milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XX/XX/18, XXXX reported to all of my creditors that they are reducing my FICO score to XXXX, prompting American Express to reduce my credit line from {$10000.00} to {$2300.00}. AMEX required that I pay {$3500.00} in one lump sum to keep my credit line. I noticed that my bank, XXXX XXXX XXXX. had changed my auto-pay due dates on several other creditors, making me late on several payments. I noticed that the XXXX due date was affected as well and called to assure them that they would receive a payment. I also inquired as to why they are reducing my credit line {$7700.00}. They maintain that it is because of XXXX 's reduction of my FICO, even though I have been an outstanding customer for many years. When I asked why they wo n't increase it because I have been a responsible customer, they said that the FICO score matters more than my payment history. I filed a compaint against XXXX, but it was not successful. 

I do n't have the time to continue my dispute with XXXX, but when I asked to cancel my XXXX account, they told me to cut up my card and that I would be liable for the balance. I do n't understand why, if I 've always been a good customer, am I being considered to be a derelict, ready to defraud them. On the contrary, any creditor who does n't honor the facts is doing business fraudulently. XXXX 's business practices are not based on sound policy, but are based on heresay and fraudulent information. 

The reps XXXX and XXXX are ignorant customer service reps as well. Thankfully, other creditors are n't following this kind of unreasonable business policy. XXXX needs to apologize to their good customers, in the least. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with Source Receivables Management LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Source  Receivables just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am being harrassed by Navient about a student loan. I filed bankruptcy and this loan was put on hold. Since coming out of bankruptcy, I receive calls twice a day about my student loan. I have contacted the company and told them I can not pay what they want monthly. I am sending payments according to my finances. I am a senior citizen and am on a fixed income with a lot of medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I opened a XXXX XXXX Credit Card in XXXX in XXXX XXXX XXXX. Due to unfortunate circumstances I could n't continue paying for the Credit Card. The acct was charged off in XXXX. Midland Collection Management purchased the debt XXXX. In XXXX I went to XXXX to my father residence. He was very XXXX. I was unemployed at the time.I decided to go and care for my father until he passed in XXXX XXXX. I been a resident in XXXX XXXX and homeowner since XXXX. XXXX XXXX I came back home. On XXXX XXXX, XXXX I found out they took out all of my money from my checking account XXXX. When I went to the bank to find out why. XXXX XXXX XXXX explain to me there was a legal order from Midland Collection Management. They hired a lawyer in XXXX XXXX. They sent a summons to my father 's house in XXXX XXXX. That is not my residence never was. I was there temporarily due to my father illness. My stepmother is not in good standings with me. Therefore, she is not going to forward or even tell me I had any mail there. I do n't understand why they did n't send correspondence to my home address in XXXX XXXX. That is were the acct originated from. Not XXXX. How would I have know there was a summons against me. I called the lawyers and asked them to send me all correspondence that they sent to my father 's house to my home address in XXXX XXXX and their response was that they cant send me anything because its out of their jurisdiction. My response to them was if I 'm out of your jurisdiction how were you able to get my money from my acct here in XXXX. I feel its foul play on there part. This account is a debt that has reached statue of limitations. This acct is from XXXX. I am seeking legal help in this matter. My question is why did n't they send correspondence to my address in the state where the acct originated which was XXXX XXXX and not XXXX. Now I am left with a judgement. Which I will be seeking legal advise to have this judgement reversed or void due to violations on there part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of fraud, I will attach the police report. Currently I see a collection on behalf of XXXX XXXX. I never had any account with them. This is fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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 filed a dispute a while back ( XX/XX/XXXX ), and another one before that ( XX/XX/XXXX ), regarding a hard enquiry ( XXXX XXXX ), that was place don my CR and I did not authorize a credit application to be submitted in my name with XXXX XXXX. I filed a complaint with XXXX XXXX, and with Equifax, and with CFPB, and nothing has been done to have the unauthorized enquiry removed from my credit report. I received a letter to date, dated XX/XX/XXXX, from Equifax showing no changes were made ( no explanation given ), and I received a letter from XXXX XXXX Dated XX/XX/XXXX stating that Equifax had been requested to remove the enquiry from my report, by the creditor, and that it would take 4-6 weeks to do so, but Equifax has not removed the enquiry, and XXXX XXXX states in the letter that it does not control the conduct of the credit bureau in removal of the enquiry, so apparently it is Equifax not removing it. I want it removed as it has lowered my credit score and will be on the credit report until XXXX of XX/XX/XXXXif it is n't removed. I have included a letter from XXXX XXXX, as well as an updated letter from Equifax that shows nothing has been done in accordance with XXXX XXXX request to remove unauthorized hard enquiry from my credit report, as it has lowered my FICO score as a result. Why do I have to continually ask that my request be honored? I have been trying to get Equifax to remove the item in questions for some time now. I 'm fixing to file suit in Federal court against all those responsible for not doing what is suppose to be done regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had a great deal of problems with the lender Navient in the recent year. Last year if you look at my history they charged the wrong bank account and it was a big debacle getting things squared away, it took close to 6 months. Anyways, they are at it again and are taking payments but XXXX is being applied to my balance. My balance is going up monthly and I am making payments. This should n't be happening. I am keeping a detailed record on XXXX spreadsheet of each loan and the payment allocated whether principal or interest and this past month my total balance went up. I also had a payment applied that did n't do anything to a loan. I also believe they are n't applying correct interest rates and are double dipping into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (RI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Credit Management contacted my landlord several times and told them they were calling to collect a debt of mine in violation on FDCPA 804 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My initial loan to buy my home was with Homecomings in XX/XX/XXXX ; it ended up with loan servicing Ocwen ; loan XXXX ; Ocwen had a foreclosure hanging over my head until XX/XX/XXXX ; Ocwen originated a loan modification agreement ( shared appreciation ) payments too high and did n't make sense at all. This week I received a form that Ocwen discharged {$220000.00} and they sent to the IRS. Where did this come from? Ocwen had refused to ever reduce the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: reported to all XXXX bearu on iteams that are not mines XXXX out of XXXX bearus removed items Equfix has not updated any iformation 3 months no reply or updateds I 'm tryong to buy a home and the iteams that are not mines is still showing on my account lowering my credit score in i need help!

