milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a 30 day late showing on my credit report for  XXXX   XXXX  for Experian from  XXXX   XXXX   XXXX   XXXX . I contacted  XXXX  about this issue because i was never late on a payment. I 've had this account for 7 years and never paid late.  XXXX  advised me that they dont even report to Experian, and havent since  XXXX   XXXX  I contacted Experian and demanded that the late be removed Immediately. All they did was open a dispute for me which is counter productive and time consuming. It should be removed immediately because it is an error on Experian 's part.  XXXX  says that they do n't know how Experian got that data, because they do n't use them to report. I am in the process of doing a refi, and need this to be removed ASAP.

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 11-08-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt was settled at lesser amount. Verbal agreed was made to remove debt once settlement payment was received. Collection agency refused to remove debt or report debt as settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (WA).
Issue: Struggling to pay mortgage

Complaint: I am completely disgusted on the lack of communication and attention this file has received. I called today to find out if the value is in as it was completed on XXXX XXXX per the listing agent and I was told by customer services there was just a note in the system as of XXXX XXXX about loan modification. The opt out for the loan mod was even confirmed received by and confirmed by Supervisor XXXX XXXX on XXXX XXXX and XXXX XXXX stated on XXXX XXXX the file was assigned a short sale negotiator. I have had ZERO communications for said negotiator and this file has experienced one delay after another and it is completely unacceptable. The offer and complete packet were submitted over 80 days ago and there has been zero progress. It takes 5 outgoing emails to XXXX XXXX to receive a one sentence vague response. There is no excuse for the level of service that this file has endured.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I received a notice from Sears XXXX XXXX XXXX stating that to avoid late charges to send my payment of {$280.00} for a service repair, according to them service order # XXXX XXXX, the invoice was dated XXXX/XXXX/16 and the account # is XXXX. 
I immediately called Sears to inquiry about this bill and to closed my credit card. After closing my credit card account I was told that my balance was {$0.00}, and that they did not send me that bill. 
I believe that this is scam because I called the telephone number on the statement XXXX and I could not get a real person ONLY a telephone message also they are asking me to send my credit card information to settle this bill. 
The address listed on the statement is : XXXX XXXX XXXX, XXXX, Texas XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Billing statement

Complaint: My wife has XXXX credit card accounts with capital one account # XXXX and # XXXX in XX/XX/2015 capital one posted XXXX payments to account ending inXXXX have contacted them about the error which subsequently generated late fees on account ending XXXX. which capital one said they were reversing but have seen no result of the impending reversal, and was not assured that any negative report to credit report would be corrected as a result of their internal error causing XXXX account to show late in their records. which also generates deragetory reporting on credit report. Want all subsequent late fees and negative reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Application, originator, mortgage broker

Complaint: Refinancing with Capital One Bank : In what was I thought was the final process Capital One requested I submit credit card information to obtain a {$200.00} non-refundable fee for what they call a XXXX Me Waiver. This waiver is suppose to be relevant to the XX/XX/XXXX-XX/XX/XXXX financials of the XXXX where I reside. This request from my understanding was from their Co-Op review board. I do understand that Co-Op property is handled differently than other properties, BUT, to have me submit a non -refundable fee and then being told that was no guarantee the loan would be approved after paying other fees such as {$170.00} for the management to complete a questionnaire, {$270.00} for lawyers to sign a Recognition and {$20.00} for the XXXX Amendment was very disturbing. Credit cost. I understand that. Contacted XXXX and they had no idea what I was speaking of ; XXXX of their representatives did extensive research and we spoke close to an hour ... end result, they never heard of such a waiver and felt that someone was trying to take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: Dear Trans Union : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX 2017. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute Trans Union has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX Illegal credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

Trans Union needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.

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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On Saturday XX/XX/2018, I received post card stating Transunion, XXXX and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been contacting XXXX for weeks now trying to get this one inquiry off my file that I have no knowledge about. I Pulled my XXXX credit report in XX/XX/XXXX. I contacted XXXX  immediately once I seen this unauthorized inquiry. XXXX forward me to the creditor ( Wells Fargo Auto ) but they are not providing me with proof that I made this inquire. Per XXXX they are not able to remove this inquiry. I advised them I never authorized this inquiry. I am asking for proof where I made this inquire. The XXXX rep said it will soon fall off my credit report which I feel as though its wrong to say because I did not make this inquiry. This inquiry is hurting me from acquiring new credit lines. The inquiry is WFB Auto ( XX/XX/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 08/27/2015 about Debt collection (Mortgage) with UNITED BUILT HOMES LLC (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XX/XX/2015, I returned a call that was left on my phone's voicemail to XXXX(XXXX) from United Bilt Homes Corp in XXXX LA. During this call, XXXX said we had missed our payment for XXXX. I informed XXXX, our due date was on XXXX and we had a 10 day grace period and we had up until the XXXX of the month.  He was quick to say no, that is when we will receive a late payment penalty. And then asked me how I would like for him, XXXX, to take away our home from us. I told him, we were still in our grace period and the payment should be there that day or the XXXX. And there was not legal right for him to say that statement when we were not in past due status. I ask if the Owner knew how he treats people unfairly and was told the owner back him 100% and hung up. I called back, he asked if I would like to talk to the owner, XXXX and said he would transfer me to him. XXXX transferred me to XXXX, and other employees but never XXXX. After repeated times to call back, XXXX would put me on hold.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continously requested for debt validation and verification from this company. They have used tactics that reflect their non compliance with my request

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated and frequent phone calls. Sometimes minutes apart, sometimes an hour, sometimes hours. However, the calls are so numerous that I have stopped looking at the phone when it rings. I have enlisted with a debt consolidation firm to consolidate all of these cards. Most of whom are from Synchrony Bank. The calls that I am complaining about, are from Synchrony. Just in the few moments to write these few lines, Synchrony has called three ( 3 ) times which equals about 10 minutes time.
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The firm that I have enlisted is called  XXXX . They have instructed me not to speak to these creditors so I do not get shamed into making a payment to the creditor. Which according to   XXXX   would allow them to not participate in the program. So I have followed this advice.
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Synchrony is calling from predominately four ( 4 ) phone numbers. Although on my caller ID shows number and caller information not available for others with no voicemail left. The numbers that I do have are :   XXXX  ,  XXXX ,  XXXX , and  XXXX . From the voice mails, it is a robo-dialer.
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I had entered into this program with  XXXX  on   XXXX   XXXX  , 2017. I pay   XXXX   an agreed amount each month, via direct draft, and they, per negotiations with the creditors, pay a settled amount to clear the accounts. To the best of my knowledge, I am keeping my end of the agreement to which my creditors are not. Especially Synchrony Bank.
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When I had first applied for credit with any of my creditors, I applied as retired (  XXXX  ), for which I am. I had part time work working three days a week with a temp agency. That assignment has since ended the beginning of   XXXX   2017. Prior to the loss of the PT job, there was a reduction of hours and pay, which did not help my credit payment efforts, hence the   XXXX   solution.
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My research has enlightened me to Creditor Harassment under the Fair Debt Collection Practices Act ( FDCPA ). To which I believe that Synchrony Bank certainly is in violation of with the frequent, repeated calls throughout the day. As I stated earlier, three ( 3 ) such calls in the span of 10 minutes. I would like a resolution to this, and my research has also enlightened me to suing and getting {$1500.00} per call. With the volume of calls thus far, my indebtedness to Synchrony Bank is paid off and then some.
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My suggestion for a just and fair resolution would be to call it even. Synchrony Bank stops calling, clears all of my debts due to them, due to the harassing calls, and enters positive cleared status on my credit reports. My remaining debts are my responsibility.

