milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Listing account as open, charged off by original debtor XXXX XXXX, last, last payment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and Equifax both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX  has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: Citibank returned my payment made by check for no reason and proceeded to charge me a late fee. I had the funds to cover the check and the representative lied and said my bank returned the check to them. XXXX of the vice presidents at XXXX XXXX XXXX assisted me with a XXXX call to get the matter resolved. I feel they tried to defraud me, a XXXX, by returning my check and could not provide me an explanation and charged me a late fee. I wonder how many other seniors they do this to???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CO).
Issue: Problems when you are unable to pay

Complaint: I had a leased car which I returned early because my student loan payments are suffocating me. I was never told that returning my car would result in a {$3200.00} bill when I only had {$1200.00} left on my lease. Hyundai was negligent and deceptive by not informing me of what the consequences would be if I returned my car. Additionally, Hyundai started reporting a delinquency on my credit report. I am not delinquent. I have always paid. I paid until I returned the car and when they sent me the {$3200.00} bill last month, I have since made a payment on that as well. They need to remove their tradeline from my credit report. I did not have one derogatory mark on my credit bureau until this incidence.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I have been trying to get this agency to properly validate their claims that I owe them a debt. They refuse to follow the law set forth under the guidelines of the FDCPA and FCRA. XXXX has notified me that they have fraudulently updated my address in my credit profile to reflect an address a XXXX XXXX address which places me under their courts local jurisdiction. I believe this was done in effort to file a default judgment against me in their local courts and illegally serve me. I do n't currently or have ever resided in the state of NV. On several occasions this agency has failed to follow the FDCPA and the FCRA. They have failed to validate the account and mark account as disputed within 30 days of notification of dispute. They continue to attempt to collect on this debt without properly validating this debt. They continue to collect knowing there is misinformation in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I obtained a copy of my credit report and there was a company that was reporting a collections. I was never billed from the hospital nor received correspondence from them indicating money was owed. I contact them directly and it was resolved. However the collection company ( Syndicated Office Systems ) continues to report a collection on my file when that is not the case. I sent a certified letter to them asking them to reach out to the hospital so that they can see it should not be listed and they have yet to respond. They signed for the letter on XXXX/XXXX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Credit decision / Underwriting

Complaint: In XXXX 2006 my XXXX year old Father who I am guardian of now, took out a mortgage loan with Fifth Third bank. It was considered a cash out refinance with my fathers desire to pay off medical bills from his deceased wife XXXX XXXX who died of XXXX the year before. There was no appraisal done on the home located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The loan amount was {$110000.00}. At that time, there was no house within a mile radius worth {$110000.00}. I am assuming they used some some of automated valuation system or the loan was a 125 % predatory loan. The rate is 7.375 % and the loan is being held by Fifth Third bank because it was n't salable to XXXX or XXXX XXXX due to the value placed on the property. This caused my father to not be able to take advantage of the HARP or HASP program or any other type of loan produce due to the loan to value issue. My estimation of the value of the property today would be approximately XXXX to XXXX Dollars due to the massive amount of foreclosures in his neighborhood and general property value decline based on the neighborhood. My father is in a XXXX now and there is no possible way of selling the home for the amount he owes which is {$100000.00}. We contacted Fifth Third bank and asked for a principle reduction on the loan but was n't considered. They suggested a deed in Lieu of Foreclosure which we did not do. Foreclosure proceedings have begun and I am now researching filing bankruptcy to protect my father financially for any future ramifications of a foreclosure. My father is a retired teamster. He worked 40 years as a XXXX making a good decent living. The expense of my step-mothers XXXX took a toll on their finances and when she passed away his only true asset was his home and was forced to refinance and take cash out to pay off medical expenses. He was taken advantage of by Fifth Third bank when they gave him a loan that was never going to be paid off nor ever have the ability to sell his lifelong home for enough to pay off the loan. The money he receives now is needed for his care. Fifth Third Bank knowingly made a loan to him at an over inflated value to incent him to sign the papers at a desperate time of his life. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with Penn Credit Corporation (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company has added this account to my credit reports. XXXX, XXXX, and XXXX. I have never received any communications from this company. I have no idea who they are. I have no dealings with them. Never heard of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Auto) with Westlake Services, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am applying for a mortgage ; the debt collector recently showed up on my credit report ; my mortgage company has contacted XXXX and has said without a written contract of an agreement to pay this loan, I will loose my house!! 
The loan is over the statue of limitations.

