milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently purchased a vehicle for myself to get to work and take my daily commutes. The person I co-signed with is insured and I was authorized to drive the vehicle but we really want to get my own insurance on the vehicle. On XX/XX/18 I called multiple insurance companies and they all refused to get me insurance coverage because an error with LexisNexis ' reporting of my public record. When the companies look into it they clearly see that the accident and driving record reported on my public profile are not me. I even have a legal state document proving no accidents on my driving record for the last seven years. The individual has a totally different middle and last name and lives in a totally different state. When calling LexisNexis there is a completed automated system and no way to converse with a person quickly. I can not refute this issue without my full report that must be mailed to me and I can not drive without car insurance. This is ridiculous that someone with a totally different name has somehow been mixed up with my profile. It's making my life a little XXXX   at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a collection account appearing on my credit reports from Convergent Outsourcing. It shows that this is for a XXXX account but I have not used XXXX for any services in over 5 years. Convergent Outsourcing keeps updating the date on my credit report so they can try to show this debt is more recent than it is and avoid my state 's statute of limitation laws in accordance with debt collecting. This is not accurate credit reporting and despite my attempts to dispute this with the credit bureaus, this has not been resolved.

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 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Paid in full Amt due per attached check. Credit report still reflecting balance due and derogatory credit score which I have disputed over and over while they drug out their investigation that my credit union reported they input info wrong electronically causing a bank certified not personal check sent by my bank officer in XX/XX/XXXX to bounce. The amount of the bank certified ck due {$350.00} in XX/XX/XXXXto pay in full account ending XXXX not XXXX as they have on credit report. CIti is very unorganized which is why I closed my acct in XX/XX/XXXX and asked for payoff. I will never use them again. The rest of my credit report is stellar. Giving these crooks this kind of power is absurd and unamerican.

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 02/17/2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a charged off debt - I am homeless and go online at the library, see this debt collector is reporting this old charged off debt on my credit still homeless with XXXX child, this debt collector keeps sending letters to a place I do not live - please advise if this is not fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Creditor Contact DetailsXXXX XXXX, WIXXXX ( XXXX ) XXXX purchased an item at XXXX, My credit limit is {$100.00}, I told the cashier that, I told her I would pay the remaining balance that exceeding {$100.00} in cash. I did that. When I got the bill it was {$110.00}, which I paid in full before the due date. Now I find it lowered my credit score to no fault of my own. 

Please fix the error, as I am looking at purchasing a home soon. 

thank you. 

XXXX XXXX XXXXPayment HistoryXX/XX/XXXX OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OK2011 OK OK OK OK OK OK OK

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The creditor Midland Funding LLC hired XXXX XXXX XXXX XXXX over some debt they say they brought from someone. They went in front of a judge and got a court ordered payment. I 'm not sure what the debt is or if it 's the correct amount. I was working a part time job of maybe 15 hours a week barely making rent. I could n't afford an attorney and was n't sure how to even fight back. I finally got another job, better pay with the city of XXXX. They then got a garnishment. I saved up the money I could and quickly paid the amount plus a little extra at their behest of a release. I 'm not even sure if anything can be done but I wanted to let someone know. I do n't know Midland Funding LLC and I 'm not sure how I even ended up owing them when I 've never had any type of dealings with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: My wife, XXXX XXXX was unable to work as of XX/XX/XXXX as she was declared XXXX by Social Security and received an award letter. In XX/XX/XXXX we contacted our mortgage company to apply for mortgage assistance which the mortgage company played games having us fax and re-fax bank statements, proof of income and my wifes award letter from Social Security. We were asked to keep resend this information for least three months. After the third month we received a letter of denial for any assistance from our mortgage company. At that time we chose to sell off some of our possessions and ask our family members to help us save our home, but we continued to pay our mortgage. In XX/XX/XXXX we received a letter from our mortgage company saying that we our mortgage was going up because our county taxes went up and for two years we failed to pay escrow. This was a fairly new mortgage company as our mortgage was sold in XXXX and we never had a problem with the old company. We checked and our state and county taxes are the same. In fact the new mortgage company sent us a check for escrow over payment. Now when I send the monthly payment it says payment for unapplied finds, mortgage went from XXXX to XXXX a difference of over XXXX without any REAL reason.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Carter-Young, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Company " Carter -Young INC '' is listed on my XXXX report under collection but is reflecting closed as of XX/XX/2014 reporting XXXX balance. Please remove this item as this is not reporting correctly and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!  XXXX  REFUSES to correct the error!!!!

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 06/14/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Delinquent account

Complaint: I paid my XXXX credit card ( {$90.00} balance ) in full or so I thought. The card was one day late and was charged a late fee. I did n't realize that I had incurred the late fee therefore did n't think I was carrying a balance. I do n't recall seeing the statement last the credit card statement either? 

I used the card again in XXXX and when I went to pay the bill off in full again, I realized I had a past due + 30 day balance. I am in the mortgage industry and realized the impact this ONE LATE PAYMENT BECAUSE I WAS ONE DAY LATE now has dropped my credit XXXX points and the cost of credit I pay increases because i was 1 day late on a {$90.00} balance. And I pay this Target card in full overtime! 

