milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Debt collection (Medical) with LAMONT HANLEY & ASSOCIATES INC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Rec 'd a call at work from Lamont Hanley and Associates, for XXXX. I told them it is illegal to call me at work. XXXX ext 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 10/28/2017 about Debt collection (Credit card debt) with U.S. BANCORP (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: US Bank {$30000.00} SECURED CREDIT CARD. A this SECURED credit account was closed PRIOR to the secured amount. US Bank continued to keep the credit card account open and USBank charged late charges over limit charges and reported false and inaccurate information - then charging off an account that was and had been closed prior to the secured card limit

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 09/13/2017 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: I recently disputed information with Experian and they once again refuse to abide by the law. Section XXXX of the FCRA specifically states that I as a consumer have the right to ask for PHYSICAL PROOF to support their verification process and they REFUSE to give me the information that I am asking for. The following items are still be listed on my credit report and they simply send me a new report stating the creditor verified the information. They are liars, frauds and are breaking the law. I am demanding that physical proof be sent to me. The law does not state that I have to contact the original creditor, The credit bureau has to provide the information that I am asking for and they WILL NOT Do it. 

Experian is reporting the following information and refuses to send me Physical Proof to show the account is 100 % compliant with the law meaning it is 100 % verifiable, 100 % complete and 100 % accurate. 
I am also wanting to report a XXXX XXXX Violation as they are not supplying me with full complete line item information. 

XXXX. XXXX XXXX XXXX. Listed with partial account number XXXX and this is a medical collection which is VIOLATING XXXX as no release was signed by me. 
XXXX. XXXX XXXX Services Listed with a partial account number of XXXX They refuse to send me physical proof. The burden of proof is not on me it is on you EXPERIAN to provide physical documentation or remove it. 
XXXX. XXXX XXXX Listed with a partial account number of XXXX they say the account meets the requirements of the FCRA. IT DOES NOT. No physical proof has been supplied to me even when I request it. They are reporting erroneous and inaccurate information against me with this one. XXXX can not provide a signed contract so how can Experian Verify it, they cant!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX XXXX I found out someone had rented an apartment in my name XXXX XXXX XXXX in XXXXXXXX XXXX who said I owed {$3900.00}. I then contract the collection agancy which is NCC Business and informed them that it was not me. I was told by an repersentive at this company that I need to send a email giving them permission to send information about this account through email which I did. I never recieve anything or heard form them again. I then was trying to rent an apartment in XXXX XXXX. And was told by the complex that I owed another complex money. This is when I saw that it was been reported to XXXX and XXXX XXXX, I contract both reporting agency put in an dispute, XXXX responded and said the debt was mine. I then contracted the oringinal credtior on XXXX XXXX, XXXX who 's name is XXXX and I did a Dispute XXXX giving them a police report. They never responded so once again I let the NCC Business company know that there was no answer. And how if I was not getting an answer how were they. NCC would not let me know who was they contract at XXXX,. I reached back out to NCC Business and sent them my XXXX report and a photo ID. NCC Business then told me they would send this information to XXXX. And XXXX had thirty days to answer. this was on XXXX XXXX, XXXX. I called XXXX XXXX again on XXXX XXXX, XXXX an spoke with a supervisor by the name of XXXX XXXX who told me that XXXX responded and said that the debt and the ID match.So I called the local XXXX office on XXXX XXXX and was told to call their customer care office in XXXX Once reaching out to XXXX customer care department on XXXX XXXX I was told by a repersentive who 's name is XXXX who is the person you speak with when you are trying to pay a debt or dispute a debt for that area which is Georgia. XXXX told me that they never recieved any paperwork from XXXX XXXX about the debt. And if XXXX did send it to us it would be no way to verify because we no longer own the apartments. And also we do not have your ID on file. I called NCC back on XXXX XXXX, XXXX spoke with XXXX XXXX again told him what was told to me and asked again who or where did he send the paperwork and XXXX XXXX still had no answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: these are unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( 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 01/22/2018 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 belongs to someone else

Complaint: Fraud reporting in Experian Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from Experian, XXXX and XXXX to block the fraud inquiries and account. They refuse to 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 non-monetary relief
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am on the 120 month repayment an as I XXXX in a high needs area. When reapplying each year I was given a combination of incorrect phone numbers, incorrect fax numbers, different 'acceptable ' documents necessary, and told my documents were 'lost '. I was also given different information from different people. During theses times my loans were put into forbearance as to not have them go into default. While I am in good standing, thus has added several months of added interest and time that I have to repay. And it has happened every year.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in -XXXX. 

