milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: Experian has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton  611 ( 5 ) ( A ) of the FCRA - t hey are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You

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 01-01-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: After filing over complaints about the way NationStar Mortgage handled a trial mortgage in early 2016, we agreed I would start a new trial mortgage. On XXXX XXXX, 2016 I was mailed a statement with XXXX potential trial payment. I agreed in writing ( as I was instructed ) to the payment of {$550.00}. On XXXX XXXX, 2016, I was sent a different sheet with different options, since the payoff date was in my lifetime on XXXX, I agreed to a different payoff, IN WRITING and mailed it immediately to NationStar. The amount is {$640.00}. On Wednesday, XXXX XXXX, 2016 I tried to call NationStar when I received my statement and it showed my trial payment as {$550.00}. The hours shown to call are up to XXXX ( and I am in the XXXX. ) No one answered the phone in spite of the fact that I called before XXXX. I called four times. I called XXXX XXXX and spoke to XXXX XXXX. He told me I should have called and told them, even though the letter specifically states that I can put the information in writing. Now, he said they have to open a case and send this to a review board. The trial period is in jeopardy because I did exactly what I was supposed to do. XXXX XXXX could not find the second letter for 15 minutes while I was on the phone. He wanted to know why I would even choose the second, higher amount. I told him I wanted to potentially be alive when my house paid off. I 'm XXXX XXXX XXXX. I was told by a woman who dealt with NationStar that it did n't matter what you did, NationStar would find a way to make the trial period not go through even if you did every thing right and I have. I am very concerned at this point. Instead of them contacting me about the mistake they made, I have to call them next week to make sure they fixed their mistake. I am worried once more that they will try to take this house. I have never had so many problems dealing with a mortgage company. XXXX XXXX told me to always just call, never put things in writing. I do n't know how other companies do business, but that makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CHASE CARD XXXX XX/XX/XXXX {$0.00} XX/XX/XXXXCHARGE-OFF {$8700.00} This account was reported back on XX/XX/XXXX, yet it still shows as a negative on my credit report. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance. This negative entry should be removed immediately ( see attached letter dated XX/XX/XXXX ). I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX. Clearly I was the victim of a fraudulent scheme by this company and I would ask that Chase correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Debt collection (Other debt) with Carter-Young, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When I pulled my credit report in XX/XX/XXXX, I was first made aware of this debt with Carter-Young Inc., mailing address XXXX XXXX XXXX, XXXX, GA XXXX. I was never contacted by XXXX XXXX XXXX stating that I owed any money. I lived at XXXX XXXX XXXX  until XX/XX/XXXX and completed a satisfactory walk-through move out inspection with a property leasing agent ( XXXX, I believe was her name ) on the last day of my leasing agreement. I made all of my rent payments on time each month which was only {$500.00} and stayed through the end of my lease. The amount that Carter-Young Inc. is demanding is {$850.00}. I disputed this information with both XXXX XXXX XXXX and Carter-Young Inc. in XX/XX/XXXX however I was never provided with a detailed explanation of the charges. My XXXX Credit Report still states " Account in dispute-reported by subscriber ''. I would like for this company to cease reporting this inaccurate information to XXXX  unless they can verify that I owe XXXX XXXX XXXX  a debt including a detailed break-down of how the amount was achieved, ie. dates of missed payments, lease agreement, eviction notice, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from XXXX  and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. XXXX  should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again XXXX will not let me on to dispute this 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 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: capital one credit card closed 7 of our accounts for no reason and by doing so they are not allowing us to use our accumulated points to purchase a new general motors product.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I just recently realize that for a long time my bank account had been illegally charged with unfair overdraft fees, my banking institution had been so abusive of these fees, that at times I had more than XXXX overdraft fees in XXXX week at {$36.00} each. After complaining to the bank, I realized that the bank manipulates the transaction history to their advantage, making it impossible for me to keep an accurate track of my financial transaction. My banking transactions are not posted in pending in the right order and if there is a cash request they will deliver cash withdraws over the pending transaction to purposely overdrawn my account and later charge all pending transactions an overdraft fees for each on of them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I sent this company a debt validation letter but they refuse to provide me with the documentation it has been over 30 day. In the company all of the sudden the company added fees that I do n't know any thing about and by the way they fail to place a dispute status with the credit bureau. I never did any business with this company so how can I owe them they threatened me by saying and I also write saying that there is going to sue and seek legal matter against me they have violated the fdcpa section XXXX and XXXX this company is rude. I 'm frustrated that this company is a rip off they report this to the XXXX major credit bureau by reporting inaccurate informations another violations of fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL 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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .  FEMA  had  XXXX  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in     XXXX   XXXX     the property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien / XXXX   was wiped out at  FEMA  foreclosure.  XXXX  sold the loan to  XXXX   XXXX  as a mortgage. We do not owe them anything. A simple title search by  XXXX  would reveal this. I have made  over seven diff erent phone calls to  XXXX   XXXX  over the  last two mo nths and they refuse to discuss it with me and th e manager has  refused to return my call.  XXXX  has no lien. They NEED to do their own title search & that alone will show them that the loan they purchased was wiped o ut by FEMA  foreclosure    X/XX/2014    due to it being i n a Jr. lien position. I do not own the property nor is this loan a mortgage.