I reached out to XXXX and the person I spoke with indicated they would open an investigation and realized that I was one day late and have a great pay history etc. I received a letter stating the investigation was complete and they found out they found I was late. 

While I realize I was, I feel that this impact it has on my credit and financial history is extreme for a 1 day late credit card when I the consumer thought the card was paid in full. I would have paid any amount due then have my credit affected the way it has. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax and XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Equifax have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Non-federal student loan) with Dream Center Education Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt to The Art Institute of XXXX was PAID off by a Student Loan Forgiveness program and it is in the XXXX as PAIN IN FULL. HOWEVER, the school has fabricated a {$6000.00} debt for me, stating all types of erroneous damages and they are HOLDING MY TRANSCRIPT which is PREVENTING ME FROM transferring to obtain my XXXX XXXX. Not only that, The Art Institute has SOLD my account to a collection agancy and then the collection agency gave it BACK. They are claiming I left damages to an apartmentXXXX, in which there are NO PICTURES, NO PROOF and there were XXXX students living in that apartment WITH ME. I have attempted to work out a payment plan with The Art Institute but I work for a consumer advocacy firm and I am NOT PAYING an INVALID debt!!!! Please investigate this matter as they are HOLDING my TRANSCRIPT and causing me to have HOLDS in registering for XXXX XXXX XXXX XXXX XXXX. I am XXXX class away from my XXXX in XXXX XXXX. I have a copy of the XXXX sent in by a XXXX XXXX, who was on the ORIGINAL STAFF when I attended The Art Institute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX MISSED payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX pm central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have dispute XXXX XXXX XXXX accounts on my credit report XXXX times, twice via online, and twice via mail. Each time I have submitted a receipt from the creditor showing that the accounts are paid in full and are to be removed from my reported. Transunion continues to say that the accounts are active collections despite documentation.

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 02/26/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: I have an business account with suntrust, and i rarely use it due to the problems that always occur when i do. i am XXXX, and i was checking on my account and was shocked when i saw a negative XXXX charge. i learned from recent situations that i should call suntrust due to its incorrect online balances, so i did and each time i would call i was told that the computers were down, and i would have to call back in 2-3 hours. that would be XXXX my time, and i wasnt willing to stay up that late. i finally get a hold of them on XX/XX/XXXX and was told that my account went over XXXX dollars, and so i was charged XXXX dollars in overdraft fees! that charge absolutely shocked me. i spoke to several supervisors, and stated that this charge was unnecessary, and i was told that due to previous courtesy credits they could not provide me with another one. most of the previous credits, as i explained to these supervisors were also due to bank errors. she said that they were still considered courtesy credits, and that i would have to pay the XXXX in overdraft fees. all the representatives i spoke to seemed uninterested, and unwilling to help me. by the end of the call i simply stated that i would not be paying this fee because it was unnecessary, and the supervisors reply was i will notate the account! I honestly never use this account, due to problems i had with them before, but i was forced to due to some checks. All i want from suntrust is to take the fees off, so i can pay the XXXX i owe, and close this account. this bank is by far the worst bank i have ever worked with, and i have several accounts with banks much smaller than suntrust.

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 02-03-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Other

Complaint: When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty. 

I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty. 

I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone. 

This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles. 

Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers. 

I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I feel no one is listening to me at Honda Financial. Yes, i did fall behind my payments. Honda FinanciaXXXX next move was to block my ability to make electronic payment. It must be closed to a decade since i stopped making payments by snail mail. There is a high fee that customer service charge when you try to make a telephone payment. During the month of XX/XX/XXXX my county ( XXXX county Florida ) was declared a federal disaster zone. The rep from Honda financial stated in a rude way that everyone in Florida is trying to use the Hurricane Irma disaster as an excuse not to pay their bill. Yes, the Hurricane caused me Hardship. It destroyed part of my house a large tree, and spent week without electricity. Also, i was unable to work. I want to resolve this problem. I want to pay my bill electronically on the honda Financial website. If i have to call to make a phone payment I dont want to pay a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (DC).
Issue: Struggling to pay mortgage

Complaint: After 35 years of employment, my job was lost I filed chapter XXXX repayment plan and the mortgage company only reduced my mortgage {$27.00} monthly after giving my part time salary and the repayment which is XXXX monthly. They refuse to offer me nothing but foreclosure. I have lived in my house for 15 years and asking for temporary assistance and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked my credit today and discovered that there is a  Capio    Partners  collection that was just reported to my credit. It seems they are asking for {$610.00} and the account number is "  XXXX  ''.     I did not receive any notice with a right to dispute before this was reported to my credit.     This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money.     I 've done some research online and this company has been involved in several scam stories for many consumers. As a matter of fact, there is a 100 % negative review rating on the    Better Business Bureau! Considering their history, I am not about to reach to this suspicious company when I do  n't even know what this debt is for.     They need to explain who they are and why they want me to pay them {$610.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX    XXXX    XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B  and 623 ( a ) (  6  ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief