milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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 an Item listed on my credit report from  XXXX  and they refuse to remove it. Actually they put the item back on my credit report after removing it back in  2016 .  XXXX  has notified me that they advised Experian that the item was to be removed. It is evident by the proof that I have which is attached that Experian is in violation of federal law and they are just trying to hurt my credit worthiness. This item needs to be removed immediately.     Secondly ( see attachment ) that Experian is reporting that an old student loan which was sold or transferred was late on a payment. I was never late and yet they report me as late and even list in the comment section that they can not verify it but yet have me as late. Once again violation of Sec tion 609 of the FCRA. Thi s needs to be updated to reflect never late as I was never late and they can not verify their reporting.     Third they added a security Freeze to my account and I did not ask them to do so. This needs to be removed immediately

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Thank you, I have been trying to get my credit report fixed with incorrect information for 6 months now. I 've received a letter from XXXX XXXX on XX/XX/XXXX stating that they made an error in reporting our mortgage account was delinquent. The loan was converted during the HAMP in XXXX and was not suppose to be delinquent. I have contacted XXXX XXXX multiple times in which they contacted the credit bureaus to fix these errors. Since Transunion did n't update my information correctly, I opened a dispute. My credit report is still wrong. It says my payment is 120 days late. Problems are listed below : - Account is closed - So no payment is due - Loan was rolled over to HAMP - Old loan is closed so no payment due - Received 2 letters from the bank to fix these mistakes. 

I contacted Transunion onXX/XX/XXXX. I told him how can the account be " 120 late ''? A paid in full account is late? A closed account is late? This is clearly referenced in the account credit report information ( closed & new loan ) but they will not update. I 'm paying a new mortgage, again this is clearly documented in my credit report. All of these issues have ruined our credit for the last 2 years. This is the only thing delinquent, so each should be easy to find and fix. Also, I have a membership through Transunion. So I am getting charged to monitor their mistakes? 

I 'm attaching my supporting documentation. Please assist.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax indicated they believe my personal information has been stolen as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I just wanted to do my part in taking down Navient for the unethical way they have handled my Student Loans. 

I have 5 individual loans totaling {$17000.00} the five are a combination of subsidized and unsubsidized loans, vary in amounts and interest rate. 

But the commonality shared between all of them is the fact that I am upside down. Owing more than the amount I initially borrowed. Not through any fault of my own ( outside of being an indecisive student making an attempt at college only to discover it is n't for everyone ). I was forced into multiple deferments, not given the option to keep paying as I attended school and as a result I now owe more than I borrowed, understood when you factor in interest, but not understandable when you factor what was accrued as a result of Navients practices. 

I am not attempting to get out of my responsibilities, though I would love my debt to be wiped clean as Torah calls for, after seven years, I understand I signed my name on the dotted line and must repay. But, I do below that I owe less than my current amount shows and want to be reimbursed for the amount accrued due to forced deferments. 

Navient deserves to be out of business for what they have done. They have taken advantage of people and are the epitome of predatorial financial institutions.I hope my complaint provides US DOJ with more ammunition to put this company in the grave where it belongs! 

CROOKS!

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX, acting this toime through West Asset Management , Inc, is making an attempt to falsely collect for a debt of {$150.00} that is supposedly for a signal booster that was never requested and never delivered because I did not have XXXX Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with ProCollect Inc. Would you please provide me with a contract that I have with your company with the alleged debt you purchased and how much it is for? I have already filed a company with the Better Business Bureau & with the Texas State Attorney General. I would also like to know if your company can legally collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX County Tax Lien showing on my Experian Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX County yet Experian continues to report this incorrect information.

