milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An identity thief fraudulently opened an XXXX XXXX credit card account in my name. {$10000.00} was charged to the card with no payments. I noticed via review of my Equifax report ; I contacted XXXX XXXX, filed a report with the FTC and a police report, and disputed the account on the Equifax report. Equifax denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Went to XXXX and XXXX XXXX of Florida for some XXXX. After waiting almost a month for them they proved to be faulty, being very uncomfortable and causing me pain. I returned them to the office that I visited in XXXX and made them aware of the situation. They promised to fix it and let me know when they are ready. I made the payments requested of me and my insurance was billed. I then lost confidence in them since they took so long on both occasions and also the fact that they did not work for me the XXXX time, and especially since they hurt my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MS).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This complaint is against Wells Fargo. Student loans came due, I was constantly harassed by phone calls requesting payment. I repeatedly asked for payments to be lowered, asked for detailed payment information which I never received. My parents submitted paperwork to have payments lowered and was never contacted back with an answer. I was hit with late fees for months. I still inquired about a detailed report to see interest accrued and never received.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called capital one about limit sharing information at XXXX at : XXXX/XXXX/XXXX in XXXX and XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

Note : I waited over twenty minutes on my cell phone on the dates above. I contacted XXXX XXXX at XXXX i contacted XXXX XXXX XXXX at XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX gave me contact number XXXX. I called this number and waited over twenty minutes again. - NOTHING BUT A RECORDING!!! 
PLEASE CALL ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Progressive Insurance charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. That means there are XXXX violations due to a single trade line.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I was going to attend   XXXX   XXXX   College in   XXXX   XXXX   Sc that was between  XXXX  and  XXXX  not exactly sure. The advisor i had was  XXXX  ca n't remember last name. But after finding out the school was n't accredited I decided not to attend. Yet I 'm assuming   XXXX   XXXX   was still billed. I never attended classes but yet I was sent a bill to pay   XXXX   XXXX  . I contacted   XXXX   XXXX   to make them aware of this. At which time I was told it was showing I attended the school for months and that I should pay and if it found that I did n't attend I would be refunded. ( I paid about {$300.00} towards the loan ) I again assured her this not to be true. I then went to the school and got a letter on the school letter head confirming I did n't attend classes or got materials from the school. I was told it would be looked into and I would receive a follow up and if found I did n't attend the school id receive a full refund. I never heard from them again. And only got a load of run around afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX - Automobile Dealers, Old This inquiry could stay on your report until XX/XX/XXXX. 

I DO NOT RECOGNIZE THESE INQUIRIES NOR DID I GIVE ANYONE ELSE PERMISSION TO REVIEW MY CREDIT REPORT ... EQUIFAX IS NOT LISTENING TO ME AND THE CREDITOR ADVISE TO DISPUTE SINCE THEY DID NOT RUN MY CREDIT BUT SOMEONE DID AND I DO N'T RECALL ANYONE ASKING OR OBTAINING MY PERMISSION ...

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I am complaining about the deferred interest that 's been added to my care credit account. My fist charges was in XXXX XXXX amounting to {$2500.00} for dental procedure and promotional end XX/XX/XXXX. I have another charges for cosmetic procedure XX/XX/XXXX. I have been paying {$100.00} from XXXX XXXX every month, then in XX/XX/XXXX paid {$270.00}, XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00}, total of {$2600.00} by the end of XXXX XXXX which covers the {$2500.00}. I talked to the their customer service because they were adding the deferred interest of {$1000.00} for not paying the balance. I told them that I was expecting that all the payments I made will apply to the first charges first, the bill did not specify the amount that will apply to the first charges and the second charges. I spoke to them in XXXX XXXX, XXXX if they can waive the deferred interest because of the misunderstanding and they said if I will make a payment of {$1800.00} and did not tell me when the latest I can pay that amount. I tried to borrow money from relatives and deposit the check but did not clear until XXXX XXXX, XXXX. I called care credit customer service again last week XXXX XXXX, XXXX so I can make payment but they said they can not waive the deferred interest anymore because it past 30 days grace period which they said is XXXX XXXX, XXXX. They did not tell me that when they are collecting {$1800.00} from me in XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My initial student loan was financed by Navient in 1995. Since then I was approved for student loan forgiveness and the loan through Navient was paid in full and transferred to XXXX. Navient sent me a document thanking me for my business and documented that that loan is paid in full with a XXXX balance and paid as agreed, I have that document. At current Navient is reporting a late payment from back in 1995? That makes that unethical reporting 21 years ago? Please help me as I am actively attempting to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I can not afford my private student loans payments. They want me to pay {$260.00} a month. My area was hit by a hurricane a few months ago so my loans were put on a deferment. I was told that when I came off the deferment that I could do a rate reduction payment. The rep told me that even though i have signed up to do the rate reduction twice that I am able to have someone sign me up. The deferment is over and they told me that there is nothing they can do to lower the payment. I have never worked with a business that has no heart. I was on the rate reduction for 2.5 years a few years back and paid it every month. Now all the 12.25 interest that has accrued it is back to where the original was. My life is totally over with this business not willing to work with me. I hope that others will take there business elsewhere it is not worth the stress this business puts people through.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (VA mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ca n't find out who was the custodian of our payments made to loancare by the trustee. The loan was transferred XXXX XXXX however payments were still sent to loancare until XXXX XXXX. Mortgage payments errors were not reflected. Sent request to the company for account statements. Never received any statements since 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 11-04-2015 about Payday loan () with Elly, LLC (HI).
Issue: Can't stop charges to bank account

