milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: experian will not correct the incorrect information that is reporting on my credit report with my XXXX account. This account is reporting as a 30 day late payment from XX/XX/XXXX. It has been confirmed several times that this information is incorrect. I never paid this account late. I have submitted and disputed this information numerous times and now experian will not allow me to re-dispute this incorrect information. This account is reporting as potentially negative and is schedulaed to go to a positive status in XX/XX/XXXX. This account should be listed in accounts in " Good Standing ''. I never paid this account late. My credit score is being affected in a negative way because of this wrong information.

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 04/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient - Firstly, I dont believe i ever approved my loans being sold to a third party like navient but the point of this is they are reporting to the gov. about half of the interest I actually paid to them. The XXXX I received was half what I actually paid verifiable with my bank account and loan statements. Seems to me they are trying to report less interest paid so they can cover up the ridiculous rates and fees. I dont think interest is calculated correctly at all on my account. 

Now, for the past 3 years i have been making double payments consistently. Fortunately unlike so many others i am able to pay these loans with no problem. However, after just making larger payments all of a sudden the interest rate jumps from 2.8 % to 5 % an 80 % jump? Their actions are completely criminal. Why do they use students like this? is my 2 points really going to make/break the bank? Im not even worried about me. Ill be fine but how many other things do they slip in under the rug to rake in millions off the backs of the students of this country. It really needs to be stopped. I dont even know what to do. I feel completely helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I called Freedom Mortgage to confirm that if I paid my loan down to less than 78 % they would stop my mortgage insurance. They confirmed and I did. It was n't gone the first month, or the second so I called back. They said they would submit a request. I assured them this was n't necessary, as at 78 % they do n't have a right to decline a current loan ( never missed a payment ). After a week a MI specialist called back and said that I needed to submit a written request ( nope, see the Homeowners Protection Act of 1998 ) and that they could keep my MI on the loan all the way down to 75 % at their discretion ( nope again, HPA 1998 ). This greatly concerns me because this is the view of a MI specialist so they are probably doing this to everyone. There was a very very clear guidance from you guys last XXXX about this type of shenanigans. ( http : XXXX ) Please contact this company and have them change the way they do business.

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 05-07-2016 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Can't contact lender

Complaint: I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on or  XXXX   XXXX   XXXX   XXXX ,   XXXX   and experian took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB Fine these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.

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 06-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I do not owe for this debt. A representative from Credit Collection Services continuously called me and harassed me, and told me I will be arrested if I do n't take care of this debt. Credit Collection Services is in violation of the Minnesota Debt Collection laws and the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not have any affiliation or a credit account/card with XXXX. However it 's showing on my credit that I have a closed acct with a balance more than {$1800.00}. I do n't own or have ever filled out paper work requesting or using any XXXX credit cards. It says the account was opened back in 2011 at that time I was not even a legal adult, I would like this to be taken off, it is affecting my credit score tremendously.

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 03/21/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on today 's date on XXXX/XXXX/XXXX I contacted ARS a collection agency in the state of florida located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ph # ( XXXX ) XXXX to verify some information that is reported on my credit report. ARS advised me that I have XXXX accounts placed with them by XXXX XXXX XXXX I requested all dates and amounts they claim was reported and I was given XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$320.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$420.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$240.00}, & XXXX/XXXX/XXXX {$450.00} after questioning ARS as to why they have double accounts on my credit for XXXX/XXXX/XXXX for the same amount as well as other accounts that are just days apart and they did n't seem to have an answer I contacted the original creditor which again is XXXX XXXX XXXX. and I was told they only reported XXXX accounts to ARS and gave them the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX I was then told ARS should not have any other accounts against me which means ARS has FALSELY reported accounts against me to the credit bureaus which has damaged my credit and there is a total of {$2200.00} in fake accounts now on my credit! I researched ARS and they have done this to other consumers as well they have reports against them online and need to be stopped! I want them held accountable for this, I want the accounts they falsely reported removed and I am also seeking money damages for hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit line increase/decrease

Complaint: Synchorny bank lowerinf credit limit after paying down balances. I recently submitted a complaint with CFPB about being reported late. I have had a number of accounts with Synchrony. I advised them that their history must be wrong. I habe not had any problems with all of my other Synchrony accounts. Shortly after filing the complaint with CFPB Synchrony lowered my credit limit on my banana republic card. I then closed the account as the new limit was {$100.00}. You can not purchase much with that limit. I then filed a started litigation against Synchrony bank. Last week i paid down balances on a few of my Synchrony accounts. While checking my credit report tonight I noticed that Synchrony now lowered my credit limit on my Lowes card. I recently paid the account down from 68 percent to 2 percent. I guess since they can not make money off of me with zero to low balances they take it upon themself to lower yoir credit limit. Had i known that they would lower my credit limit once i paid the account down i would have paid the money on a different bill. This now affects my utilization scoree. I have been faithful with my Synchrony accounts with no 30 days on any of the accounts except for whatever mix up with the Banana Card. I closed the lowes account after learning of the decrease