We did not receive any payment deferment as promised in XX/XX/XXXX until we filed a CFPB complaint in XX/XX/XXXX. Bank of America Irma Relief at XXXX was not able to help us resolve the issue for deferred minimum payment. 

When the deferred minimum payment issue was corrected by Bank of America, it was done very poorly. 

Bank of America has been the LEAST helpful to Hurricane Irma victims of any banking institution. We can name a dozen other banks who have been so much more understanding and helpful. Bank of America has charged our credit card account hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX. Additionally, Bank of America has caused us great emotional distress by reporting to the credit bureaus a late payment notification. We have never had a late payment until Hurricane Irma. Our local TV station is requesting to do an in-depth expose on the treatment Bank of America has provided Hurricane Irma victims in our area, which has been horrible. 

We should not be charged ridiculous hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX nor be subjected to a credit bureaus late payment notification due to Hurricane Irma. We feel like Bank of America has no compassion for Hurricane Irma victims, especially those in a XXXX minority category. 

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 monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with Rodenburg LLP (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: On XXXX/XXXX/16 I received a letter for the exemption I faxed a letter showing that the last time I received assistance was XXXX/XXXX/2016 which was within 6 months from receiving this letter I faxed it back to them on XXXX/XXXX/16 along with a letter that my children receive free lunches. They told me that the exemption was not valid even though it was within 6 months and that the free lunches is benefit for my children. I told them that I was applying for assistance again and then sent them an email that I received on XXXX/XXXX/2016 that I was approved again for assistance. They said the email did not work on XXXX/XXXX/16 I sent them the approval letter that I received that the first payment for assistance was on XXXX/XXXX/16. In the meantime my check has been garnished knowing that I have received assistance and exemption and that I will be receiving assistance in XXXX. They are telling me the garnishment will continue until XXXX/XXXX/16 even thought the exemption states within 6 months and currently receiving which I am just because the first payment for the new year does not start until the end of the month. The collection person also has notes that she talked to me and called me and she never contacted me. In 2 weeks she never returned my calls and I called at least 5 times a day and never talked to her or anyone else but left messaged. Today XXXX they finally let me talk to a supervisor and she told me again the exemption is not valid even thought it starts in the month and is current. 
She said garnishment will not stop until XXXX. The exemption letter that is sent states currently receiving or within 6 months months. The exemption is currently receiving in the month of XXXX As well as other collection places take the kids getting free lunch as an exemption as well and not sure why they will not as this is assistance for the family based on my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX   XXXX  is working m behalf of   XXXX   XXXX   XXXX  s and they illegally reported to transunion that i owe them money. I disputed this with transunion and they still allowed them to stay in my credit report. My state attorneys office has already fined this company and they are not licensed lenders and transunion still allowed this to stay on my credit report, unlike  XXXX  and  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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I DISPUTED 2 ACCOUNTS ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX, IT SHOWS TWICE ON MY CREDIT REPORT FOR TWO DIFFRENT AMOUNTS. THESE ARE NOT MY ACCOUNTS AND THIS COMPANY CAN'Y VERIFY MY SOCIAL OR NO OTHER INFORMATION AND TOLD ME I WOULD HAVE TO DISPUTE THIS WITH THE CREDIT BEREAU, THESE 2 ITEMS WAS DELETED FROM ALL OF THE CREDIT BUREUS EXCEPT EQUIFAX, I ASK THEM TO SEND ME VERIFICATION OF THESE 2 ACCOUNTS AND THEY HAVE NOT SENT ME ANY VERIFICATION OF THESE ACCOUNTS AND HOW THEY WERE VERIFIED, IT HAS BEEN OVER 30 DAYS AND DISPUTED TWICE AND ALL THEY SENT ME WAS AN UPDATED CREDIT REPORT SAYING IT 'S BEEN VERIFIED WITH NO ADDITIONAL INFORMATION. THESE 2 ACCOUNTS NEED TO BE DELETED FROM EQUIFAX, THEY WERE ALREADY DELETED FROM XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Non-federal student loan) with Ability Recovery Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company ( Ability Recovery Services ) uses scare tactics to recover money that i do not owe and reports it every few months as a new loan. Ive asked numerous amounts of times for documents they threaten they have to be sent to me and im flat out told no.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with EQUIFAX, INC. (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am a victim of identity theft. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I started receiving alerts on my Transunion credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/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 02/23/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have never missed a payment. Chase Mortgage Department has refused to acknowledge the proof of pavement I have submitted, the actual bank statements showing payment was submitted and money taken out of the account, including the last XXXX digits of the loan number. This has been going on since the beginning of XXXX with each representative saying the situation was, " being researched. '' After I faxed proof, I was told it takes days, up to a week, for them to actually receive the fax. Every time I called, I was told they did not have access to the fax yet. Finally, today, I stated, " I want you to physically look at my proof, now, while I am on the phone. " After 3 and a half hours on the phone, supposedly a work order has been submitted for review by the, " back office, '' and I am supposed to hear back within 48 hours. Everytime I have requested to receive acknowledgements in writing, I have been told Chase does not resolve disputes in writing, only verbally. I am now being told that even though I submitted evidence of every payment being taken out of the bank account, nonetheless, they have to figure out what they physically did with that payment before correcting the account. In the meantime, the account shows in arrears. After 1st telling me it was XX/XX/XXXX 's payment missing, then saying it was XX/XX/XXXX 's, they are now saying it was XX/XX/XXXX 's payment. I sent proof of all payments from XX/XX/XXXX through XX/XX/XXXX, 2016. Several representatives have said only one particular representative in XXXX can help me, however, there is no way for me to directly reach XXXX, when I call it goes to XXXX office. I am told there is no way to transfer me. Others have told me anyone who answers can help me. I have received conflicting stories from multiple representatives. I have spoken to a number of supervisors. Currently, a verbal promise has been made to research and resolve within 48 hours. I hope for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My apartment mistakenly filed an eviction in the court against me, when i brought it to their notice, they told me to disregard it which i did. But after two months, i saw it on my credit report.However, i have called the court and my apartment, and they all agreed that it was a mistake because i was not owing my apartment that period. 
Please i need to this record out of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I cosigned a private loan through XXXX to help my step son get a secondary education ( contingent on not having any financial responsibility for the loans ( My step son, his mom and his dad agreed to this ) ) XXXX transferred the loan to Navient to service. Upon graduating from college my step son did not make enought money to cover the monthly payment for all his Federal and Private student loans. In XX/XX/2012 we contacted XXXX/Navient to set up an income based payment plan so that he himself could afford to make the payment each month on time without undue hardship. XXXX/Navient refused and would only offer to allow him to make interest only payments for two years. Feeling that there were no other options he ( with the help of his Mom and Dad ) complied and they collectivey made interest only payments on time each month for two years. My step son has always had a job, decent credit and was making the payment on time each month. He requested XXXX release me as the cosigner for the loans - they denied his request citing he did not meet the requirements but they would never disclose what the requirements were not met. After the interest only two year period was up the monthly amount due doubled. We made several request to Navient to lower the payment to something management that my step son could afford to pay each month with undue hardship. Navient took income statements from both of us on more than one occassion and then declined to lower the payment again. My step son and his father stopped making payments which forced me to liquidated assets and take on a part time job to keep up with the high monthly payment. My step sons mother and I made sure the payments were made on time each month for 2 consecutive years as required to release a cosigner. My step son submitted a request to lower the payment and have me released as the cosigner again and that request was denied again. I lost my part time job and could no longer afford the monthly payment. Navient refused to work with me to make an affordable monthly payment arrangement I fell behind and XXXX of the XXXX loans is now in default. As the cosigner I was investested in ensuring the loans were paid on time each month to protect my credit. Navient demanded an unaffordable loan payment each month, I advised them of my financial situation yet they were unwilling to work with me on any level. They began calling me daily sometimes up to 7 times a day demanding payment and threading to sue me. Navient used deceptive practices by denying us an income based repayment plan. Now XXXX of the loans is in default the other is on its way and my credit is ruined.

Company response to consumer: Closed with explanation