Complaint: I rec 'd a loan from dollar quick in XXXX XXXX loan was for XXXX. last month I revoked my authorization for any funds to be withdrawn from my bank acct ( XXXX, XXXX, hi. ) I asked for balance on acct and how much paid to date. they did n't respond to me. They ignored the revocation and went ahead and took money from my acct XXXX. I asked for my money back and again balance, amt pd and mailing address so I could just mail in payments. to date they still have not responded to my request. their phone # is XXXX pls help me here. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 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: Personal information incorrect

Complaint: I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XX/XX/XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XX/XX/XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX Bank

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 11-02-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MD).
Issue: Trouble during payment process

Complaint: To begin with, the letter sent demanding XXXX as a shortage on my escrow is illegal via RESPA and as of XXXX Maryland Law. It does not matter if my bills increase, if I pay into escrow additionally ( as I did this year ) or as in XXXX if the bills decrease as in my home owners insurance, the property tax was EXACTLY THE SAME as the previous year. I have received the huge demand letters before and they have been resolved, specifically since I am on a mortgage modification. 
So with that I paid into the escrow XXXX XXXX XXXX and for the remainder of XXXX paid XXXX. This leaves a credit balance of XXXX plus the XXXX I paid in XXXX ( estimated ) you do not have in the Escrow total at all. You estimated everywhere else, but not that payment to escrow and you auto -deduct. It is unfair to do an analysis with 11 months it is not a fair analysis of the Escrow for the year ... it skews things in the lenders favor. 

CREDIT DEBIT XXXX XXXX XXXX XXXX XXXX XXXX ( additional pmt supposed to be fixed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 11 pmts ) XXXX ( XXXX ) 12 pmts escrow ( XXXX ) - XXXX XXXX paid out Variance XXXX So you can calculate this two ways. You have a cushion of XXXX left after the XXXX payment which as of the date of this letter has been withdrawn from my account. OR I can contact the insurance company and I can attempt to pay my own mortgage ... therefore reducing payments into the escrow as you will only be paying around XXXX per annum. The variance in my favor to be refunded to me by the end of the calendar year ( XXXX XXXX ) would be XXXX less your cushion BY LAW, which I have calculated to the penny. 
Please see the attached Seterus letter for further detail and requests. This is not legal to my understanding of Maryland and Federal Law. Also the figures are incorrect. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I attended XXXX College XXXX XXXX campus from XX/XX/XXXX-XX/XX/XXXX. The school had me take out a XXXX Loan. When the campus closed i was still paying on my XXXX loan, when XXXX closed down they changed to another company that i cant remember the name of and then changed again to XXXX XXXX XXXX ( XXXX ). My XXXX Loan was approximately {$4900.00}. Currently through XXXX i owe {$4300.00}. I tried explaining to XXXX that a school FORCED me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do deferments so i was going to have to find a way to pay for the loan. I currently get 3-4 calls per day from this company. Being someone who was fresh out of highschool i wasnt really given a rundown of why i had to pull out this loan and not knowing any better to ask i just signed it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried on several attempts to get this company to validate that Im the responsible party that owe this debt but they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to ask XXXX to validate this debt. I 've never received a copy of the credit application for XXXX. I 've never had an individual XXXX account, I have a current joint account with my wife with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Debt collection (Medical debt) with FirstPoint Collection Resources (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Had a loan for training at previous employer. Loan paid in full XXXX XXXX. Received notice from Transworld Systems Inc. of debt owed of XXXX on XXXX XXXX XXXX. Address listed for transworld systems inc include a XXXX XXXX and XXXX address on same document. verified funds paid my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been enrolled with PennyMac mortgage automatic ACH withdrawal and the bi-weekly payment program for several years. A bi-weekly payment of {$1200.00} is withdrawn from my checking account at least twice but sometimes three times pert month. I went on vacation XXXX 2016 and when I returned I noticed that PennyMac had failed to withdraw the normal bi-weekly payments from my account. No payments were made in the month of XXXX 2016. This is in violation of our automatic ACH and bi-weekly payment agreement. I believe PennyMac intentionally did this so that I can not pay my mortgage off early and save by reducing interest charges over time. This is the third or fourth related CFPB complaint I have filed on PennyMac in the past couple years and nothing helps! PennyMac is using predatory lending practices and not honoring their auto ACH bi-weekly payment agreement I signed.

Company response to consumer: Closed with explanation