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 11-05-2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/XXXX, my payment was lost. When I called customer service I was greeted by a nasty customer service respresentative who refused to help me. I then called the office XXXX, XXXX New Jersey, as Hesaa is a state agency. They told me that there was no one who oversaw the agency and no one to file a formal complaint with. They then transferred me to someone within the agency. I spoke XXXX and also emailed with them. Neither of them was responsive. At that point I made requests to have the notes on my account released to me. I have in writing that they would do this. This began XX/XX/XXXX. I did not receive the notes until I reached out to the Office XXXX XX/XX/XXXX. I was told XXXX, that I was not ignored, but I should be happy I received the information. I sent monthly emails XXXX with no response or limited response. He only responded to me once XXXX office told him that I had reached out to complain during her lunch break. I received an email from him a half hour after his lunch break. I also requested my records XX/XX/XXXX, which was documented in the notes provided to me by the XXXX of the Ombudsman. When I spoke with him on the phone he denied that I requested the information XX/XX/XXXX. The notes state that the information was sent to me, which is a lie. I never received any correspondence from Hesaa at that time. I also inquired why phone calls were missing from the notes. He stated that was all they had. The phone calls that were missing were when Hesaa made errors on my account. Hesaa has refused to provide in writing that they made any errors, even when they misapplied funds. They are also refusing to admit that my requests were ignored. They are unresponsive, unprofessional, disrespectful and lack common courtesy when dealing with the public. There is also an environment of cronyism. The Office XXXX is more in the business of covering up mistakes of its employees than investigating their wrong doing. In searching XXXX background he worked for a mortgage company, I do n't know that this qualifies him to be the Chief Compliance Officer for a State Agency for student loans. Also, the director of the agency is appointed XXXX. Is it a coincidence that the director went to the same XXXX school as the Chief Compliance Officer? Also how is there no one to file a complaint with against the agency in the state? Also, should n't the office XXXX be separate from the other staff? How is someone from the office XXXX XXXX XXXX mentioning my case to another staff member XXXX XXXX XXXX XXXX during lunch? Is this appropriate?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am dealing with Convergent. They want {$4200.00}. They told me in XX/XX/2017 I do n't remember the exact date that I would get sued if I do n't resolve the debt. They should have the recording. Also I asked them to valid the debt in early XX/XX/XXXX. They did n't valid the amount. I gave them 30 days.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX 2016 XXXX XXXX XXXX/NAVIENT reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Medical) with Credit Bureau Collection Services, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CBCS claims I owe them {$90.00}. Im very familiar with my rights as I work with credit disputes. They are unwilling to provide me any documentation substantiating their claim other than a screen shot of their transaction information. Ive loged into the hospitals billing center and confirmed that i have no past due bills. I have explained this to CBCS and requested original official documents showing absolute proof and they have refused to accommodate. I spoke with a supervisor who told me the burdon of proof is on me, which i know is false and to lie to me about this is a violation of my consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 've been trying to get my Navient account audited, and have them show me how my account got to be as high it as it is. I got my loans down to half from around {$22000.00} down to {$11000.00}. I went back to school for a year and half, and it cost me {$35000.00} in new loans to finish up. So now, with the {$11000.00} + {$35000.00} puts me around {$46000.00} roughly. But my balance is at {$59000.00} roughly. So is it accurate that my account accrued over {$12000.00} dollars in interest alone in 1.5-2 years? Seems astronomically high to me, that 's if 2 years at $ XXXX accrued, 1.5 years at $ XXXX accrued. This is more than most monthly payments. These are higher than my monthly payments right now that they asking for. This ca n't be accurate. This is like a death sentence. Something is definitely wrong here, and seeing that there are XXXX lawsuits out by the government on this company it makes me question that validity of this company. Something fishy is going on here. Do n't know how I hit the bid on both XXXX and Navient, but they seem to up to some shady stuff. 

However, on top of all that. I 've been in contact with Navient for the last 3-4 months and they still have yet to provide me documentation on how my balance got this high. I 've asked probably 8-10 times for my account to be fully audited and check, and send me a report of how my account accrued so my interest. I 've yet to receive anything from them. It 's terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Account information incorrect

Complaint: XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Identity thieves have obtained sufficient information about me to attempt to open credit card accounts. I have received notice of at least 3 attempts in the past 2 weeks of credit cards being sought in my name ( 1 time at XXXX XXXX XXXX and 2 times at Capital One ). I am concerned that Capital One Bank may not have adequate systems in place to prevent future fraud in my name. When I received the XXXX Capital One credit card I had not requested, I called and got it cancelled. When I got a XXXX letter informing me that another credit card was coming, I called back. I was getting contradictory information from the fraud line representatives - one person found the XXXX application for credit and another could n't. The last representative I spoke with said that they could not associate a fraud warning with my information. This does not appear an adequate solution. Will I keep receiving new credit cards that I have to cancel? I ca n't tell based on Capital One 's current response. I have also filed a police report and filed a fraud warning with the credit bureaus. I just fear that Capital One 's response is not adequate. It is also possible that the XXXX letter I received purportedly from Capital One is a sophisticated phishing attempt - but, based on Capital One 's response, I ca n't tell.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: SPREADSHEET OF STATEMENTS I CREATED OFF THE XXXX XXXX STATEMENT THROUGH XXXX XXXX STATEMENTS RECEIVED MONTHLY FROM XXXX. AFTER PAYMENTS WERE APPLIED. AFTER XXXX XXXX PAYMENT. ALL 4 LOANS TO CHANGE TO XXXX XXXX XXXX 24 MONTHS ) PAYOFF DATE XXXX XXXX. 
ATTACHED SPREADSHEET AND AMORTIZATION SPREADSHEETS. BASED ON 24 MONTH PAYOFF PLAN ON ALL 4 STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I get a chargeback on my account on XXXX/XXXX/16. I contact my bank Capital one and fax the documents on XXXX/XXXX/16 as request by the bank. I received a notification on XXXX/XXXX/16 that my dispute was denial due to documents received after the date line. I called the credit card company with prove of documents faxed on time and they still applied that he was received after the date specified in the letter. The company did n't give me the regular time frame and did n't follow with me about this issue.

Company response to consumer: Closed with explanation