Company response to consumer: Closed
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This was to be a temporary credit through  XXXX . They told me I was fully approved to cover my loans for school. After I had started to go to class they pulled me out of class to tell me that I did n't get approved for part of for tuition I needed.  XXXX  told me they could give me a temporary credit where I could paythe school back directly. After I graduated I started receiving bills from  XXXX  and then I called them they told me I had a private loan. I have called them and asked them to provide me with a copy of this loan or contact to show me where I ever signed an acknowledgement of this loan but they told me they ca n't provide it because  XXXX  is in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2018 I was notified by XXXX, a service of XXXX that a new collection account was added to my credit report. After finding the entry, I looked up the company that had placed it, XXXX XXXX XXXX, found their website and filed an inquiry into the account. I received an email response that did not acknowledge the account or address the information I provided them regarding the ID theft and fraudulent account report. I provided them with the FTC ID Theft Report number, Information about the original account fraud notification to all 3 credit reporting agencies, and the fraud notice on my credit reports. This particular ID Theft event was a closed matter. Some entity has sold the account, knowing it was ID theft to another collection agency, which is allowing this to continue. It should be illegal to sell an account that has been attributed to fraud or identity theft to another collection agency. Especially without having to ever notify the consumer. I was never contacted or notified about this debt until it was reported on a credit report. That is when I first learned of the account. I have been a XXXX customer in my home state, 1000 miles from the ID theft location, for years. XXXX never contacted me about this account! This is wrong.

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 12/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been trying to lower my payment but have had no luck. He keeps getting higher.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (I do not know) with Jacob Law Group, PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I went to XXXX XXXX in XXXX. I paid everything that I owed. XXXX went bankrupt after I left in XXXX. I never received anything stating that I owed money to the school before or after the bankruptcy. Another school by the name of XXXX University took over, they later went bankrupt as well. I did not attend this school. In XXXX of XXXX I was contacted by Jacob Law Group saying I owe XXXX {$2700.00}. They waited 10 years to come after me about a debt I know anything about. They have been calling me everyday, they have taken me to court and now they are calling my job trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with EQUIFAX, INC. (AP).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to use annualcreditreport.com to get my one-per-year credit reports as mandated by law. Even assuming there is a valid reason why they are refusing to allow me to use the web interface, only XXXX provides a phone number for assistance. Both Equifax and XXXX are requiring that I send sensitive information through the mail which is not only a security risk, it 's time consuming, annoying, and, in my case, impossible. They are asking for documentation showing my current address, but I am currently living on a military base and have no such documentation. I do not pay rent or utilities other than XXXX Internet, but they are like most modern companies and send bills through the Internet. My driver 's license is base issued and also does not list my home address. Based on this, I am unable to order my reports and though I understand my situation is in a small percentage of US citizens, there is no justification why XXXX and Equifax do not provide a phone number for support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 lost a home to foreclosure in XXXX. The last payment that i made was XX/XX/XXXX. This is reflected on my credit report. This is accurately reflected on Credit Report provided by Tansunion. This is also reflected on credit reports provided by them, to me in XXXX. 
Yet Trans-Union continues to report late payments of 180 days on a mortgage that is now over 10 years old. On XX/XX/XXXX I first spoke with XXXX, then with her Manager XXXX XXXX, who explained to me that until XXXX XXXX XXXX reports the information using the correct term " date of first Delinquency '' rather than " date of last payment '', this will remain on my report indefinitely. Date of first delinquency is XX/XX/XXXX if last payment made is XX/XX/XXXX. But because that exact phrase was not provided i am told the information is accurate. 
I also called XXXX XXXX XXXX, but after being transferred from 3 different departs, i was sent to a dead connection. This information by law should have been removed no later than XXXX, yet it continues to report today and apparently will always be on report. They have the info needed to correct but refuse to do so. Its crazy that such an incompetent company has so much power over a consumers financial future. continues to cost me thousands of dollars in over interest rates and refusal of credit. 
The other reporting agencies each removed this information yet Transunion continues to report outdated information and say they will do so indefinitely. Those are their words not mine

