milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Credit line increase/decrease

Complaint: USAA Savings Bank reduced my credit limit to XXXX from XXXX.with no apparent reason. At the time of this reduction my credit score was XXXX and I had a balance of XXXX on the card.more or less and account is current. Do to there reduction my score went to XXXX because I was at 92 % of my credit limit with them. The bank sent me a letter stating several possible reason of witch they did not pertain to me.I called them and asked for an explanation they stated they could not give an explanation that it was in my credit report. 
So i pulled my report and had XXXX banks review it. found no reason for this reduction. I have been a long tern customer and feel this is unfair. They have damaged my reputation unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The loan repayment process has been a long painful struggle. When applying go my federal, non-Federal, and Navient loans it was not made clear on what is expected of the borrower and payment process. When initially applying for loans, it was not noted nor was I informed that the loan would be broke up into many smaller loans. The interest rates for the loans have been so high that even paying the bare minimum does nothing on the principle balance. I have tried to make my payments and have applied for forbearance 's when struggling but my principle balance and interest continues to grow. When looking at my accounts, it is completely confusing to understand the loan process. Since I have had to apply for forbearance 's, my interest has added XXXX dollars to my loan since graduating. When applying for repayment plans for certain lengths of time, the long-term actions of the borrower is made unclear. When the repayment process is over, the loan payments and interest rates skyrocket to make paying the monthly amounts unrealistic. I recently have been paying monthly on my loan, however I keep getting calls several times a day about non-payment. When I call and talk to a person, I keep getting different answers and nobody seems to really give me an answer. Last time I called, the person told me that I have not been making payments and there is no record of me making payments, however it have been debited from my bank account for several months. The whole process is overwhelming and I know I will never come out ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar said i owe for payments i clearly made

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with The CBE Group, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company CBE Group ( I only know the name of the company as I called the number back ) calls 6 times a day from XXXX different numbers. If I answer they hang up, if I do not answer they wo n't leave a message. Finally they called and some one actually spoke. He never indetified himself or the company he was calling from. They wanted me to give them my address, social and birthdate. I did not give the information. I asked several times what this was in reference to, they said they would not tell me unless I gave the above information. XXXX XXXX XXXX and XXXX XXXX XXXX are the numbers they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Kross, Lieberman & Stone, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Medical bill for injury. Two dates- XX/XX/XXXX and follow up XX/XX/XXXX. Insurance company paid which left a co-insurance payment of XXXX. Did not receive bill until XX/XX/XXXX. Promptly paid by check on XX/XX/XXXX. Check cashed by XXXX ( urgent medcal ) XXXX transferred the debt to a collection agency Kross, Liberman & Stone on XX/XX/XXXX who has been calling non-stop threatening to ruin credit, future job employment and court action. Collection agency is asking for {$150.00}. XXXX confirmed on XX/XX/XXXX that check was cashed to their XXXX XXXX account on XX/XX/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 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XXXXXX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

I have attached both of our IDS and my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. 

I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a  host of others.

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 06/26/2017 about Debt collection (I do not know) with ONLINE Information Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company reported a debt which I have not owed anyone for past 7-8 years this is inaccurate and false information please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent Experian a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : XXXX XXXX, XXXX XXXX XXXX conn, XXXX XXXX, applied bank, and cbna sears all which do not belong to me and the response was that it was " verified ''. According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called Experian and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified Experian have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested. I HAVE ATTACHED THE FORM THAT I SENT CERTIFIED TO EXPERIAN.

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 08-12-2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Managing the loan or lease

Complaint: I have several loans with Navy Federal Credit Union. I have a vehicle loan of which they are trying to deceive me every month by stating that I have to pay the next months car payment in the present month which will if im not paying attention I will pay 2 months because they 're trying to make it seem as if my payment is more than it really should be for the month. My normal car payment should be almost XXXX per month but I always pay XXXX. This month my car payment amount on NFCU website says this : Payment Due Due XXXX/XXXX/2016 PAY {$780.00} I copied it from their website. I contacted the NFCU and their representative stated that if you do n't pay your payment before the XXXX that the computer automatically changes your due amount to include the next months payment to include both which will have you payment amount being 2 months. Surely this ca n't be legal if I were an elderly person and just paid what was on the website who knows how much money they would take from me. I would like for NFCU credit union to stop misleading me by sending incorrect amounts for me to pay every months on statements for all of my accounts that I have with them I 've asked them to send the correct amount yet they still continue to send the incorrect amounts to me. I think that the Navy Federal Credit Union should be fined for this type of behavior. In the past they would never do something like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 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: Was not notified of investigation status or results

Complaint: I sent a dispute to  XXXX  and equfax in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with NELNET, INC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They have stated that they are applying payments in accordance with my promissory note, but refuse to give me a copy of any of the documentation. 

On XXXX XXXX, I asked for copies of my signed origination documents, promissory note, terms, etc,. copies of any and all paperwork I have with the company. 

On XXXX XXXX, I received an email ( ref. CID : XXXX ) from XXXX that stated " We have received your request for documents and forwarded them to the correct department for review. These documents will be emailed to the address that we have on file in 1-2 business days. '' It is now XXXX XXXX, 2016. I have not received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a fraudulent account with equifax submitted the police report identity theft dispute letter and affidavit and equifax did n't block or delete the item pursuant to FCRA 15 U.S.C. 1681-c2. They stated the account was verified. This account XXXXXXXX account # XXXX is not my account I never had XXXX phone service. They also was reporting duplicate accounts for years I submitted CFPB dispute XXXX and they finally removed the duplicate accounts. Please delete account immediately from my credit report Pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the XXXX XXXX tradeline on my credit files with TransUnion, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. TransUnion is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. XXXX reports this account as " closed '' but like TransUnion, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, 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 explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (TX).
Issue: Settlement process and costs

Complaint: Hello I have to carry Wind and Hail Damage Insurance on my home. XXXX that carries the mortgage has fail to pay the insurance to XXXX XXXX XXXX XXXX, Texas. XXXX as not paid the insurance to XXXX XXXX, because XXXX of their reps made mistake and sent the money to XXXX, Texas. When I called them I told them their is your problem ... I do n't think there is a XXXX, Texas..there is a XXXX, New Mexico. They say they are looking for the check..when all you have to do is contact their bank and let them know what has happen. This has been going since XXXX. I wrote them and told them that you better hope nothing happens to my home and if I have to get an attorney that will be no problem, but I 'm tired of XXXX treating me like I 'm a fool ... they have been playing their silly game ever since they took my mortgage. When they took it over I said to them I have no contract with you people. The woman said to me I do n't need to send you any contract..this contract was from XXXX and XXXX took it over..I told her I have a contract with you so I do n't have to send a payment to you. She came down on me and said to me ... '' I 'll foreclose on you so quick it 's going to make your head spin! Yeah right when I have equity in home already ... so ever since then they have messed with me..over and over ... I told her to her face on the phone and I wo n't repeat what I said to her ... but do n't you ever threaten me ... I 'm an XXXX. I 'm tired of these people. They have escrowed city and state taxes from where I told them you have no right. I do n't pay any taxes if you would call the XXXX XXXX Tax Office ... they would tell you this. I 've sent letters to them from the XXXX XXXX Tax stating that I do n't pay taxes ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.

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 10-10-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MI).
Issue: Using a debit or ATM card

Complaint: I was told by a Wells Fargo employee that I would not be charged a fee to use my XXXX XXXX XXXX Credit card while overseas. The information regarding fees was not disclosed at the time that I opened this credit card. I was in XXXX for over a month using ATM machines. I now am responsible for {$110.00} in fees. I feel like the information I received was misleading.

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 02-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.

Company response to consumer: Closed with non-monetary relief