milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (CA).
Issue: Problems when you are unable to pay

Complaint: I currently have an installment loan in the amount of {$2600.00} from Speedy Cash which I took out in XXXX of 2014. At the same time, I also have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood, including Speedy Cash. So basically, I have both a {$300.00} payday loan from Speedy Cash and a {$2600.00} installment loan. Is that legal? 

I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive for me, and I do n't know what to do. I already filed XXXX other complaints about my payday loan situation, XXXX for each of the different lenders. 

I 've been paying about {$140.00} every two weeks on the Speedy Cash installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? Are all my payments going toward interest only? 

I ca n't keep paying on all these loans. I need to prioritize my rent ( {$1100.00} ), car payment ( {$320.00} ), insurance ( {$180.00} ) and my other basic needs like food and utilities. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm struggling to figure out a way to get out of this deep financial hole that I 'm in. I do n't want to default on the loan, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. 
To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to keep paying on this loan and the other payday loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. I 'm wondering if it was legal for Speedy Cash to give me a payday loan and a {$2600.00} installment loan at the same time? Also, someone told me that in California, there are no interest rate caps on loans above {$2500.00}, and that might be a reason why I got a loan for {$2600.00}. Intially, I did n't want that much money. I only wanted to borrow {$1000.00}, but they ended up lending me way more. Now I 'm having trouble paying it back and my principal is n't decreasing with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to file an official complaint with your agency about my mortgage servicer ( Seterus Inc. for my XXXX owned mortgage ) for what I believe to be : A.Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures. and ; B. Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ). 

I believe that Seterus Inc may be in Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures for the following reasons : On XXXX XXXX, 2016 I sent a fax requesting loss mitigation/hardship assistance was sent to Seterus, Inc. to which I received no response ; on XXXX XXXX, 2016 I sent a follow-up fax to the XXXX XXXX, 2016 fax requesting loss mitigation/hardship assistance to Seterus, Inc. due to their failure to respond to my XXXX XXXX, 2016 request. To date it has been 43 Days since my first request for assistance on XXXX XXXX, 2016. 

With respect to my second allegation, I believe that Seterus Inc may be in violation of Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for the following reason : On XXXX XXXX, 2016 I sent what is deemed to be a 'Qualified Written Request - QWR ' to Seterus, Inc via facsimile to which they never responded or provided me with the information requested. 

Note : Copies of all relevant back up documentation are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I asked for my yearly credit reports XXXX, Trans Union, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but Trans Union, and XXXX stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Mortgage (Other type of mortgage) with Capital Home Advocacy Center (GA).
Issue: Struggling to pay mortgage

Complaint: I am currently having trouble paying my mortgage and in order to avoid foreclosure, I found this company, Capital Home Advocacy Center, since my lender did not qualify me for a modification, and they wanted me to pay {$810.00} for 3 months before beginning. Unfortunately I payed for the first month, XX/XX/XXXX, and realized soon after that they are not legit after I spoke to my lender and they said they knew nothing of Capital Homes, even though Capital Home said they are working with my lender. I also looked up warning signs of scams and Capital Home fit at least 3 of the red flags listed. I tried to call after sending an email telling them I do n't want to continue and that I want a refund of the {$810.00} I sent and I ca n't get anyone but I am still trying to contact them everyday.

Company response to consumer: Untimely response
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 disputed a collection item by XXXX XXXX XXXX, receive a email from Equifax and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification and validation from this company and they refuse to provide it to me. I sent them a certified letter requesting this information. They have no provided to me in a timely manner. This is my formal and last request for this information. You can email this information or mail. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last XXXX of my ssn are XXXX and my date of birth is XXXX. This information needs to be removed off of my credit since you can not comply with the law. I will file a suit against your company if needed to protect my rights. I also see that you are based out of XXXX.. Are you bonded to collect in my state?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Paid/satisfied judgment was investigated and deleted about XXXX years ago but reinserted XXXX months ago. Several attempts have been made to correct situation. I was told by Equifax that I needed an attorney to be given proof of previous investigation records that reflect claim. I have spoken with several employees of company that informed me they were all supervisors and there in no higher point of escalation. 

