milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed all inaccurate and incomplete items on my credit report due to lack of original documentation being provided a few times to no avail. Experian continuously updates my report saying the items have been verified when the FCRA states that if the original documentation can not be produced the allege account or debt are inaccurate and/or incomplete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX 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 non-monetary relief
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A women named  XXXX   XXXX  has contacted me numerous times from  XXXX   XXXX   XXXX  phone number  XXXX   XXXX  EXT  XXXX  stating i owe money to a credit card company and she has threaten to sue me. The credit card company themselves have no record of the debt. She also has a women named  XXXX  calling me stating she is a processor out of  XXXX   county  justice civil court and she needs to serve me papers.When i contact the court they have no record of any cases in my name.They have stolen my identity and are trying to get money from me. This is all fraudulent and i have even blocked  XXXX   XXXX   XXXX  number and she still finds a way to call me. This has been going on f or one week  now. Their Address is  XXXX .  XXXX   XXXX   XXXX , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX most likely sold my defaulted credit card to XXXX XXXX XXXX who have been harrassing me for way too many years. I appeared in Court and provided financial information to them to document that I did not have the resources to repay the debt. They call and call and send letter after letter. I went thru a difficult divorce and have still not recovered from that period of time. BUT this debt should not be still be reported on my credit report as the default occurred @ 7 years ago.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, 2017 Chase Auto performed a hard inquiry on my credit report without my consent. I contacted Chase auto and said would not be able to solve my issue i would need to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (SC).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a {$1500.00} loan in  XXXX   XXXX  and was under the impression that as I paid  (  bi-weekly {$150.00} ) which totaled {$300.00} a month that my balance would decrease with each payment. Well, I ended up paying a total of {$1200.00} ( during a 4 month period ) on this loan and still owed {$1500.00}, which I paid out in  XXXX ,  XXXX . I feel that this company "  Check-N-Go '' have very unfair and huge interest rates and that if  they see that a consumer is trying to get them paid out, they should work with that person. I never missed a payment yet my balance never decreased, but steadily increased. So I ended up paying them almost twice the amount borrowed and it was all less than a 6 month period of time, WHICH IS UNHEARD OF!!!! I would like to warn others about them and get my MONEY BACK! There are  XXXX  stores in  XXXX   XXXX , SC and I 'm sure numerous within the state of South Carolina. I did business at the  XXXX   XXXX   XXXX   XXXX . location

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage loan servicing rights were sold to Caliber Home Loans in XXXX 2014. 

To this day, we have NOT RECEIVED ONE MONTHLY STATEMENT FROM CALIBER. 

We have never received a statement, or any letters, or correspondnce providing us with the loan number of the account, who to contact for questions, monthly payment, amount owed. 

This is a clear violation of CFPB Rules for Servicing of Mortgage Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: American education services took over my XXXX private student loan. When this took place a couple of years ago, I received a letter from them explaining they would be servicing my student loan. I am XXXX and can no longer work and have been fighting to get my student loan forgiven. Whenever I contact AES to ask questions about what help there is when I can not afford my payments, I am told there are none. When I ask to speak to someone with XXXX, I am told there is no way for me to do that. absolutely no one gives me answers. I need help and there is none with either company. I need help, and it wouldbe nice if someone explained exactly what XXXX AES Does do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with TRUSTMARK CORPORATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2012 I contacted trustmark bank to provide them with my mothers death certificate and my contact information as the payments would be made until I could get an attorney to probate the estate. In order to proceed the attorney would like up to 6 months to probate the estate as well as give time for the property to sale and close. 

This option is requested because the value of the home has been appraised at $ XXXX give me time to work with the attorney and the realtor in order to pay off and sale the property to another owner. Where this would allow me and my brother to obtain some legal compensation for the only asset left behind by my mother. 

Hold off on foreclosure proceedings and allow me to sale this home. 

So that me and my brother can be financially compensated for our pain and suffering during this difficult time with the death of our mother XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, 2017 a collection account was placed in my file with the credit reporting agencies by Pinnacle LLC C/O Resurgent Capital Services. I was not informed in writing of this debt before it was placed on my account. Under the FDCPA a collection agency is required in written communication with the following information : written notice of debt, the amount of debt, the name of the original creditor and a statement describing my right to dispute the account and 30 days to dispute the validity of the debt. In addition I do not have a contract with Pinnacle LLC C/O Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have seen the Public Record in my report, it 's over 7 years BKPT CT AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the {$30.00} fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to XXXX, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of the buyout, I can no longer access prior bank statements, only corporate can. I was told by local branch it was a bank error and they would be in contact to fix everything. After a few days with no phone call, I called the collection dept that keeps sending letters. I was told because BB & T does n't do skip a payments, they do n't honor them, even though Susquehanna offered these. So I was told they will continue to hit my credit and send letters til it is brought " current ". How is this legal? This was an incentive offered by the bank BB & T bought. At this point, it 's looking like I 'm going to have to get a lawyer involved.