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 12-11-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received multiple calls in the past few months from alleged debt collectors. 
They are calling themselves XXXX " XXXX XXXX XXXX ''. They have called me from various different phone numbers in different states XXXX, XXXX, XXXX, XXXX, XXXX. They allege to have sent multiple collection letters, which is false. They refuse to give me information about the company and are often aggressive when questioned about the company. Additionally, they have threatened my credit by putting this bogus account into collections. 
They have my full name, full address, date of my appointment, and name of medical provider. I know I paid the amount in full that they are talking about but it is concerning that some group would be able to get all this information about my health history. 
I have already contacted my health provider and insurance company about this and I do not intend to pay this bogus bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Medical debt) with Capital Accounts, LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: please see case number for detail XXXX i am filing complain against CAPITAL ACCOUNTS behalf of my husband and daughter who are old, XXXX my daughter XXXX XXXX went for XXXX XXXX to see XXXX XXXX who gave estimate never finish or completed work, his claim was denied by all insurance company as well credit card company ( see all upload files ) then he turned to my husband kripa who has no knowledge of him he does not know this Dentist also she is not on our insurance and we don't have power of attorney, He just wants to harass and destroy our credit for invalid charges so he hired CAPITAL ACCOUNTS since life has been night mare they called day and night with different phone number even my cell phone always unknown so we are scare, we explained to them, sent certified letter ( see file ) and letter from ATTORNEY GENERAL office somehow they don't care they are trying to rob us or make money. 

Even XXXX XXXX  tried to mediate but they told them they have no intention to complete work except collect invalid charges nd they block and spam my email when i was trying to make appointment and Collection agency knows

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The HELOC maturity date was XXXX XXXX, 2015. The final payment, based on the payoff quote provided in writing, was sent and credited to the account XXXX XXXX, 2015. The Ocwen website shows {$0.00} balance due however Ocwen continues to call everyday to collect {$28.00}. After numerous attempts to get someone to investigate the final settlement, it has been determined ( have a letter from Ocwen in hand ) that the loan was overpaid and Ocwen owes me {$13.00} ... The debt collectors refuse to take me off their call list. They want ME to write a letter asking to be removed even though it their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I began receiving daily phone calls from fake phone numbers in  XXXX  of this year. I finally answered one and waited for the call to connect. After connecting the representative on the phone stated they were from a debt collection agency and asked me for my credit card number to pay a medical debt of {$50.00}. I have never received a bill. I told them I would not give them my card #, but if they sent me the bill I would review the claim. About 2 months later (  XXXX  ), I received a written notification from a company called " Credit Collection Services '' stating that the date of service was from  XXXX / XXXX / 2015  from  XXXX   XXXX . I reviewed all of my medical files and have no history of medical tests being done on this date. I responded with a letter to Credit Collection Services the next day stating that I was disputing the claim and requested they provide a copy of the original invoice with explanation of how they tried to bill. On  XXXX  I received another notice from Credit Collection Services stating that the past due account remains unpaid. They have not responded to my dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit card to XXXX XXXX that was defaulted on in XXXX XXXX 2010 and they charged it off. Midlund funding bought it and keeps reporting it as new debt when it is not and it is negatively impacting my credit score. I have went through XXXX XXXX several times to dispute it to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Collections agency medical bill {$68.00} was PAID in XX/XX/2012. Equifax still reports as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing/Cancelling account

Complaint: I received a past due notice on an account that was closed many months ago, perhaps it was even a year or more ago, I do n't remember exactly. Apparently even though the account was closed, Bank of America agreed to honor a charge this summer from XXXX 's List. According to Bank of America, it is impossible for me to close my account in such a way to guarantee that future attempts to bill me will not occur. This is unacceptable. I know from my own personal prior experience, they can set up their computers to reject future charges to a credit card that is expired. Obviously that 's what they do when they suspect a credit card has been stolen. But BofA is telling me its impossible to really close my account. Or they are telling me that " closing my account '' does n't mean reject all future charges. This is crazy. It should not be impossible to close an account and request that all future billings to said closed account be rejected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2015 about Debt collection (Non-federal student loan) with SLM CORPORATION (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not recieving statements becasue i thought that loans were in defferment

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