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Colony Brands, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: my credit report indicates this account was open on or around  XXXX   XXXX  ,2011 at an  address I never resided at. I 've disputed this account with the  XXXX  credit bureaus on several occasions as a fraudulent account. They 're stating the response from this compan y (   XXXX   ) i s verified as mine. How are they verifiying this account? I do n't have or nor have I been sent any thing verifying this fraudulent debt as mine. I do believe my ex husband 's girlfriend may have gotten this account

Company response to consumer: Untimely response
Consumer complaint received 01/20/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Struggling to pay mortgage

Complaint: J P Morgan Chase foreclosed on my mortgage and made XXXX when it was sold and they did not give me XXXX penny. 
The address is XXXX XXXX XXXX. XXXX, CT. XXXX They ran there own bank. I sent them XXXX XXXX 3 months payment and they returned it in a refund and foreclosed. The payment was sent 46 days late so I sent them the back payment the second payment on the XX/XX/XXXX and the next months payment a month ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Equifax , specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Equifax : These items must be fixed : XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.

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 11-09-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Please note this is NOT A DUPLICATE complaint. It is another complaint on Freedom Mortgage for different violations. 
FM falsely and wrongfully reported me late on mortgage payments to the credit bureaus resulting in a denial of credit to refinance. See copy of email denial below. 
" On XX/XX/2016, at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : XXXX, Thank-you for your on line application. The information on the application meets the guideline we are required to send a loan estimate. See attachment # 1. Unfortunately we are not able to take your application at this time. Your loan is ineligible due to a 60 day late payment and a 90 day late payment reported on your credit report by Freedom Mortgage within the last 12 months. The 2nd attachment contains your credit score disclosure. On page 2 of the disclosure is information on obtaining a copy of your credit report. We are not able to provide you with any additional information regarding the reason or the status on the reported late payments. You will need to contact your mortgage servicer and discuss this information with them. The information is being reported by XXXX. Before XXXX would be able to proceed with an application there can be no mortgage late payments being reported within the last 12 months on your credit report. I am sorry we are not able to assist you at this time. Thank-you. 
XXXX XXXX Mortgage Consultant XXXX # XXXX XXXX XXXX, MI XXXX XXXXXXXXXXXX Phone XXXX Fax XXXX '' FM has not posted payment on the correct dates and places and has not provided a mortgage balance after each payment is posted. The Monthly statements do not match the loan overview. 
FM has violated the policy on your website for mortgage lenders to follow. 
1. Servicers have to give you a written mortgage statement1 each billing cycle showing : What you owe on the current bill, and how much, if any, will be applied to principal, interest, and escrow. If your mortgage loan has multiple payment options, the statement must show whether the principal balance will increase, decrease, or stay the same for each option listed. 
Payments made since the last statement How previous payments were applied Transaction activity ( including any fees or charges to your account ) 3. Promptly credit your payments. 
Servicers have to give you credit for your full payments as of the day they come in. If you pay only part of what you owe, the servicer may hold your partial payment ( s ) in a special account. But, the servicer must tell you about this on your monthly statement. When that special account collects enough money to make a full payment of principal, interest, and any escrow, the servicer has to credit that payment to your account.

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My problem is that the Capital One Web site incorrectly shows past due amounts as NOT past due, causing customers to make 30 day late payments instead of just a few days late. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Four times in XX/XX/XXXX and XX/XX/XXXX, I logged into my account planning to make a charge card payment a day or two after the due date. Unlike ANY OTHER company I know, the web site, instead of segregating the past due amount from the following months amount due, combined them, and showed next months due date for the entire amount!! This indicated to me that I did NOT have a payment due ... .and I waited till next month-end to pay! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I finally realized that the XXXX XXXX site was misleading me and have avoided the problem since, but I still have 4 late payments on all my credit reports! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE tried repeatedly to get Capital One to address these issues but they have steadfastly refused to do anything. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( please note that I could provide a screen shot of the XXXX screen but I would have to let my account go a day past due, and incur a big late fee to do so )

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XX/XX/XXXX  my  XXXX  credit report is showing my loans twice.   I am in the process of consolidating my student loans with   XXXX   XXXX  , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping  my credit score ( FICO  )  XXXX  points!!   I can not do another dispute with  XXXX  due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score was dishearteni ng.  <P/> I need to have these " evil twins '' removed from my report ASAP.  <P/> Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Credit card) with FIDELIS RECOVERY MANAGEMENT, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I told the collector to not call me at my place of work, I can not have personal calls at my place of work. They continue to call and ask for me and be rude when I tell them not to call any more. I have told them twice to not call me at work AT ALL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation