milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Debt collection (Medical) with Complete Collection Services Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently having XXXX issues with RCS : 1. Their inability to honor my requests to remove PMI from my loan. I 've sent a couple of requests via fax (?!? ) to their Correspondence Department to have PMI removed since I have satisfied their requirements. At no time have they honored my request and have even told me they never received my last XXXX requests. As a result of their ineptitude the most recent payment for XX/XX/XXXX has not been applied to my account which of course made my XX/XX/XXXX payment late ... here comes another late fee. 2. They received my XXXX payment on XX/XX/XXXX for a XX/XX/XXXX due date and they did not apply it to my account until XX/XX/XXXX, thus making the payment late. They then charged me a {$130.00} late fee due to their inability to apply my payment timely. They are not acknowledging their error and refuse to credit back the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The company called and left my husband a message stating they were calling to collect a debt. When he returned the call they tried to get him to take care of the debt ( my personal student loan debt, he is by names or responsible for these loans ) and then continued to tell him how many loans they serviced and what the total amount owed was and how many days I was late. I never gave them permission to share that information with him.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Since Navient took over my account I have been slammed with misleading and unduly harsh credit reporting practices. The first occurred in XXXX XXXX. After making a payment of {$500.00} on XXXX XXXX, XXXX to pay down my balance, I was alarmed to find that I was reported delinquent to the credit bureaus just one day later. I was told in certain terms by a Navient rep that I would not be reported late if I made the requested payment, but not told that my payment would only apply to reporting in XXXX XXXX, which had only 2 days remaining at the time that I made payment in good faith. It was a bait and switch tactic. I had no idea that Navient would attack my credit just a couple of days later - after I made a payment. I was not advised that any of this could or would happen. I appealed to Navient to reverse this unduly harsh report which was visible to me on XXXX XXXX, especially since I was trying to make more consistent payments. They refused. 

In XXXX XXXX, while trying to understand and rectify the delinquent XXXX report with Navient, I was advised by a rep to consider forbearance. I agreed and authorized it. I understood that it would begin in XXXX and curtail future negative reporting. Two days ago, in XXXX, I was shocked to see a 120 day delinquent on my credit report. I received no emails as I did in the past from Navient, no calls. Nothing. 

Together, these actions tanked my credit score and ability to purchase a home, which I repeatedly appealed to Navient. They refused to work cooperatively with me, to recognize my efforts. A very different experience from XXXX XXXX. 

At this point, I see no reason to have any further contact with Navient. They have killed my American Dream of home ownership and purchasing a car in less than one year. As a single mom, I face a lot each day and I try my best to pay my bills. I am current on all of my credit cards. Navient however is unscrupulous - they have kicked me twice now. Very hard. And with zero warning. 


after being told this would not occur when I made a payment {$500.00} payment

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Checking or savings account (Checking account) with FIRST HAWAIIAN, INC. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: First Hawaiian   XXXX  began taking {$10.00} per month from my " Totally Free Checking '' without my knowledge and consent in  XXXX    XXXX   and has done so for the past six months - I had no prior warning or knowledge nor did I give them my consent to charge my account. They called the change an " Inactive Account  Fee  '' but it shows up on-line as a service fee. In either case it was a fee for doing absolutely nothing and serves no purpose except to steal money from the accounts of those who trust the bank is protecting their money. I can leave money in my safe at home for free with no " inactivity fee '' so why would I agree to put it in a bank and be charged. I had no prior knowledge  First Hawaiian    XXXX    would act like  XXXX   XXXX  and charge money or change your account without any knowledge of the account holder. I guess they learned from  XXXX   XXXX  that stealing money from consumers is very profitable. I have asked them to return the money taken from my account without my knowledge or consent and they have refused. These thieves are just like  XXXX   XXXX  - charging fees to accounts called " totally  Free '' without authorization or the knowledge of the customers. I plan to close the account and never do any business with these thieves again. When is the US  Government going to do something about these dishonest banks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dispute with Equifax with no results. Company illegal re-aged debt and provide incorrect information on credit report in direct violation of FCRA 623 ( 5 ) ( A ). Account dispute in Question : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX This account has been removed from other credit reporting agencies due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, XXXX, my wife and I received written acknowledgement that our IRS XXXX XXXX XXXX had been officially withdrawn. IRS Forms XXXX and XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release '' was sent to the XXXX County, XXXX Recorders Office and subsequently recorded which was verified by written notice from the XXXX County Recorder on XXXX XXXX, XXXX. My wife and I have made five ( 5 ) attempts to have the tax lien removed from our reports including two on-line disputes ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with TransUnion which were both denied. Then a phone call on XXXX/XXXX/XXXX to inquire about the dispute directed us to send a fax with all of the aforementioned paperwork which was sent the same day with a confirmation of fax receipt to their Consumer Contact Department ( Fax # XXXX ) which they subsequently claimed was not received. We contacted TransUnion again on XXXX XXXX, XXXX and were informed that the lien would remain so we mailed in copies of all of the aforementioned documents the same day to TransUnion at XXXX XXXX XXXX, XXXX, XXXX XXXX in order to make an additional dispute request and have the item removed from both of our credit files. 

We have made similar request of XXXX who has refused to update our credit files and they remain as a negative there as well. We are currently in the process of applying for a home loan and are being told that our credit scores will result in a much higher interest rate as a result of the tax lien which should have been removed. We have no other negatives in either of our credit files for the past 10 years. 

XXXX is the only credit reporting agency which timely removed the withdrawn tax lien from both of our records. To date the disputed item remains on our report with TransUnion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Medical) with Revenue Cycle Management Corp (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Back in XX/XX/XXXX 2015 I XXXX and due to being on a collection XXXX ended up going to XXXX. There I did give my information ( medicare ) and I got my XXXX XXXX XXXX XXXX. The morning after the XXXX had already come off ( shoddy work ) and after a days work I only had XXXX left ( I ended up having to XXXX myself ). Month or two later I get a bill XXXX where they want {$340.00} from me. I promptly respond to the bill asking them to explain. What I got from them was what I am including as an attachment ... .i.e. a very cryptic itemized invoice that explains nothing. It does show the XXXX ripping off medicare for XXXX and me for the rest! I wrote them back telling them thats not going to work. That was the last I heard from XXXX. 
Later I get a letter from RCMC ( collector ) asking for the money. I go through the same process of writing to them and last week I get notified they have added this to my XXXX credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX/XXXX/17 I sent a document to TransUnion requesting proof that they had verified accounts on my credit report prior to reporting the information. Since then they have not provided the data requested but states that these accounts have been verified without any proof of verification as requested. Please direct Transunion to promptly remove the unverified items from my credit report. I have attached copies of letters sent to them and their response which is proof my dispute was received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: to whom make concern ERC collection company claim that i owe them XXXX for an utility bill XXXX i have disputed the account which they fail to reported to the credit bureaus my initial letter i send to them was in XX/XX/2017 and the other one on XX/XX/2017 by not reply in a timely manner to my initial letter you signed for on XX/XX/2017 you have not only violated federal laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I went to withdraw {$300.00} from my rushcard at the XXXX in XXXX NY on XX/XX/2017. The atm was out of money and I never received my money. The representative at the XXXX customer service desk called the atm company, but they were closed. She provided me with the number. I call them on XX/XX/2017 at XXXX and was informed that they were aware of my issue due XXXX contacting them this morning. The rep said she knows i didnt receive the money. They requested that I contact my card holder and ask for a provisinal credit and they would be waiting to here from them to confirm that i didnt receive the money. I reached out to rushcard at XXXX. I was informed that they needed to submit a dispute and have the form sent to me, to sign and fax back. It will then take 10 business days before i would receive a provisional credit, ( CRAZY )! I provided them with my email address which they have on file, already. I did n't received the form, so I called back at XXXX. A rep resubmitted the request and told me I had to wait up to 6 hrs to receive the form. The previous rep did not tell me this. I tried calling them again at XXXX and again at XXXX. Thinking I should have received the form already from the initial request at XXXX. It is currently XXXX and I have not received the form. But yet received surveys for my calls I made to them within minutes. At this point I do n't want the form, I would like to have my money credit to my card and my account closed down with them as this is n't the first incident I 've had with them. They can contact the atm service at XXXX and verify that the money was not received and credit my account. This is bill money and I would like rushed to cover all fees associated with this bill being paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing on a mortgage

Complaint: Good morning, I have submitted a complaint on XX/XX/XXXX and was assigned Resolution Specialist XXXX XXXX and I informed her that I have signed purchase contract on my property. Closing date is XX/XX/XXXX, and now I have information saying the foreclosure is in mediation process and this is an issue with my titling company. They are unable to reach XXXX to receive a mortgage payoff. 
Please advise, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The company name is Equitable Acceptance as a third  p  arty (    XXXX   XXXX   ) The  Claimed to   be a company that helped the government with there loan forgivness program. I was informed that they could consolidate my loan into  XXXX  loan during that span I would only have to make payments on the consolidation. After that the loan could stretch out pass 20 years and whatever I did not pay after that time period would become forgiven. I first started with this company on  XXXX   XXXX     2016 an d every month since then I have  made 50. pa yments to the company for the consolidation fee.           Payment Receipt Hello, Thank you for your recent payment to Equitable Acceptance Account.   An amount of {$49.00} was applied to your account.   This email is a receipt confirming payment.   To access your account, sign on to  www.equitableacceptance.com If yo u have questions or need additional assistance please contact an Equitable Acceptance representative@ XXXX  Regards, Equitable Acceptanc e Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This information was reported on XXXX, they were not addressed in their response. 3 out of the 5 judgement were deleted by Equifax. XXXX and XXXX researched and removed all 5 due to insufficient and inaccurate reporting.. 

Per my Equifax Credit report the following 2 tax liens remainL Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$770.00} Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$2000.00} Please remove the above referenced judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: 3 years ago I bought my house. I paid for a whole-house inspection and roof inspection and the seller increased the price by {$3000.00}. For the last several months, I 've experienced mold issues. There 's XXXX mold in the add-on room in the garage and it 's made its way up the wall into my shower. XXXX is performing mold remediation and mitigation. There 's a leak in the roof of the add-on room. There is no proper water drainage and the water just sits on top of the roof. The add-on room was poorly constructed and is not fit for water drainage. A claim has been made with my home insurance. I now have a {$1000.00} deductible and still need to get the leak fixed. My complaint is with the seller who took the time to ensure my home was painted throughout the interior of the house, as well as the exterior with a single coating of the cheapest paint he could find, covering damages and not ensuring there 's a proper permit for the add-on room as well as laughing at me and telling me to " prove it '' when I contacted him and informed him of the mold situation, advising that it is his responsibility. This seller also works with XXXX XXXX XXXX. I 'm in need of help, as I am on a very fixed income and can not afford the repairs or deductible and I seek justice. I was sick for 8 weeks and still worry for my health and wellbeing. I an seeking financial recourse from my mortgage lender, Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX Financial Aid, sent letters to XXXX Experian and XXXX XXXX on before XXXX XXXX, 2016 instructing the removal of the defaulted loan negative trade lines. So far, this has been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Medical debt) with Mid-Minnesota Management Services, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company ignored phone request and written request to verify debt yet continues debt collection. I understand that this company must be a poorly run collections agency that is trying to get by, but unfortunately for them they purchased debt that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Payoff process

Complaint: Due to identity theft, I chose debt consolidation over bankruptcy. Chase account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Chase has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from XXXX of XXXX XXXX and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to First USA for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Company response to consumer: Closed with explanation