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 03/31/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Syncrony Bank keeps calling my home looking for a XXXX XXXX. This is obviously not me. This has been happening since 2009. I 've told them repeatedly that I am not that person and that these calls need to stop. Most of the time I get hung up on! Some times the calls stop for a few months, but they always start up again. Calls come to my home from ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with PHH Mortgage Services Corporation (GA).
Issue: Getting a line of credit

Complaint: XX/XX/XXXX contacted PHH requesting pre-approval in the amount of {$270000.00}. The XXXX requested our credit scores, I gave them to him and he said we would qualify for the loan at 4.125 %. We called XX/XX/XXXX to proceed with the loan. The XXXX said my husband 's school loans were $ XXXX and even though he 's not paying them now ( they are deferred ) we have to estimate a payment of {$1800.00}. We challenged this but he said that 's how they calculate it. We asked for alternatives. He thought for a minute and replied that I, the wife, could do the loan by myself. We asked him to work up some numbers. The XXXX was sent to us on XX/XX/XXXX but showed a 4.58 % interest rate. We were willing to accept because he said it 's because of our credit scores. Over the weekend I gathered my proof of assets - 401k, investment accounts and had them to him by Monday morning. He called Monday, XX/XX/XXXX saying, I 'm sorry about this but it 's been flagged as a predatory lending situation. To get us out of this, you will need to pay XXXX in points. We kept asking what this meant to the bottom line and what we had to come to closing with. He was vague. Eventually, we realized we would need an additional {$4300.00} to close. After stewing this over for a couple of days, I contacted them on XX/XX/XXXX at XXXX and told them we would not use them as a lender since it seems they are being discriminatory in their practices and have some predatory lending concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease

Complaint: During the week of XXXX XXXX I contacted BMW Financial Services to process a payment for XXXX. I was out of the XXXX and unable to connect to the internet to process it online. I requested that the representative ( I believe his name was XXXX but can not recall ) activate XXXX since I am currently traveling out of the XXXX for work. He explained that I could do it online but I specified that I did not have access to the web. He confirmed my bank account was on file with BMWFS and that he could take care of it. Today I received a call from BMWFS stating that they have yet to receive a payment for XXXX and that my credit had been affected. I told them to draft it immediately. I stated that I had previously spoken with someone about this and they directed me to their credit dispute department because they could find no records or notes that anyone every spoke to me. After holding for about 30 minutes the call then disconnected without being able to speak to anyone. I 've yet to be able to get in touch with anyone to even speak to them about a dispute. I believe I was provided incorrect information regarding XXXX, as the second agent told me it can only be initiated only by my self as the account holder ( which is not what the first agent told me, UDAAP concerns here ). I have never had a late payment with BMWFS and am extremely irate that their mistake will put a blemish on my credit report. I request that they remove this immediately. I do not believe their credit dispute process is handled with the customers best interest. I will be visiting my nearest XXXX, writing to the OCC, and the FTC about this as matter as well. Not to mention that when I purchased the vehicle I was told that I could only buy XXXX insurance at the time of purchase ( when I knew that was incorrect ) and the APR was not stated to me until I asked for it all while I was being asked to sign documentation with out first seeing the rate first. Though this was a few years ago, I know this was also not a best lending practice. 

XXXX XXXX Account address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX, Transunion and XXXX all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

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