milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 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: Information belongs to someone else

Complaint: The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2016 about Debt collection (I do not know) with The CMI Group, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Billing disputes

Complaint: I had a balance of {$700.00} and made a payment of {$200.00} bring me a balance of {$590.00}? Being I do not use the card I was skeptic. I filled a online dispute with American Express. The only complaint I could make, XXXX Billing dispute ) was that I did not make this payment. I realized this was the wrong dispute being I did make the payment and contacted customer service right away. I was explained the details of the {$590.00} and excepted the explanation. I asked to have the online dispute closed and was told that the online dispute was closed. However, my balance is now {$790.00} and I do not use the card. I called American Express for help and was told that {$200.00} was being sent to my checking account without my consent and was being charged {$200.00}. I contacted my checking account and no money has been received from American Express. American Express says it will take 7days for the money to show up in my checking account. What STRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was a struggling XXXX who wanted ro do the right things towards my loans. I uderstood that I took the loan and must now repay it. Nonetheless, XXXX XXXX, now Navient, has made that quite difficult to do by refusing to work with me in any way for a better repayment plan. I have tried everything from trying to change my payment date to trying to lowere the interest and they wo n't budge on anything stating that because I have a Private Loan, there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am trying to have a dispute I placed removed because I no longer dispute the debt after receiving information they provided. They refuse to do so and it is affecting my credit. The communication I have with the individual handling the case is is rude and she intentionally tries to provoke me and informs that I do n't have the right to have it removed and they will report it now as part of my permanent record. lI have set up a payment plan and still she will not remove the dispute comment on my credit report. I have called and sent written notice. I asked to speak with her supervisor and was told there is no one higher. when I explained I was trying to get a loan as well she said awww. She attempts to provoke me to anger and tells me that they have to report things as they occur. I said that it follows then that they have to report that I am no longer disputing it. She said no they do n't. I am fed up and frustrated. They are holding back my credit by doing this and from her comments they do it on purpose. And seem to enjoy it. The worst part is that it is a debt my son incurred but I signed as a guarentor of payment. He never moved into the apartment because he was pulled away by the XXXX XXXX XXXX for training. He paid some rent and could n't pay the rest so it has gone to these people for collection. He never lived in these apartments. I understand I still have to pay the debt and am attempting to do so but for this woman to be unwilling to remove the dispute comments from my credit and to antagonize me over the phone like this is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Credit card) with Fenton & McGarvey Law Firm, P.S.C. (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Was sued by a debt collector on behalf of XXXX Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of XXXX record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with XXXX and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting letters from XXXX XXXX XXXX for debts that ARE NOT mine. How do I get them to stop harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This file was cleared in a bankruptcy and it is still showing as a judgment with an open 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 explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America states they do n't have the requested information ; however, Bank of America was the primary and master servicer this of loan from XX/XX/XXXX until XX/XX/XXXX. Bank of America transferred the primary servicing rights to XXXX on XX/XX/XXXX. As the master servicer Bank of America should have the requested documents in it 's possession.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Following the loss of my wife 's job in XXXX XXXX and failure of XXXX to renew the Federal Emergency Unemployment Act for XXXX, my wife and I applied for a modification on the mortgage of our single family residence in XXXX, MO in XXXX XXXX ( see hardship explanation attached ). Our servicer, Seterus, Inc. accepted us for a trial modification which we completed in the latter half of XXXX having made all payments within the stipulated timeframes. The first month we were due to start our permanent modification we noticed we could n't make payments online because Seterus portal referred to our modification as " Reviewing for Completeness '' and would n't let us progress to our mortgage account page. Upon calling customer service on XXXX occasions in late XXXX, we were advised since we paid XXXX of our trial payments in XXXX instalments that Seterus ' automated system had not processed our mortgage as permanently modified and our paperwork was required to be reviewed manually. We were told this explained the " Reviewing for Completeness '' dialog on the website ( screen grab attached ). We were told not to send any more payments as they would be held in a suspense account or returned to us and that the best way to proceed was, in the agent 's own words, to " jump start '' our modification by reapplying for another XXXX. We were told we were still subject to foreclosure at any time. Following this call, my wife and I decided it was not in our best interest to get caught in a cycle of applying and applying and we decided to wait on the outcome of the review of our original documentation. For the rest of XXXX and all of XXXX we received no further written correspondence in relation to our modification and Seterus website was unchanged displaying a dialog that our modification was still " Reviewing for Completeness '' and so in XXXX XXXX we sent them a fax requesting an update on the status of our modification, or completion of the modification, both within 30 days ( copy of fax and confirmation of receipt by Seterus FROM Seterus attached ). To date we have still not received any written correspondence from them except our monthly statement for XXXX showing 683 days past due in the amount of {$16000.00} including fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A XXXX XXXX charge was fraudulently made against my credit card by an unknown third party and the merchandise was erroneously delivered to my address. I contacted XXXX XXXX in XX/XX/XXXX and was told that they would make arrangements for me to return the merchandise via XXXX and that someone would contact me. They provided me with case # XXXX. The next contact I received was a letter from the collection agency about which I am complaining. I contacted XXXX XXXX again and was told that they would not make arrangements for XXXX to return their merchandise to them and that I would have to return the merchandise to a XXXX XXXX store. I returned the merchandise on XX/XX/XXXX  to XXXX XXXX store # XXXX and was issued receipt # XXXX. I advised the collection agency of this and requested that my record be cleared. They responded by insisting this is a valid debt of mine and they refused to contact XXXX XXXX to confirm that the merchandise had been returned to them. I have subsequently sent them proof that this is not my debt and that XXXX XXXX considers this issue to be resolved. I then sent six additional requests to the collection agency, none of which have even been acknowledged by the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with VNU Group, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX by Pacific Credit Group says I have a past due account with them. I never heard of them. The address they have for the alleged account on file is in XXXX, I live in another state. They never checked credit or reported to credit Bureau so there is nothing on my Credit Report or any alerts. I was a victim of the XXXX hack so US Gov pays for credit monitoring. Nothing in Credit monitoring. XXXX insists I give them my address, social, etc. which I declined to give in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Credit card debt) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX Credit Card {$600.00} Opened XXXX I 've currently submit an Identity Theft Report to the federal trade commission as well as disputed this account with the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information po report not mine

