milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been with  XXXX   XXXX    XXXX   XXXX   since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept Best Buy and   XXXX    XXXX . Best buy shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX   still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.

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 05-10-2016 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me from different phone numbers about 12 times per day

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I informed ( via phone ) Stearns Lending Co. that they had incorrectly recorded my mortgage insurance premiums on my XXXX on XXXX/XXXX/2016. I was told to send an email to XXXXXXXXXXXX. I did so on XXXX/XXXX/2016 and received an acknowledgment that my email was received and that my issue was being managed. As of XXXX/XXXX/2016, the form still was not corrected, so I emailed again. As of XXXX/XXXX/2016, the form was still not corrected, so I called and the agent told me a supervisor would call me in 48 hours. I emailed again that day, as well. I never heard from a supervisor at Stearns. As of XXXX/XXXX/2016, I sent multiple emails and called. I was transferred to a supervisor 's voicemail who never returned my phone call. As of today XXXX/XXXX/2016, the form is still not corrected. I have emailed yesterday and today. I do n't know what to do at this point since no one from Stearns will correct the form, even though the representatives that I have spoken to on the phone have acknowledged that the form is wrong per their records ( but it 's another department that corrects XXXX forms ).

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 08/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 there were a number of fraudulent ATM withdrawals made from my account. A police report was filed. I disputed the charges with the bank but after asking for no paperwork or documentation they rejected the claim and now my account has a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I feel that they were steered into forbearance for the first two years of loan. Then I apply for an income-driven repayment plan and I have been paying now for 5 years and loan has n't gone down at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with DISCOVER BANK (FL).
Issue: Other

Complaint: I have received a XXXX for XX/XX/XXXX from discover Bank I do not recall getting any mail from Discover Bank, that dates back to XXXX, statute of limitation is 5 years in the state of Florida, is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: THE FCRA asserts my right to fair, accurate and complete reporting of information by EXPERIAN and their furnishers.EXPERIAN TODAY THROUGH CLEAR AND CONVINCING EVIDENCE ATTATCHED HERE, INTENTIONALLY AND KNOWINGLY WILL NOT FOLLOW THE REQUIREMENTS OF FCRA REPORTING REGARDING ACCURATE AND COMPLETE REPORTING. 
The first XXXX XXXX account,XXXX is attatched.The report today does not include a DOFD, date of first delinquency ... .experian 's fall-off date is inaccurate and only an estimate of a DOFD ... THE DOFD EXISTED ON XXXX XXXX ( XXXX XXXX REPORT ATTATCHED ) ... IT HAS BEEN REMOVED IN THE ABOVE INVESTIGATION I HAVE ATTATCHED THE VIOLATION STATUTES REGARDING THE DOFD. 
I HAVE ATTATCHED A LETTER FROM XXXX ASKING FOR SPECIFICITY IN CREDIT INVESTIGATION ... .I HAVE DONE SO.

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

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 12-04-2016 about Debt collection (Credit card) with Hunter Warfield, Inc. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: COLLECTOR FAILED TO ADHERE TO CEASE AND DESIST AND DO N'T CALL ORDER AND KEPT CALLING ALL OTHER PARRTIES. THIS IS A CORPORATE DEBT AND SHOULD REFLECT COMPANY INFO. THIS CO IN VIOLATION OF XXXX, FCRA. FDCPA AND DECEPTIVE COLLECTION PRACTICES.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have never received any documentation or any type of response from XXXX XXXX XXXX. I have no clue as to who this company is. I checked my credit report and sawthat they were trying to collect a debt from XXXX in the amount of {$320.00}. I have never received anything from XXXX and I previous was disputing that matter. The account for XXXX XXXX shows that it was open on XXXX XXXX, 2017. As of today, I have received no correspondence from them.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax willfully mishandled my personal credit information by employing extremely substandard secruity measures leading to a massive breach of personal data in XXXX XXXX. This was done knowingly, as multiple Chief Executives of the company engaged in share dumping activity immediately prior to the leak becoming public.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Received a purchase / construction mortgage from Movement Mortgage in XXXX XXXX. That loan was for the property purchase ( $ XXXX ) and renovation funds of XXXX $ XXXX XXXX for a total loan amount of {$180000.00}. Contractor did n't start work until XXXX XXXX. Worked four weeks, was paid $ XXXX from construction fund. After receiving payment the contractor abandoned site. Found a replacement contractor. Movement Mortgage wo n't release any of the remaining construction funds to the new contractor or to me to pay the contractor. They wo n't even work with me to refinance the original loan for the new contractor 's contract price. The new price is higher than the original contractor 's price, since major damage was caused by that contractor and now has to be fixed under the new contractor contract. In the interim I am required to pay monthly principle and interest on the remaining construction funds they are holding and wo n't release toward any construction. This has created a complete STOP on renovations of our home and has created much over costs since we can not move into our house. Since Movement Mortgage wo n't do anything for us, we have found a local Bank that maybe able to payoff Movement and issue a new mortgage. Movement after too many requests, refuses to give me payoff amounts on my existing loan. They wo n't give me any actual numbers. They continue to refer me to my mortgage statement balance which includes the remaining $ XXXX construction funds that they are holding and wo n't release but demand that I pay monthly on. 
The attorney that I have hired to sue the first contractor, spoke to an attorney at Movement Mortgage who gave a reason for not doing anything for us was that they were afraid I was going to sue Movement Mortgage. As of this writing Movement mortgage wo n't return my calls or respond to me. I want to have this situation investigated as to the legal right of Movement Mortgage to keep funds and demand that I pay principle and interest on those funds. Also to refuse to submit proper payoff accounting of my loan so I can move forward with a fairer and more reasonable lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: There is a XXXX XXXX XXXX tax lien that I have been battling with XXXX and Equifax to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for Equifax and XXXX to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and XXXX wants it to be deleted after satisfaction, please compel these Bureau to delete the record. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with First Data Corporation (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: FirstData ( merchant processor for   XXXX   XXXX   ) allowed a customer to order my product and have it shipped to the billing address on record and keep my product and do a chargeback thus also taking my hard-earned money! I was told to supply a tracking #  XXXX -US USPS Overnight. Which I did. Now, I 'm told that I did n't provide tracking information and that I should fly out from California to Ohio if I wish to take this up with the customer directly. FirstData is saying that my proof of compliance with   XXXX   requested information is insufficient.
Desired Outcome : I want {$410.00} placed back into my account asap.
Thanks,   XXXX   XXXX  , Owner   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 04/20/2016 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Simms Associates, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On Experian report # XXXX for an account with XXXX XXXX acct # XXXX in the Status section XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. My complaint with XXXX XXXX is on XX/XX/XXXX they mailed me a letter confirming that my account has been settled in full and that is what should be in the status section. From my understanding there should not any amount which they have collected or not collected.

