milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As per Federal Law, the statue of limitations, 7 years, has elapsed on the alleged debts, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. Experian must comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) 1 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6400.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Monthly Payment - Past Due Amount {$6400.00} Highest Balance - Terms Revolving Responsibility Individual 2 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$3700.00} Balance Updated XX/XX/XXXX Credit Limit {$2800.00} Monthly Payment - Past Due Amount {$3700.00} Terms Revolving XXXX - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6600.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Past Due Amount {$6600.00} 4 - Account Name XXXX Account # XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$5200.00} Balance Updated XX/XX/XXXX Credit Limit {$4100.00} Monthly Payment - Past Due Amount {$5200.00} =

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have always had an excellent relationship with XXXX and since Navient contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on XXXX XXXX due to their stressful approach and threats to myself and cosigners. I am on a Navient payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to Navient 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my XXXX report. Is it the goal of Navient to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Mortgage (Home equity loan or line of credit) with E*TRADE BANK (OR).
Issue: Loan servicing, payments, escrow account

Complaint: We took out a HELOC with E-Trade Bank several years ago. We were making monthly automatic payments from our Credit Union in XXXX for many years on that loan thru a loan servicing company hired by E-Trade Bank. The name of the Loan Servicer was XXXX XXXX XXXX. In XXXX 2015 XXXX XXXX XXXX was replaced by another loan servicing company hired by E-Trade. The replacement loan servicer is called XXXX. We made a monthly payment of {$1000.00} on the HELOC as usual to XXXX on XXXX XXXX, 2015, and we believe XXXX received this payment on XXXX XXXX, 2015. AFTER WE HAD ALREADY MADE THAT PAYMENT we received in the mail a notice from XXXX that all payments after XXXX XXXX, 2015, were supposed to go to XXXX rather than XXXX. Because we had not received adequate advance notice of this change, XXXX is now demanding the {$1000.00} payment we made on XXXX XXXX, 2015 to XXXX. We can not call XXXX at all as they refer all inquiries to XXXX, the new servicer. We wrote to XXXX on XXXX XXXX, 2015 demanding return of the {$1000.00} payment we sent to them on XXXX XXXX, 2015, so we can forward the XXXX 2015 payment to XXXX to bring their account current. XXXX stills says we have not made the XXXX 2015 payment to them because it went to XXXX. As of this date we have not gotten the refund from XXXX and we do not have an extra {$1000.00} laying around to sned a duplicate payment to XXXX while XXXX is illegally holding on to our {$1000.00} payment for XXXX 2015. We 've filed complaints with CFPB against both XXXX and XXXX. XXXX refuses to acknowledge they sent their notice of changed servicer RETROACTIVELY. CFPB wrote to us and said they do n't have enough info about XXXX. We already gave CFPB all the info we have about XXXX. This is the company E-Trade hired to service our HELOC. Since XXXX is probably bankrupt or being investigated for some federal fraud related to loan servicing and it seems XXXX swooped in to take this over for E-Trade ... NOW WE WANT TO FILE A COMPLAINT AGAINST E-TRADE BANK FOR NEGLIGENTLY HIRING THE DISHONEST AND CRIMINAL LOAN SERVICER CLC WHO WILL NOT RETURN OUR {$1000.00}!!! We never told E-Trade who to hire to service their loans. That 's E-Trade 's business. We 've been screwed and E-Trade must REFUND OUR {$1000.00} IMMEDIATELY so we can forward this payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NV).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call today as well, as my husband, and mother-in-law from a woman named XXXX from XXXX and associates saying they were a law firm sending legal documents to my residence and/or work place so that I could be " served. '' They said this was a civil lawsuit for a credit card from Well 's Fargo bank I opened and defaulted on in 2004. This credit card had been closed and the debt has been closed and written off as a bad debt, no longer on my credit report. They then explained that If I refuse the lawsuit, criminal action will be taken against me and I will be arrested for fraud against a financial institution. Since this debt has been closed and is 11 years old, I am way beyond my statute of limitations for collection. Not only is it illegal for them to try and collect on my debt, it is also illegal for them to try and sue me, threaten criminal action, call my family members, threaten to come to my home and work, and for them to pose as an attorney 's office. I googled this company and their phone number and it is not a known company of anykind, let alone a lawfirm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: First they called me and left an unintelligible message. The next day they called my XXXX mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations XXXX XXXX '' who belittled, insulted, and implied they would sue me, trying to extort at least {$200.00} before I finally hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Credit determination

Complaint: As I await an answer from Bank of America, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. 

Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.

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 10-11-2017 about Debt collection (Credit card debt) with P&B Capital Group, LLC (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: P & B Capital XXXX keeps calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Applied for CC on XXXX ( XXXX XXXX ) Website about XX/XX/XXXX which offered XXXX Starpoints after spending {$3000.00} within 3 months. Approved for offer, but never rec 'd CC. Called Customer service said would send CC right out, but after 2 weeks never rec 'd card for another week so called back & CS rep said will send XXXX, next day rec 'd card along with another card by post office. I used first card, but soon found would n't accept charges. So I used other card which did. When I rec 'd second bill, I called to see if I met requirements & when was I getting XXXX Starpoints. Rep said my card was n't eligible for points. At this point, I spent over {$4000.00}. 
In my opinion, they mislead the program especially after approving my application. They never called me about not giving points or the CC I was using being ineligible. I was approved & after meeting the requirements for spending money I should be given my XXXX points. Switching my card w/o telling me should be some sort of violation i.e. fraud. 
The Financial organization handling the transaction was AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: According to recorder of deeds attached, the information should not be a part of my financial matters. They did not provide information therefore it should not be included on my credit report or anything to do with credit. Therefore judgement and lien should be removed from my credit reports through each bureau.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivable Recovery Services, LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been trying to resolve an issue with some medical collection s on my report that 's not suppose to be on there. Two accounts from Receivable Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I rented an apartment XX/XX/XXXX with a friend. I moved out of the apartment in XX/XX/XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my name was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed for my entire information : SSN, DOB, DL #, address, credit card information, etc. to be accessed by parties not entitled to the information. My entire equifax history is now part of the hacker world with complete access to anything they want.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed a collection account on my credit from Midland Credit Management or Midland Funding. I did n't know what the account was for so I contacted them by way of certified mail 3 times and I never heard back from them until I filed a complaint. 

I am writing to you again because I have not had a account with the original creditor which is XXXX. I am dealing with them directly along with another government agency. 

I am writing you because I need for the harassment to stop. They never contacted me before placing the unknown account of my credit, now that I have filed a complaint against them they are sending me letters. I will take legal action if the harassment continues or if the unknown entry remains or is re-inserted to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late XXXX Closed

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am dealing with Fay Servicing. My account manager is XXXX XXXX. 
To go over that facts as were stated to me by XXXX via phone on XXXX XXXX, 2015. XXXX called me to tell me " I have good news for you before the Holiday weekend, you have been approved for a loan modification. '' " It looks like a principal reduction of almost {$100000.00}, a rate of 6 %, the length to remain the same as the original Note. You will need to sign some documents and make XXXX payments in the amount of {$2100.00} '' I would expect XXXX to tell the truth as I am sure he is directed from Fay Servicing. Well, this does n't appear to be true based on the Forbearance Agreement I received. In the Agreement none of the Terms XXXX presented to me on the phone were included. Furthermore, it appears that XXXX along with Fay Servicing are using deceptive practices, which to me appears like consumer fraud. 
This is no joke. I am at risk of losing my home, I would expect any company would act honestly and NOT use deceptive practices. It appears XXXX XXXX and Fay Servicing are doing just that. To tell someone on the phone all those facts, along with terms of the Loan Modification and send a Forbearance Agreement such as the one attached is certainly Consumer Fraud. 
Please help me. All I want is to be treated fair and for them to honor the terms they gave me over the phone. I would pay them the XXXX month trial period upfront if they would just honor their words.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Medical) with Central States Recovery, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Never got a bill for this, I did get some automated call that a bill went to collection agency. I called XXXX XXXX XXXX XXXX and they said we should of not been billed. 

I spoke to XXXX at XXXX at XXXX - XXXX called XXXX and told them they could not be charging me for this. 

XXXX XXXX used Central States Recovery, Inc. to collect.

Company response to consumer: Closed
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I was disabled from purchasing on coinbase and my access to XXXX trading page was disabled and I should contact support. 

I contacted support on XXXX XXXX, got my case filed under XXXX ID : XXXX but nothing happens. 
I 'm afraid that this is just another fraud operation as I have around XXXX $ and I can not get to them or move them to any other wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted an electronic dispute for various incorrect information and accounts on my consumer report with experian on  XXXX / XXXX / 17 . I received an email on  XXXX / XXXX /   17  saying that the investigation was complete and nothing was corrected on my report. They clearly did n't try to contact the companies that were disputed for updated information in such a short time. I have contacted the other bureaus about this same issue and they have deleted the errors. I am being negatively affected by experian 's negligence and I am facing significant financial repercussions due to this false information in my report. Dispute #  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 (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented a condo from a rental management company, XXXX XXXX XXXX XXXX. After moving out when the lease ended I noticed they placed a large debt on my credit for {$5700.00}. I have no idea why or what it 's for. I 've emailed the rental management company ( XXXX XXXX, the owner ) twice and both times she responded it was an error, that it would be corrected. I 've disputed several times to credit report agency with not results. I do not owe this and the management company never answers my calls or requests. The owners of the unit ( investors ) XXXX XXXX XXXX will not respond either. I will say this, while I lived in that condo their accounting was terrible. They 'd place late notices on my door when the rent was already paid. I 'd call and it would take days for them to get back to me and verify they located the rent I 'd sent. Now this. This is not my debt. I have a copy of the rental lease, the correspondence between myself and XXXX XXXX, the rental agent that managed the property and the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft when XXXX issued a credit card in my name which was fraudulently acquired. XXXX discovered the error and contacted me. On XXXX XXXX, XXXX the credit bureaus were notified and credit monitoring put in place. While monitoring my account, XXXX notified me on XXXX/XXXX/XXXX that persons unknown to me had attempted to open up an account with Synchrony Bank, XXXX  XXXX, XXXX CREDIT ACCOUNT. 

They advised me to immediately notify Synchrony Bank 's fraud alert team which I did. 
I spoke with XXXX who gave me a reference number of # XXXX for further inquiries. 
I was also notified on that day that the fraudulent request for credited been denied and that an investigation had begun and that I would be notified by mail within 30 days. On XXXX/XXXX/XXXX they sent out a letter denying me credit after doing another hard inquiry which was also fraudulently initiated. 
I responded to them that they should not have been sending me a letter denying me credit because they had already been informed 4 days earlier of fraudulent activity attempted on my credit and that there was credit monitoring in place. After being given this information they in turn did another hard inquiry, I believe, in a greedy effort to open up as many credit cards as possible. 
I also asked them to remove these hard inquiries from my credit report because they were made as a result of fraud. The credit bureau had informed me that the company making the inquiry had to remove it. That has not been done. Neither has Synchrony Bank responded to my certified letter that I sent them on XXXX XXXX, XXXX asking them to rectify this matter. They made the error, especially after being notified of the situation on XXXX/XXXX/XXXX. Their response was to turn around and do another hard inquiry in hopes opening up new credit debt for me. 
All I want them to do is remove these hard inquiries from my credit report because I do n't want false information on my report that can affect my future credit needs and opportunities for up to three years. Thank you

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