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the year XX/XX/XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XX/XX/XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XX/XX/XXXX the Department of Emigration and Naturalization granted me a XXXX XXXX to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Credit determination

Complaint: Applied for a US Bank Credit Card and declined despite me having a FICO SCORE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Money transfers (International money transfer) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/2016, at Navy Federal Credit Union ( NFCU ) 's branch located at XXXX XXXX XXXX, XXXX, VA XXXX, I submitted a request for XXXX bank wire transfer to a bank account in XXXX. I was told that it will take XXXX7 business day. It 's advertised on their website https : //www.navyfederal.orgXXXX. I 've been calling NFCU since XXXX/XXXX/2016 and I was being jerked around by them since then. On XXXX phone call dated XXXX/XXXX/2016, I was told by the representative that it 'll take XXXX8 business days. I told her it 's not true and requested to speak to her supervisorXXXX. He told me it 'll take XXXX4weeks. I replied that it 's ridiculous and they 're jerking me around. He promised to get back to me on the XXXX/XXXX/2016, XXXX that he will give me a call to update the status. He never called. Another XXXX XXXX called and claimed he was assigned to this case. NFCU is unable to locate the where about of my monies and claimed that they only let XXXX XXXX to handle the transactions. There 's no way to find out the status of the transfer, except to wait for their reply. I have n't heard from them this morning. I 'm upset with the entire incident as to how can a Credit Union 's only reply to their members on this incident as they had no idea where the monies are. I really hope the Bureau is able to assist me on this incident. Thanks for your time to read my email.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I spoke with an XXXX and XXXX XXXX and an operations manager who identified himself as XXXX XXXX, which is same voice and used different name? at Portfolio Recovery Associates. When I spoke to the representative I advised XXXX to not call me that I would like to place a verbal cease and desist and do not call me again. XXXX responded to me by telling me I have to send it in writing, he was extremely rude and condescending ( I have the call recordings in which I could prove it, plus they stated it is being recorded so they should be able to provide those recordings to me ) When I asked to speak with a supervisor I was transferred to XXXX XXXX who kept stating the same to me, was rude to me and terminated the call when I was not using profane language. I called back and that is when I asked to speak with a director and was transferred to XXXX. I kindly asked XXXX that I will like to not receive any calls and cease and desist my number and any other numbers listed, I verbally advised him to not call me he then stated I will need to submit that in writing other than that they will continue calling me. I asked if he would continue to harass me with calls after I requested to not call and manager responded yes collection calls will continue without Mini Miranda given. This representative/manager caused me to get extremely anxious and I am not having XXXX thanks to the rudeness and harassing condescending tone of these employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I experienced XXXX instances of check fraud that involved mail theft within the last two months. Both cases involved mailed payments from a local mailbox to different individuals. In both cases I contacted my bank ( i.e., Chase ) to file an " Affidavit of Unauthorized Endorsement or Altered Item '' and provided the necessary evidence of the altered checks. In essence, the alterations on XXXX checks are extremely obvious and there is a track record of payment to the individuals to back up the case. The resolution of the matter ( funds to be credited back to my account ) should be fairly routine and expeditious. The bank seems to have a protocol that allows for keeping the consumer in the dark for a prolonged period of time, and with no legitimate contact person that can directly respond to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Payday loan) with SOUTHERN MANAGEMENT CORP. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: they ( convington credit ) are not talking to me but contacting and harassing third parties not involved in this issue. certified mail threating tactics to my brother, who this does not involve.

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 02-03-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: I have a foreclosure sale date scheduled for XX/XX/2018. I had submitted my offer to the bank for a short sale. When i phoned my lender they stated that i can submit the offer if i want to, but they doubt if they will be able to review it in time to postpone the foreclosure sale. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal. A fair resolution to me, would be for the bank to consider my offer and accept it so that i can move forward with my life. I am stressed out and worried over being put out of my home, but i know that this is my situation and i am trying to bring it to a reasonable resolution.

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 11/27/2017 about Debt collection (Payday loan debt) with OLIPHANT FINANCIAL, LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted XXXX XXXX on multiple occasions to inform them of my hardship status. after 90 days of non payment, XXXX XXXX has forwarded the debt to 3rd party collection agency OLIPHANT FINANCIAL LLC. I received written notice from OLIPHANT FINANCIAL LLC dated XX/XX/XXXX requesting a response to the collection debt. I contacted OLIPHANT FINANCIAL on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize OPLIPHANT FINANCIAL LLC nor anyone representing OLIPANT FINANCIAL LLC to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by OLIPHANT FINANCIAL LLC in attempts to collect debt to be very unlawful. 
for the record this complaint is for OLIPHANT FINANCIAL LLC ( rep XXXX AT XXXX )

Company response to consumer: Closed with explanation