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Accelerated Receivables Management, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX year old widow of a military veteran in XXXX, FL. A company called Accelerated Receivables Management, XXXX XXXX XXXX, http : //www.cuttingedgecollections.com/ has been calling and leaving threatening messages on my answering machine. They want the attorney for my deceased husband, XXXX XXXX, to contact them. When my daughter called them from her place of business to find out the reason for their call, they told her that XXXX XXXX XXXX is suing my deceased husband, XXXX XXXX for an unpaid debt in XX/XX/XXXX. She tried to explain that my husband died XX/XX/XXXX and we do not use XXXX XXXX XXXX - they must have the wrong information. The agent for Accelerated Receivables Management, XXXX XXXX, threatened my daughter by telling her he was going to serve her papers at her place of work and take her to court. My daughter reported them to the XXXX, State Attorney 's office and sent an e-mail asking for a Validation Notice because we do n't even know how much they are trying to collect. Is n't there something wrong with harassing me and my daughter for a debt we do not owe - especially with nothing in writing from them regarding the amount, date of service, etc.? They should be stopped from exerting such high pressure tactics to try and scare me and my daughter into paying a debt we never heard of.

Company response to consumer: Untimely response
Consumer complaint received 12/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On Tuesday, XXXX XXXX I called this debt collection company that goes by the name of XXXX XXXX XXXX to ask why I got letter saying they were going to sue me. They were demanding a debt more than what I owe and trying to get me to pay more than what I could afford to pay for. The full amount they wanted me to pay was {$1700.00} nothing I 've ever spent. Then they tried to get me to pay XXXX or XXXX. Then XXXX. This was all discussed over the phone number they provided on the letter they mailed to me. I think this was the first letter they 've ever sent me. I do n't remember them ever contacting me although on this letter they claim to have made several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: To : Whom It May Concern, I had gotten behind with my mortgage payment and soon begin to face foreclosure. In the process of all of that I received a postcard in the mail from a Law firm named XXXX XXXX XXXX XXXX XXXX that specializes in helping people like me keep their home without filing for bankruptcy. I contacted them and I spoke with a lady named XXXX XXXX and she advised me that her company can help me out. She stated to me that the fee for helping me get a loan modification with Wells Home Mortgage was XXXX and I had to pay it in XXXX installments which was XXXX XXXX, XXXX XXXX and XXXX XXXX which I paid faithfully each month. Mind you I had to filed a chapter XXXX in XXXX which I though was strange because she stated without filing bankruptcy. She sent over documents for me to signed and date for loan modification and I did all of that. It was in XXXX when I was informed that I was facing foreclosure on XXXX XXXX, 2017 and she still was telling me that I was not going to lost my house. Well, my house was sold to a third party on that day this is the day she wanted me to go back down to court house and filed another XXXX and I refused to do so. She was going to called Wells Fargo to see if they would stop the sale but they did not. I have not heard from this lady again. She has not returned any of my phones calls, emails, texts or anything. I went down to the home office and found out that she works from home and she is a part of the company and works under Attorney XXXX XXXX to get clients and they were going to look into it and I have not heard from them as well. Now that my home as been sold and I have a few more days to move out. I am lost for words and I feel as thought this was a scam and I just want my money back so that I can move out and found a place for me and my daughter. This woman called me at least 5-10 times a day. This stress of this situation has caused me to be XXXX because I suffer from 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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax  Re :  unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX    XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: At one point, five years into my loan repayment under the PSLF, they suddenly changed my due date, which would 've required me to pay the loan twice in one month. Because I had the money taken directly out of my check, I did not realize this and ended up being put two months behind, thus kicking me out of the PSLF and I had to start from year one. 
Two years ago, I returned to school and was placed on forebearance. During the XXXX break, Navient advised the Dept of Education that I was no longer in school and I had to refill out forebearance paperwork, and also make two months worth of loan payments, with Navient saying I had already applied for two of three forebearances I 'm entitled to. The Dept of Education confirmed that Navient advised I had stopped attending school, even though my FASFA was current, and University XXXX showed me as a full time student.

Company response to consumer: Closed with explanation