milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I PREVIOUSLY DISPUTED TRANSUNIONS DELETING XXXX CLOSED POSITIVE ACCOUNTS .UNDER THE FCRA THEIR ACTIONS ARE SUPPOSED TO BE REASONABLE RESULTS OF INVESTIGATIONS.IT IS NOT REASONABLE THAT I WOULD BE DISPUTING MY CLOSED PODITIVE ACCOUNTS.I CAN NOT CONTACT THOSE CREDITORS BECAUSE THEY WERE DISCHARGED IN THE BANKRUPTCY AND THEY DO NOT REPORT ON THE CLOSED ACCOUNTS, BUT THEY HAVE NO PROBLEM REPORTING ON THE NEGATIVE ONES.I SPOKE TO SOMEONE AT EXPERIAN AND SHE TOLD ME SHE DELETED THE ACCOUNTS BECAUSE THEY ALL HAD THE SAME ACCOUNT NUMBERS AND SHE DID NOT KNOW WHICH ONE WAS IN DISPUTE SO SHE ASKED THE CREDITOR DAYMET CREDIT UNION AND THEY SAID TO DELETE XXXX ACCOUNTS BEFORE THEIR EXPIRATION DATE.I ALSO DID NOT DISPUTE MY CBNA ACCOUNT BUT THEY DELETED IT ANY WAY.I AGAIN DISPUTE THAT IT IS AN UNREASONABLE ACTION FOR THEM TO DELETE CLOSED POSITIVE INFORMATION.UNDER THE FCRA I AM ENTITLED TO A FAIR AND ACCURATE REPORT.HOW CAN IT BE ACCURATE IF THEY DELETE INFORMATION FROM IT.I HAVE DISPUTED BEFORE AND DAYMET IS IN VIOLATION BECAUSE THEY HAD 5 DAYS TO INFORM ME OF THE DISPUTE AND I NEVER RECEIVED ANYTHING FROM THEM.THEY WANT TO HIDE BEHIND MY BANKRUPTCY DISCHARGE BUT IGNORE IT WHEN DELETING MY ACCOUNTS AND REPORTING LATE PAYMENTS DURING A CHAPTER XXXX.I HAVE DISPUTED WITH BOTH ENTITIES AND THEY HAVE VERIFIED INACCURATE INFORMATION. THEY DELETED THE FOLLOWING ACCOUNTS ENDING WITH XXXX, BEGINNING WITH XXXX, NO ACCOUNT NUMBER BUT A LINE OF CREDIT WITHA STATUS DATE OF XX/XX/XXXX.ALL POSITIVE ACCOUNTS BEFORE THE 10 YEAR REPORTING DATE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I am a victim of identity theft. Someone called American Express to cancel my American Express credit card account : XXXX. I never called American Express to have my account cancelled. Some of the transactions on my American Express credit card account are fraudulent and unauthorized, not all of the transactions are fraudulent and unauthorized on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afni, Inc. has placed an account that is unknown to me on my credit report. I filed on online dispute with XXXX on XXXX XXXX, XXXX however, the account is still updating and reported as 90 days late as of XXXX XXXX, XXXX. In the dispute I asked Afini to validate this debt, they are still illegally updating after I asked for validiation. Afni is illegally reporting this account to the credit bureaus and my creditors. First of all, the account is reporting a " One Month Term. '' What terms and agreements did I sign and agree to when Afni debt collector purchased the debt? None. 
The account is reporting as " 3 months late ''. How can this be? Collection accounts are not like original creditor accounts. Consumers do not open an account with a collection agency and promise to pay monthly payments. Afeni is NOT reporting the last status from the original creditor and they can not update lates on a monthly basis. 
The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, " ... A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' This account is showing a XXXX XXXX reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled an account with XXXX and they are reporting late payments after settlement negotiation and received payment. I have directly called and faxed XXXX and they are stating information is correct. I attempted to contact them multiple other times to keep disputing with all XXXX credit reporting agencies. This company can not report late payments on a settled paid account!!!! Primarily reporting wrong information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened a credit card with Discover bank in XXXX. Up until late XXXX, I was a great customer and never late on my payments. In late XXXX, I became XXXX and endured a very complicated XXXX. During that time up until late fall of XXXX, I was unable work and I did not have any income. This resulted in my becoming delinquent on my payments. I regained employment in XXXX, and in XXXX XXXX I spoke with Discover and settled the balance owed. The terms of the settlement included that I would pay 1 lump sum payment and Discover would update the account to the status as paid in full or delete the account from my credit in its entirety. I specifically requested for the account to not have the coding of settled and that all negative reporting be deleted, so that my credit can be restored at maximum opportunity. I have been going back and forth with Discover for 2months and I have not received any responses. Additionally, the account still reflects a charge off balance and shows settled. This is not what we agreed upon. I feel as if Discover has taken advantage of me. I paid what they asked for me to pay and they completely disregarded the agreement that we had in terms of settling the account. 
I want this account either deleted or update as paid in full with all negative reporting removed. Also, I want those phone conversations reviewed, because I am most certain that they agreed to the terms that I have stated. I have also attached proof of where my account is still referencing charge off and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: they debt collector called me after XXXX. When i asked for my acct information such as amount and account number he kept avoiding answering a trying to humiliate me. He kept trying to put words in my mouth and all I was trying to do was get the information so I could work on paying off my debt but he kept refusing to give me the information until i threatened to end the phone call. He finally gave me the acct number but again kept trying to trip me up by putting words in my mouth. He was extremely rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX Monarch Recovery Management called my mom 's phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This is one of many complaints that I have had to write about Sallie Mae. After refusing to help me with my monthly payments they have decided now to blackmail me with the credit bureaus by claiming that I am past due on my payments when actually I have been making payments to the accounts. I pay what I can but they want me to {$450.00} which I can not afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Mortgage (FHA mortgage) with TIAA, FSB (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Loan included in Chapter XXXX bankruptcy. Servicer failed to calculate escrow correctly and wanted to change final order after Bk confirmed. Paid agreed upon payment. Servicer would not distribute escrow over XXXX year period per hardship and refused to accept agreed on payments. Would not allow a modification. Escalated to attorney referral and late fees. Contacted Attorney prior to Lis Pendis and requested payoff. Attorney delayed payoff until Lis pendis filed to include attorney fees and proposed fees. Requested adjusted fees stated they had to contact the servicer for the adjusted payoff. Finally received payoff with only XXXX in fees adjusted and no response to request for modification. Servicer modification team operates XXXX to XXXX est. only..