There have been trade lines deleted from my credit report with perfect payment history which has subsequently lowered my credit score. XXXX has opened their own investigation to determine why this has occurred. 

My XX/XX/XXXX XXXX XXXX XXXX care loan with excellent payment history has been marked " not reported '' for duration of loan. The loan has perfect payment history and was paid in full. This is affecting my credit score. 

I have paid off XXXX car loans with XXXX credit union since XXXX and the report only reflects XXXX car loan. 

All of my student loans have been marked as payments " not reported '' for the entire XXXX month history after speaking with XXXX XXXX approximately XXXX weeks ago. I spoke with XXXX XXXX XXXX days ago and was informed that the items would be investigated but they are not reflecting investigation status on my report and I have been blocked from online disputing. 

Many of my revolving accounts are reflecting inaccurate payment history. The payment history was deleted and marked as " no history available '' XXXX hours after speaking with XXXX XXXX. 

It would appear that I am disputing inaccuracies with this credit bureau every other week and my credit score fluctuates XXXX-XXXX points from week to week and has rendered my creditors unable to make lending decisions. I am constantly disputing old information that should not be reflected on my credit report. Each time I am told to open a new dispute and wait an additional XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: When calling Portfolio Recovery Associates LLC to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from XXXX. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with XXXX letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Screening Reports Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Credit Inquiry XX/XX/2017 Scrng Rpts XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 02/13/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.

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 10-01-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I did n't give authorization to apply for a credit card with 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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.

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 01/17/2018 about Mortgage (VA mortgage) with INTERCONTINENTAL CAPITAL GROUP (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was pre approved for a VA mortgage loan through Intercontinental XXXX XXXX. I started the process submitting all of my documents and aroundXX/XX/XXXX they told me that I did not qualify. On the XXXX I reached out to the group through phone call, email and text they have not responded. Before I made the request they suggested my wife try an FHA loan in her name. She reached out to them today about the FHA loan and they quickly responded stating they would call her at XXXX to discuss next steps. She then emailed them requesting a denial letter for me and they have not responded to her request either and is still awaiting their call. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Louisiana Recovery Services Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was given a XXXX XXXX on a child that ended up not being my child. I was placed on child support and it was put on my report. After it was determined the child was not my child, it has not been removed.

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 08-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: On  XXXX   XXXX  I filed a proper dispute with Experian on an unknown medical account on my credit report because if it was mine it very well could be obsolete at this time. In my dispute I requested the name and address of the service provider, patients name, dates of service, etc. I received back a response dated  XXXX   XXXX  stating the investigation is complete and that they contacted the company and the account will remain on my report. On page  2  dated  XXXX   XXXX , it clearly states : If interested, you may request a description on how the reinvestigation was conducted along with the business name, address and phone number of the furnisher of information.   So I re-disputed with Experian on  XXXX   XXXX . Asking them to supply that information to me, as I am requesting it again for the  2nd  time.   In addition to sending Experian the dispute, I also contacted the reporting collection agency on  XXXX   XXXX ,  XXXX   XXXX   XXXX , with a dispute and request for validation on this unknown account as per instructions from Experian 's dispute results letter dated  XXXX   XXXX ,    2017 I aske d for proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.   I received a letter from  XXXX   XXXX  dated  XXXX   XXXX . Their version of verifying this debt was  a one pa ge sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges.   They way that I see it, Experian cant furnish the requested information to me because if they did properly investigate my dispute, they would be able to furnish the requested information to me. IF they contacted  XXXX   XXXX  and requested the information from them, like they want me to believe, they would also have no information on dates, services, doctors, etc, because  XXXX   XXXX  is unable to provide that information to me as you can see in the follow up letters.   Experians refusal to investigate is a violation of the FCRA and FACTA.

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 09/17/2016 about Payday loan () with Enova International, Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I think these loan should be illegal due to fact it plays on the poor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was a struggling single mom trying to repay student loans but sent to forbearance for years. I 've been paying on these loans since 1998. They sold min to XXXX a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

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