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 04/13/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (IA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Borrowed with sallie Mae in XX/XX/XXXX using my grandmother as a cosigner. She was going to take care of the loan. Grandmother got sick and ended up in a XXXX and then passed away. I was living on my own since I was XXXX. Was in an XXXX marriage XX/XX/XXXX-XX/XX/XXXX. Graduated in XX/XX/XXXX and have been working to financially recover since. Financial hardship resulted in a default on sallie mae on XX/XX/XXXX after attempting deferment and a few payment arrangements. Called on XX/XX/XXXX to attempt to make arrangements for payment. Was notified of the default status and no payment arrangements was allowed. Sallie Mae representative was rude and harsh. Commenting on my financial situation and my lack of responsibility of the loan. Told me the only thing that would be allowed was paying the lump sum of the balance immediately, even though the loan is still owned by them until XX/XX/XXXX. Asked for XXXX $ and told me I was in a bad situation. Told me the next step is legal action. Had me sobbing on the phone. I was disgusted by the way he talked to me and the fact that sallie mae would rather take legal action against me then accept payments I 'm offering. Communication was poor. Help and options were still financially straining.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have an incorrect discrepancy on my TransUnion Credit Report. I want to dispute this charge. After multiple telephone calls I still could not log in to Transunions website to complete the dispute resolution. Finally I called to dispute and the operator barely spoke English and the telephone call was cutting in and out so bad communication was not possible. Same problem when I called back. Therefore I was unable to dispute this inaccurate item on my credit. Credit Reporting agencies should have some responsibility to provide easy access to erroneous credit information, especially since they don't seem to be able to secure their computer systems against data theft. 

XX/XX/2018 Calls placed between XXXX -- XXXX Central time USA

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 10-01-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: a debt I want to resolve but the amount has been XXXX they want down payment of a little over {$400.00} before they talk about a program to get on. I am really concerned about the amount. the company is Midland Funding LLC. collection agency, I do not have that kind of money. I defaulted but I want to do the right thing. The account debt was bought from XXXX the original credit card issuer. The sum of {$1500.00} as the principal amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (I do not know) with Optio Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling my work frequently after being asked to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: To whom it may concern : This company has been adding interest on an account that is closed. They have added interest every month since XX/XX/XXXX when the account was closed. 
XX/XX/XXXX- {$44.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$40.00} XX/XX/XXXX- {$40.00} Total= {$460.00} I called them when the account first was closed to see what to pay that was my only contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was an XXXX card holder who paid for the debt protection service and credit monitoring service for ( 15 ) years or more ( gold card ). I loss my job and contacted XXXX to use the service until got a job. My request for was denied. During this time, I learned XXXX was being sued ( American express enforcement act ). The terms of the suit stated XXXX would credit accounts the monies. American express was to credit monies to the account of card holders or issue checks to individuals without accounts. I never received any monies from the settlement. Now XXXX is suing me for the outstanding balance on my account along interest, lawyers fees, and etc. I want like XXXX to to have deducts the monies owed me settlements. I need to know the amounts that should have been credited my account ; so I can have leverage when dealing with lawyers Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: XXXX 2014 I applied for a Sams credit card by phone. I told the lady on the phone I was using a captell phone for the hard of hearing and deaf. She was aware of my situation. I was told to get credit cards to build credit because I have never had credit cards before. On the phone the lady told me they were offering 0 % interest rate on the card. I accepted because I was told that was good otherwise I would have never accepted if there were interest rates. I was approved for the credit card in the amount of {$4000.00}. I did use the card and I have been paying on it every month. As months went by I notice they were charging more on my monthly payments racking the interest rates up. I was having a hard time paying all that money. The payments started at {$25.00} then I started paying {$55.00} a month every month then it started going up and up into the XXXX 's I am like wait a minute this is not right. Every month it be more then what the actual payment is suppose to be. I got laid off work and I still tried to make the payments. I called and explained and they lied to me about the interest rates. I filed complaints they agreed to credit some of the payments. In my mind why would they credit most of the payments because they admit they made a mistake. I told the I will not make anymore payments until they correct my account because I have been paying on it every month and that they lied about the interest rates. I am not paying until they remove their name from my credit report. They know they made a mistake because other wise they would have never credit the payments. I am asking that they fix my account because it should have never been closed in the first place if I was making payments on it every month being a loyal customer until they started cheating XXXX with the interest rates and lied about the interest rates. I am now being XXXX on my credit report because of them. I ca n't or not allowed to obtain credit with anybody else because they XXXX up on my account for something I was making payments on every month and this is not right that they are at fault for everything. I want them to credit me back what they owe me and take their name off my credit report. They knew I ca n't hear so they will use my XXXX against me to say I did n't hear the lady right. I have a phone that types everything the party says and I know they would not make a mistake on what the other party said. They can get fired for that. This is a government agent on the other line typing my messages. I copied all my seven months payments to attachment that I made to sam 's club card.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My brother and his wife had a mortgage with Ditech Financial LLC. On XXXX XXXX, 2016 they both were XXXX at their home. There are no children, no will, and no money. Despite having provided Ditech with copies of their death certificates, Ditech continues to send form letters addressed to them. I have sent several letters to them asking them to stop. The last letter from Ditech was addressed to my deceased brother telling him they are sorry for his loss and explaining what his spouse needs to do to get information on the account. There are times when form letters are useful and other times when they are inappropriate and hurtful. When I called Ditech a customer representative told me they are " required by law '' to send these communications. While that may be the case, they need to acknowledge the obvious truth in this situation : their customers are both DEAD and there is neither a will nor any surviving children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax previously stated the inquiries listed on my credit report could not be deleted, however, on XX/XX/2017 all inquiries were deleted except one. Upon checking my credit report today XX/XX/2017, the inquiries were reinserted to my credit report without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with DISCOVER BANK (NC).
Issue: Credit line increase/decrease

Complaint: i have been a valuable member and have used and paid the card only to receive a XXXX increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a XXXX limit within about 3 months but yet i am at XXXX. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything

Company response to consumer: Closed with explanation