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This agency still has my wife 's account listed on my credit file. Enough is enough XXXX states they verified through Chase this account belongs to me which is FALSE information and has hurt my credit rating. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (IL).
Issue: Problems when you are unable to pay

Complaint: Collector continues to call me at my workplace despite telling them XXXX times that I can not be contacted there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Ocwen as a servicer for XXXX XXXX XXXX XXXX XXXX is illegally and fraudulently foreclosing on my property using a XXXX assignment as nominee and assignee for XXXX dated 5 months after XXXX failed and the XXXX member relationship as well as nominee status ended. I have all documents from public records that proof my claims and a very detailed report written by me with attached documents. I am also aware and have it from the federal courts where OCWEN and XXXX were doing the exact same thing using the same ammo to another home owner. The federal court proceeded to rule the documents presented by Ocwen and XXXX void ruling in favor of the home owner See XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, XXXX  Texas 2015 - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: This is a complaint against Nationstar Mortgage. I am a bankruptcy attorney and often represent clients in Chapter XXXX bankruptcies. Nationstar is constantly sending notices like the attached directly to my office even though they are given directions and provided authority to send these notices directly to the client. Despite these authorizations, Nationstar consistently tells their customers that they " ca n't talk to them '' about their own mortgage simply because they have an attorney representing them in their bankruptcy case ... despite the fact we have given them specific permission to deal directly with the client on these matters. However, what 's worse is that typically the notices they send have our office 's name on them and GIVE NO INFORMATION CONCERNING THE CUSTOMER THEY ARE ADDRESSING THIS TO. Note on the attached Notice that they address it to myself, the attorney, but nowhere indicate who the client is or even what the account number is. The notice is worthless as I ca n't even forward it since I have NO IDEA what customer this pertains to. Then, they send this worthless Notice by UPS, signature required. When I speak to their office, I get representatives who do n't know what their talking about, ca n't answer questions and then often tell my office that they ca n't deal with me, they can only DEAL DIRECTLY with the customer ( after they 've already told the customer that they CA N'T TALK TO THEM ). This company needs to go out of business.

Company response to consumer: Closed
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Settlement process and costs

Complaint: I completed paperwork to finalize a deed in lieu with Select Portfolio Servicing XX/XX/2016. regarding the property located at XXXX XXXX XXXX , XXXX Georgia XXXX. I requested a copy of the deed in lieu documents I signed XX/XX/XXXX and was told by XXXX XXXX of XXXX ( the third party used by Select Portfolio ) that I could not have a copy but I could take a picture of the documents. I then requested a copy of my signed deed in lieu documents from S.P.S but never received them. Instead, I was told that I will receive a copy of them after everything is completed. I am still waiting on the final walk through of the property. Select Portfolio said an inspector came by the property and and deemed some one was living in it. In the past, I had people to oversee and watch out for the property to keep it from being vandalized. I have removed any and all security measures as having a parked car in the driveway and a sign on the fence to give the appearance that some one is living there. I will not be responsible for any damage to this property. I still had to have some one come around to maintain the yard etc. If not, I will receive a fine from the county. This puts me in a slight dilema because S.P.S said no one should be in or around the property. If the person is there to cut the grass, pick up trash or perform a safety check is that allowed? The final walk through needs to be done ASAP because the XXXX lien approval expires XX/XX/2016. This will be the 3rd time the XXXX lien approval has expired. I have requested the name of the 3rd party company who will contact me for the final walk through. Today I was told that I do not need to be contacted or present for the final walk through. ( by XXXX XXXX ext XXXX. Which one is correct? Will I or will I not be contacted regarding a final walk through?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for this card on XXXX/2017 and the bonus was {$500.00} on {$4500.00} purchase within 3 months. The first month I spent {$3500.00}, but Capital One decided to restrict my account WITHOUT warning. They also, never disclose to me that the 3 months to earn it is still going on. 

Eventually I figured out what was happening, and they unfroze my account but then randomly they restricted it again when I tried to make another purchase. So after sending in the appropriate documentation they never unrestricted my account as they state they never received the documentation despite evidence of it being done. Then they would state that we sent them the wrong documentation and at the end of the day the customer service was not there to help me, but after 2 months they figured it was me.. 

After my account got unrestricted it was PAST the 3 months, and I called in stating that I completed my {$4500.00} when will I get the bonus, but they said it is not possible. All of this hassle is ridiculous and I need your help in claiming my signup bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received call from XXXX advising they were Calvary Portfolio calling on a personal matter. I researched and found they were debt collectors, I called back. They said it was a personal matter when I asked if they were debt collectors. I advised that pursuant to the debt collection laws I requested that contact in future be in writing, they again advised was personal matter. I spoke with agent XXXX at ext XXXX and then the floor supervisor XXXX, that was the names they provided. They have been put on notice and still fought me on calling back to discuss the matter. I feel they are using " personal matter '' as a way of hiding their true nature and an attempt to get around the fair debt collection act laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX I returned 3 XXXX to XXXX XXXX XXXX ... phone were lost.I contested with them.they sent to collections at XXXX XXXX XXXXI requested in within 30days for proof of debtXXXX did NOT reply and I got a new notice from collection company # 2 XXXX XXXX XXXX.I send a Cert.letter within 30 days for verification of debt=NO REPY.Then I get a new letter from collection company # 3 Diversified Consultants.I sent Cert.letter for within 30 days and again n response.I feel helpless to remove this wrongful debt.The companies just keep as on my debt.Diversified Consultants XXXX XXXX XXXX XXXX  MI XXXX is the last contact with my debt on XXXX17. HOW TO FIX???

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Between XXXX XXXX2017 and XXXX XXXX2017 Equifax removed XXXX XXXX XXXX collection account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXXXXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I just got out of the XXXX XXXX XXXX 2 months ago had no idea about taxes i owed to XXXX. XXXX tax sold my debt to a debt collector ( Premiere Credit of North America LLC ) I have mad multiple attempts to pay this dept with this company I have called multiple times and left a message. This dept have resulted in interested being added and having a warrant out for me as well a tax lien. I have the funds to pay but can not make contact this is unprofessional for a debt company and each day that passes more interest is added. I am trying to pay and this has had major impact on my credit.

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 02-07-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Settlement process and costs

Complaint: My fiance and I are in the process of closing on a XXXX bedroom XXXX in XXXX, NY. After doing our research, we chose Citibank due to the closing cost assistance program they offer to first-time home buyers. Since starting the process in XXXX ( 6 months ago ) we have received very poor customer service. Our first representative ( we are currently working with a 3rd set of representatives ) would n't email us in a timely matter, sometimes going weeks at a time without a reply. Since we needed to submit an application to the XXXX board for approval, his delay caused us to miss our first XXXX deadline, potentially having us loose the bid on the property. Since XXXX, we have had multiple errors on our file including address, identifying information, misspelled names, etc. We are now having trouble receiving information regarding our mortgage lock, interest rates and a date to close.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it while doing other things online.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have been dealing with XXXX XXXX regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted XXXX XXXX and spoke with reps on more than XXXX occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.

Company response to consumer: Closed with explanation