milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent a request for validation for the {$120.00} they claim I owe them, they received my initial letter on XX/XX/XXXX. They didnt reply in a timely matter. They sent a letter dated XX/XX/XXXX which I received a week after XX/XX/XXXX. The XXXX XXXX stamp on the envelope of the letter I received is dated XX/XX/XXXX and the envelope of the letter is stamped XX/XX/XXXX, both dates XX/XX/XXXX and XX/XX/XXXX are outside of the 30 days they have to respond. Also the didnt furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the CEO XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he choose not too.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought a car and the loan is from Bank of America, my car was involved in an accident which the insurance company declared it as a " total loss '' but the insurance company refused to pay for my car and I kept making my monthly notes to Bank of America. I fixed the car by myself, it took me 8 months to get it done but the car is now in perfect condition. The problem started when Bank of America reported this account as a 'charged off ' even though I have never missed a single payment and always on time.

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 03/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Equifax credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for direct consolidation loans under Navient using the Dept of Education student loan website which linked to my 2015 IRS. I received confirmation that my direct consolidation loan requests with Navient were received with estimated payments under the REPAYE program ( which I also submitted the documents to apply for REPAYE ) of approximate {$220.00}. Despite confirming the processing of everything, confirming the accuracy of the information and receiving the paperwork with the REPAYE estimated amount, I now have a bill of {$1200.00} which is not based on the REPAYE amount. Further, my private loans under Navient with the standard payment of approximately {$720.00} now shows {$0.00} due, which would be great, if it were correct. In the end, my monthly student loan from Navient should be approximately {$950.00} not {$1200.00}. This is ridiculous, I had to call them so many times to confirm everything was received and processing correctly. Their practices are unfair and deceptive as they do not properly process the loan terms and put the consumer at risk of significant credit and financial harm. I can barely make {$950.00} and can not pay {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We recently originated a home mortgage for a primary residence with HomeBridge Financial Services of XXXX, GA. Only the XXXX payment only was due to HomeBridge, and XXXX took ownership of the loan and loan servicing with two weeks of closing. HomeBridge assured me the first and all subsequent payments could be made to XXXX, this is what we 've done, and no payments have been late. We have since been billed by both HomeBridge and XXXX, whereas the loan and subsequent documents clearly show XXXX as the correct loan servicer. HomeBridge continues to invoice us showing multiple months of late payments and late fees. We brought the issue to HomeBridge and XXXX upon the XXXX mistaken invoice ; HomeBridge would only give a verbal " we 've fixed it ''. Our concern was the HomeBridge mistake could lead to negative filing with the credit bureau. HomeBridge sent an email stating that no negative reporting would occur ; however, this was false. They had made a negative report to the credit bureau based on their inability to correct the mistake. To clarify, HomeBridge sold the loan but is attempting to continue collecting. In doing so, they are applying late fees on top of payments that are not due to them, and now confirmed that they made a negative filing with the Credit Bureau. This is negligent noncompliance with the Fair Credit Reporting Act. HomeBridge states that they are remedying their cascade of mistakes ; however, failing to act on previous verbal and written assurances leaves us in a position to defend our rights, our credit and our money from the clearly dysfunctional and untrustworthy HomeBridge Financial Services, Customer Service and Loan Administration departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Privacy

Complaint: While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SYNCB/LOWES XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Concord Resolution calls and leaves me a message saying I have been belligerently unwilling to pay. They have called me every day threating to take action on a payday loan that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my neighbor, whose telephone # I do not even know. asking for me. My debt has been all placed in a debt remediation program and all calls are to be directed to that agency.The name of the company is MCM. The telephone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Because of the XXXX security breach, I 'm requesting a credit report freeze. It took around five minutes to do this with XXXX and XXXX, using their toll-free numbers. TransUnion, however, is totally inaccessible, either by phone or online, and has been since I started trying to reach them on XXXX XXXX. Five phone calls resulted in my being placed on hold for 20 minutes the first time, and then disconnected. The other 4 times, I was placed on hold for only a few seconds before I was disconnected. TransUnion 's website explains the heavy internet and phone traffic due to the XXXX breach, but this has been going on for days, and has n't happened with the other two credit reporting companies. The website asks for al my information, then, at the end, says it 's temporarily unavailable.