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 11-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I had paid my credit card off using my checking account. The checking did not have enough funds, and I did n't bother with transfering the money from savings to cover it because I was going to rely on " overdraft protection. '' I was then charged a fee of XXXX for that which I have never been charged for before. I called and complained about that, and all they said was " this was in the paperwork. ''

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 monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have notified Equifax twice that the inquiries that are on my credit report are fraudulent inquiries that were not authorized. I have sent several letters to Equifax by certified mail, yet the inaccurate information, remains on my credit report. These inquiries add a hardship and my rights were violated by Equifax. I ask that CFPB help me make Equifax stop victimize me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX is VERY convincing when they say my home loan not being restored to be reported by EQUIFAX is completely XXXX 'S FAULT. 

XXXX is very convincing when they say that it is EQUIFAX 'S fault that the home loan is still not showing on EQUIFAX. 

Both parties seem to be engaged in a XXXX stand off, that by definition requires a third party to end. 

There is a NEW XXXX stand off between XXXX and EQUIFAX and my autistic son XXXX XXXX is getting hurt by XXXX and EQUIFAX blaming each other instead of restoring my perfect XXXX year payment history so I can get a personal loan to fix my son 's teeth. An emergency room doctor said that if he had teeth like my son, he would want to be on morphine until the teeth got fixed. XXXX can not take morphine and is suffering intense pain until XXXX and EQUIFAX undo the damage preventing me from getting a loan for XXXX ' dental XXXX. This nightmare has been dragging on for months now. Here is a link that shows you XXXX was engaged with a similar XXXX Stand Off with TransUnion in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with XXXX and another party with me and my son trapped in the middle. This should not even be happening. 

While the lion 's share of this ordeal rests with XXXX for creating the problem in the first place, EQUIFAX is not making it a priority to resolve the problem and is engaging in the blame behaviour which creates a XXXX stand off situation. Both parties need to realize they are harming an autistic young man who has done nothing to deserve the XXXX their ridiculous delays are causing him. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted Dynamic Recovery Solutions who is collecting on behalf of XXXX XXXX XXXX. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is paid in full collection agency stayed the send the updated to all three bureus on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: I have a current credit card from Capital One that the terms have been routinely changed on multiple times since it 's original issuance to me on XXXX/XXXX/XXXX. I have formally requested the original card-holder agreement and terms that were issued from the original XXXX/XXXX/XXXX issue date and Capital One has neglected to provide it to me. They only seem willing to provide me with XXXX from XXXX XXXX that accompanied a new change in agreement/term that I was not properly notified about again. 
The reason that I would like the original agreement is because I remember being offered a much better long term interest rate than what has appeared through the last 3 years of statements that I have received and now reviewed online. I believe that Capital One has not adhered to their original issuer agreement with me and has adjusted their rates upwards at a regular interval over the last 3 years to a nearly 24 % purchase rate. The original rate was supposed to be 14.9 % for 2 years, but I do n't see any indication on my statements of a fixed purchase rate over this period of time. 
Capital One also does not have a single late payment from me as I have had automatic payment established with them from the inception of the account which I have adjusted to pay at least double the minimum monthly payment. I usually follow-up with a XXXX payment each month of much more. 
I have a printed record of my latest request for the original XXXX/XXXX/XXXX card issuance agreement by Capital One 's secure online chat service from XXXX/XXXX/XXXX. " XXXX '' was told by myself that I specifically wanted to check on this agreement as I felt that I was duped on the terms and charged much more money. He told me that he had found the original agreement and would send it to me by mail. I told him that I did not want the current agreement for XXXX XXXX in which the terms had once again changed. He told me that he understood that and would send the original XXXX/XXXX/XXXX agreement. 
I received the XXXX XXXX Agreement in the mail yesterday. I think that Capital One is avoiding providing me with the original card issuance Agreement because they have defrauded me of its terms and do n't want me to be able to prove it. 
I demand to be given this original agreement as I am entitled to it as a card member and suspect fraud has gone on against my account for the last 3 years over my APR interest purchase rate as well as the introductory 0 % that I should have received for longer than was applied to my account. I know that I have most likely lost over {$1000.00} in incorrect interest fees applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My bank ( HSBC ) sold my mortgage without my permission. I 'm now stuck with some debt collection company out XXXX that makes it much more difficult to pay, and no doubt leaving me open to late fees. Why do I have to jump through hoops to refinance, but the banks can XXXX me with one day 's notice? ( I got their Notice of Servicing Transfer letter ONE DAY before this took effect )

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I contacted Commonwealth Financial and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to XX/XX/XXXX. XXXX then conference called XXXX at Commonwealth Financial and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called Commonwealth Financial back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client XXXX XXXX XXXX. After receiving this information the last 3 times I called Commonwealth Financial without any update on the status of the investigation I decided to call the original client XXXX XXXX XXXX to check on the status of this investigation. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX unknown debt collectors impostering as illegal Creditors has for the past two years threatened illegal confiscation of real property for personal family or household purposes. The Consumer has served several notices upon XXXX Law Firm and Nationstar Mortgage LLC. XXXX parties have failed to comply with federal Consumer Laws such as the FDCPA. The Consumer has attached a copy of all communications from and to the data collectors.

Company response to consumer: Closed
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This is the 3rd complaint I had file againt PORTFOLIO RECOVERY # XXXX I never recieved any information from this company or notifaction concerning this account. I have never heard of this company and never done any business for service, contracts or products.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I was charged a late fee on a credit card payment with CITIBANK due to stolen us mail statement, I being a client for Citibank for over 20 years, and when I got the notice 2 days after the due day, I call them 1st, they offer to reduce the late fee by {$15.00}, I told the rep, should be the entire amount, but it escalate it to the manager who said it will wave nothing.I went to the local branch and made a payment personally. I wrote them a letter with all proof of mail being stolen, and received a response of not accepting, on my next statement they have add extra minimum charges. 
Citibank is changing the credit card policies to get more fees. without proper notices, I as a consumer agree on a bank making their % money and fees as long AS THEY DISCLOSE THEM PROPERLY, Citibank to my opinion is not doing this part clearly and honestly.

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 monetary relief
Consumer complaint received 11-10-2017 about Mortgage (Other type of mortgage) with FCI Lender Services Inc. (CA).
Issue: Trouble during payment process

Complaint: FCI lender services is accessing my loan with continued illegal attorney fees and breaking California collections practices and foreclosure laws. I have attempted to resolved this matter when {$600.00} worth of illegal attorney fees were accessed on my mortgage and I was told it was because I was 60 days late. This was proven to be untrue and the fees had to be removed, only after I threaten legal action. But recently the lender has placed {$1500.00} in attorney fees and placed my loan in pre-foreclosure on XXXX XXXX, XXXX, I was only due for the month of XXXX 's payment. I received the attorney letter dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX, my loan was due for XX/XX/XXXX payment, this lender hired this attorney to produce a letter for my loan which was not even 30 days late at this time. On my previous complaint case # XXXX, the representative for the lender ( XXXX XXXX XXXX, XXXX stated fees should not be access unless the loan is 60 days late and the investor was advised of the inadvertent error and the XXXX fees were removed, but they have chosen to continue doing it and have now accessed {$1500.00}. FCI lender services is still practicing in a unlawful manner for this private lender.

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 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2016, PennCredit generated a notice regarding a {$36.00} per capita tax payment on behalf of the township in which I reside. I received this notice in my mailbox the week of XXXX XXXX. PennCredit has since contacted my father 's place of business by telephone and disclosed the debt in a voice message. I believe this constitutes communication with a third party regarding my debt. I had not communicated with PennCredit or represented my father to be my agent nor my attorney in the context of this debt. I believe this represents an aggressive and unfair debt collection practice. In the written notice I received from PennCredit, the company discloses that I have 30 days to address the debt. Yet within a week 's time, the company is contacting a third party by telephone to collect said debt. I am unsure if PennCredit has reached out to other third parties in an attempt to collect this debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are 4 credit accounts on my credit report that are over 10 years old. I have asked the 3 consumer credit reporting agencies to remove them and to date I have not received a response or any results.

Company response to consumer: Closed with explanation