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 CMRE Financial Services, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 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: Account status incorrect

Complaint: XX/XX/XXXX   -   XXXX   XXXX   XXXX   XXXX   's (  XXXX  ) automatic payment service ( $   XXXX   /mo )  failed to cover a {$0.00} balance on my    HELOC ac count.        XX/XX/XXXX    - I noticed a  30-59 da y delinquent report on my report for my   XXXX  HELOC  reported by  XXXX . This was not reflected on my   XXXX   report.        XX/XX/XXXX    - I contacted  XXXX  requesting that they update and correct my  credit score  over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the  XXXX  report but not the   XXXX   report.        XX/XX/XXXX    - I disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.        XX/XX/XXXX    - While I did not receive  XXXX  's promised " Dispute Resolution Email '', I noticed that the   XXXX    reporting  history reflected th e 30-59 day delinquency   within  two d ays of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX   I again asked  XXXX  to correct and update my credit record. Within  two  days,  XXXX  corrected the record to reflect a 100 % on time payment record, while  XXXX  did not.        XX/XX/XXXX    I again disputed the record via  XXXX  's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.        XX/XX/XXXX    No response received from  XXXX , but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a  30-59 d ay delinquent charge, coincidental with the dispute of  XXXX  's report.       XXXX   XXXX   XXXX   to date, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.     The   XXXX   score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of whi ch I may no t be aware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Medical) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (OH).
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 recently dicovered that my identitiy has been stolen and there was an account opened up with XXXX XXXX years ago. They are saying that I owe them {$810.00} and I never had a XXXX XXXX account in my life! 
They eventually sold the debt to XXXX XXXX and I just recently discovered this whole ordeal on my credit report and disputed it with XXXX XXXX The Denver Police Department and even tried calling XXXX XXXX. After 3 phone calls with XXXX XXXX I have decided to report how rude and awful they were to me and nothing has been done about this identity theft. I first reported it to XXXX more then 4 months ago and it is still dragging down my credit score. Now I am in financial limbo with no help. XXXX XXXX needs to take this off my credit record! I am a victom and they are really awful to innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have had my identity stolen and someone has tried multiple times to open credit with Synchrony bank using my ss #, address and other personal information. I have contacted the credit bureaus and FTC and filed police reports. I had another attempt with the same company yesterday. When I called the phone number on my credit report, I was connected to XXXX different departments. The first person I spoke with " XXXX '' said there was an account opened, then he said he thought it was closed, and I did n't need to worry about it. When I repeated that there was another attempt about four times he finally connected me to the fraud department and I had the same thing happen there. Then the woman " XXXX '' refused to look into the application pending until I insisted several times. Finally she said she found it and started a fraud claim. When I told her the last time this happened ( Three prior attempts ) it took four months to have the inquiry removed from my credit file. Then she told me that was n't her problem and I would have to resolve that with the credit bureau. I reminded her that the last time this happened, the bank requested it be removed. She refused to provide any assistance. I am very upset that I have not been informed of who is doing this and that the person, is still belligerently attempted to open credit with my information. I have asked to bank to put a freeze to alert on my ss # number, and they refused saying I 'd just have to keep calling in and reporting a fraud.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a zero a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Hi, This is XXXX XXXX XXXX. I want let you know that My wallet was theft by someone. I need you check on someone use online for applied to credit card. 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 09-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: I have had two problems with the mortgage since I refinanced. First shortly after I refinanced they raised the cost per month to {$1500.00} a month with the option to be {$1500.00} a month if I sent {$24.00} in. I did send the {$24.00} in but never got the cost lowered or even credit for the {$24.00}. This " escrow shortage '' of {$24.00} I sent in on XX/XX/2016. I called a couple of times without getting results on this. Then I talked to a manager who acknowledged the error and said she would rectify it. She never rectified it and would n't answer the phone or return phone calls after that time. 

My second complaint is that the mortgage company, now called " Mr. Cooper '' has decided my monthly payment needs to be raised again to  " cushion my escrow for any increase in taxes and insurance and has raised my monthly payment by {$93.00}. This outrageous as my initial payment was under {$1500.00} and now is will over {$1600.00}. 

They claim my county tax has gone up {$1500.00}, town tax {$310.00} and my Hazard {$760.00} per year. Those are all pretty hefty sums out of the blue with no notice from those making the purported increase. 

My mortgage will now be {$1100.00} more a year. I 'm having a hard time believing that the taxes and insurance shot this high all of a sudden. Have not heard anything from the insurance company.

Company response to consumer: Closed with explanation