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 09/14/2017 about Debt collection (I do not know) with CITIBANK, N.A. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX Phone XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a Citibank N.A. debt that was originated in XX/XX/XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but Citibank sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from Citi stating that the loan was fraud and asking them to remove it from my credit but XXXX has refused to move it. On XX/XX/XXXX Citibank sent me a notice of account closure of this fraudulent account partial account number XXXX but XXXX XXXX still trying to collect on it. on XX/XX/XXXX I called XXXX XXXX, but they are still insisting I pay them.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX : XXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Requested line of credit from XXXX XXXX, and was notified to call in for further information needed. Barclays then requested I photocopy my drivers license, social security card, and bank statement or utility bill, and mail them in to an unnamed post office box. When I told them I could not send those items through the postal service, as placing all those documents in one place put my identity at unreasonable risk and I would like to verify my identity through other safer means, I was told that was not possible. To be clear, I should never be asked to put those documents in the mail. I offered to walk them in, they said that was not possible. Now, though having an 800+ credit score and an excellent debt to income ratio, I have been forced to either jeopardize my identity or take a penalty on my credit score by having to withdraw my application and apply to another credit lender. This is an unacceptable choice that I should not have make. They notified me that this was not a credit bureau request, nor a request from the government. They insisted that it was company policy. I have never been asked to mail in this information when applying for credit. I feel something is amiss here.

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 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: EOS CCA has flagged my credit report and everything that i have researched calls this company a SCAM.my account with them they claim is closed so why is it still on my credit report? I do n't feel i should pay this collection agency if it 's closed and has been well over XXXX yrs old if the original company closed the account and i ca n't find who the original company is for verification.i truely believe this company is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XX/XX/XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Collection account with  Portfolio Recovery. I have made contact by telephone and email to dispute this d ebt since  XXXX   XXXX ,  XXXX . I have continued to receive collection notices but never verification of this debt. I have requested verification of the debt in regards to the amount listed as owed since  XXXX   XXXX ,  XXXX . I was recently mailed a statement  XXXX  of  XXXX , with no additional information in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX my credit card was stolen. There were approximately {$2000.00} in fraudulent charges. I notified my cardholder, Synchrony Bank, who informed me that I have fraud protection and that I am not held liable for any fraudulent transactions made. They will not remove the transactions from my account and still require me to make an outrageous monthly payment because they still have not finished " investigating '' it, even though it is now XX/XX/XXXX. I have paid in full all valid transactions made on my credit card. The balance due is now 100 % fraudulent transactions. So I do not feel it is right or fair to hold me liable for this balance, interest, and monthly payment. Every representative I have spoken to has been extremely unhelpful. They have lied to me, and have even told me that my fraud case has been completed and all transactions were refunded to my account. When that is not the case at all. I can not get an answer from anyone as to why I am being held liable. XX/XX/XXXX my monthly payment was {$160.00} because of these fraudulent transactions. When I called a representative instructed me to just pay around {$50.00} because that would cover the legitimate transactions on my account. That did not seem right to me. I took out a personal loan to pay off my legitimate transactions because I do not feel comfortable owing this bank any money. I do not believe they will reverse the fraudulent transactions. I do not believe anything that they say to me. I believe they are deliberately taking advantage of an innocent consumer that lives paycheck to paycheck. 

On XX/XX/XXXX I received a letter stating my claim had been approved and everything was credited back to my account. It has not been, so I contacted the bank and they were unsure as to why I would have received that letter and they could not help me.

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I pulled my Experian credit report and noticed they have 10 variations of my name and 9 of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States  Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations.

I received a response to go track down whoever is reporting these incorrect names & addresses. 
As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. 
The other credit reporting companies had no problem updating my information and removing all others. 
I am not going to chase down 13 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct.

They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed.

They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information.

I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I applied for an apartment yesterday and was declined, because XXXX XXXX had incorrect information about my rental history. ( They received this inaccurate information from XXXX. ) The information stated that I had an outstanding balance with XXXX with whom I had a lease in XXXX. I called XXXX today ( XX/XX/XXXX ) and confirmed that there was no outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX is reporting on all 3 credit bureaus as a negative debt. I sent a letter to national credit systems to verify the account on XX/XX/2017 and the has not validated the account nor verified the account. I would like the following to be verified. *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; and *Provide me with your license numbers and Registered Agent. If National Credit Systems offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Thank You,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation