milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (I do not know) with National Processing Group LLC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a threatening phone call on XXXX XXXX, 2016 at XXXX from a voice recording message saying- if you do n't answer the phone or return our phone call legal actions will be taken against you immediately including your personal resident where you reside and your vehicle. If a payment is not give before XXXX today you will be arrested by your local authority. I asked who am I speaking to the representative ( XXXX XXXX ) insisted on saying NP group several times after I kept asking what does NP stand for. I had to google it just to see what NP stands from. I 'm not sure what kind of debt it is but it 's very scary to receive a call like that and all they want me to do was verify the last XXXX of my social and I did n't provide that information. Once I disconnect the phone he repeatedly called over and over until I blocked the number. XXXX called and left several threatening messages saying. You will be in jail by XXXX unless you answer my calls today. At one point I asked him where is your company located he stated-I ca n't give the information to you unless you give me your last XXXX digits of your social.

Company response to consumer: Untimely response
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: About 8 years ago, I lost my house to foreclosure ( surprise surprise ), and when I was in the process, I stupidly asked the HOA if I should pay them after I had vacated the property. They told me no ... 
So I did n't, long story short I should have paid them for the time between when I vacated and when the property was actually foreclosed on. I tried to pay them but they would jack up the amount each time I did, adding fees and interest. they took me to small claims court, and tried to sue me for an amount that was nearly XXXX the original amount, judge had me pay the original amount plus some fees, but not the jacked up difference. I then paid that amount, but they sold the difference to a collection agency. 
I have the paperwork for the court saying the debt is paid in full, but this collection agency has been chasing me for years, and now they have brought my wife into it, by putting the debt against her, so its dinging her credit, even though we married long after I had bought the home, and was never on the hook for the mortgage, deed, hoa, or anything and during any of the legal proceedings had nothing to do with it. it only happened about a year ago when we were doing our yearly credit check, and we saw it show up on her credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 have had several problems with Equifax actually investigating inquires on my credit report. I have submitted disputes and they simply send me a letter to call the creditors in question. I have called the creditors and they tell me that I MUST OPEN A DISPUTE with the credit agency directly to get it resolved. 

I keep getting the run around from Equifax about their investigation process into inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: I have been trying to get a name off a title and and do a title state change for 5 months. 
As of now it is still not finished. 
I moved from XXXX to XXXX in XXXX. I called to ask about the name removal and state change. They said I did n't need to name removal and they would send me the papers I needed to register the car in XXXX. It took over 4 weeks and numerous calls before I received the papers. I found out that I did need to have my sisters name off the title. I have been making calls ever since. I have been told I was wrong, that it ca n't be done, that the papers were in the mail. That I did n't request the name removal, that I had to call the XXXX, that the titles dept had to take care of that. Then in XXXX they sent to papers to me then to the XXXX. I was told to check back in a few weeks. When I called back I was told the XXXX said I had to travel back to XXXX with my sister to sign papers. I called XXXX and was told we could have signed a POF then the company could handle everything for me.I called the company back and was told that was wrong, or that they did n't know where to send the papers. So as of now it is still not finished. To me either the employee did n't know what to do, or they acted very rude to me. Example was today. I spoke to a woman who said she was from the presidents office. She told me i did n't ask for a name change, then said I would have to travel to sign the papers, or the papers were in the mail and there was nothing she could do about it. She had no resolution for my problem. That there were XXXX states and she did n't know the laws in each state. I filed with the XXXX and they keep saying it is my fault. I asked for the interest back that I should n't have paid and all they did was state the terms of the loan. I had plans of paying off the loan in XXXX. I explained that to each person I spoke to. I finally went on line printed out the POF from that web site and submitted it. Again I was told I was wrong, or that all the paper work was not submitted and refused by XXXX. As of today XXXX/XXXX/2016 5 months later this is still not resolved. I am attaching their responses to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have filed a dispute with all three credit bureaus in regards to Portfolio Recovery Solutions listing a debt on my credit report that has not been validated. I have not received any services from this debtor and there is no signed or verbal contract between them and I. This company has continued to list this debt on my credit report without providing me the requested information to validate this debt or their legal authorization to list a debt on my credit report. I never had an account with this creditor and I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (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: To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my XXXX credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by XXXX and XXXX XXXX. XXXX has repeatedly refused to block items by XXXX XXXX   on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX   has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: APR or interest rate

Complaint: I am hoping that someone can bring resolution to my ongoing issue with my credit card company. I have a credit card through Capital One for over XXXX years now and despite numerous attempts to obtain a lower interest rate of 19.8 %, I was advised that they do not a reduced interest option for repayment. I spoke with a representative yesterday about being put on a payment plan to pay the card off and she advised me that Capital One does not offer this option and the rate stays the same as when the card was opened. Of a minimum payment of $ XXXX monthly, XXXX has been going to finance charges. I am wanting to pay the card off and hope that this bureau can help bring me some resolution

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In the fall of XXXX I enrolled in a Masters Program at the XXXX XXXX for Advanced Studies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL, XXXX. At that time, I applied for and received a Federally Insured Student Loan in the amount of {$12000.00} in order to help pay my expenses. 

Due to complications from the aftermath of Hurricane Andrew the year before, my parents moved out of state and I was without help in taking care of my XXXX children. 

Trying to balance school, work and children proved overwhelming and I was forced to leave school and also move out of state. 

As I was between jobs, employed at minimally paying jobs or even without work for several years, I was unable to make payments on the original loan and defaulted. 

My original loan was eventually purchased XXXX XXXX XXXX XXXX XXXX PA and I was made aware of the loan 's existence again when I filed for bankruptcy in the early XXXX 's. The method of my becoming aware was when attorneys contacted my husband, whom I did not even know at the time I took out this loan, and threatened to garnish his wages for repayment. Needless to say, this led to a divorce. 

As I have finally worked myself into a regular fulltime teaching position, I have been attempting to make regular payments in the amount of {$300.00} to {$1000.00} a month in order to try and get the amount down. 

Every month I receive a bill and I have never had a bill which indicates my Current Balance of almost {$32000.00} is decreasing. 

This brings me to the point of my complaint. I have no problem in repaying the original amount of my loan plus a reasonable interest. However, my original {$12000.00} is now, according to AES, {$31000.00} and in the time I have been paying, it has never gone down. This while the statement tells me I have paid a total of over {$29000.00} in both interest, {$21000.00} and principal, {$8000.00} over the years, with the {$31000.00} yet to be paid. 

I have asked AES for a complete accounting on this loan from the time it was originated until now. They have told me they are unable to provide that information. 

Any assistance your agency could provide in assisting me in either getting a full accounting or assisting in understanding how much and how long I would have to pay until this is paid off, or even if it could be forgiven considering how much I have repaid over the years would be appreciated. It appears this will never, actually be paid off, but will continue to provide AES with income for the rest of my life. 

I am concerned that at the age of XXXX, with retirement on the horizon, my retirement income will not be enough to repay this loan and still survive.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX credit card on my report is not mine. The account is my ex-husband 's and I had no legal responsibility to this credit card. He has paid the credit card with a agreed upon settlement amount however this card is showing on my credit report. I have made several unsuccessful attempts to resolve this, XXXX has repeatedly told me that I am not responsible but wo n't provide me with a letter or promise to remove the negative info. They state that they are not trying to collect the debt from me and it is a closed matter, however it is reflecting negatively on my report. Please help me resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Action Revenue Recovery, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have 3 different collections with this company that can not verify the collections they say I owe one for XXXX another for XXXX an lastly one for XXXX I would just like them to take them off all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I Called  XXXX  on  XXXX   XXXX     2017 aft er sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say  XXXX  as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company  XXXX , I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to  XXXX  and EXPERIAN on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A  ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report.  XXXX  and Experain will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.

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 03-06-2017 about Debt collection (I do not know) with PMAB,LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous calls from this # stating i owe a debt ; when call back must wait 10 min. to leave message to send a written bill & DO NOT CALL ME AGAIN! They persist. Can not understand the caller when I 'm able to answer. I do NOT owe ANY debt I am aware of! Why have I not received a bill in mail? On web, this # is dubbed telemarketer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Late fee

Complaint: Comenity Bank who is financing my XXXX XXXX Credit card has been charging me late fees from paying the late fee late. 
I have no more balance from the purchase that I made worth XXXX, my balance right now is XXXX. All just late fees. 

XXXX XXXX, XXXX is my due date for the credit card, I paid the credit card XXXX XXXX so I was charged a late fee of XXXX I emailed and got the fee reversed because I was a new customer. I had a balance of XXXX from that XXXX original purchase but because I had thought I had set up my account for auto pay I was late again and my payment went thru on XXXX XXXX, XXXX. 

So i was charged another late fee of XXXX again which now they were not able to reversed. So I paid for it on XXXX XXXX. That was my only balance because I never used my card after that. But I did not know that they have added a minimum charge of XXXX on XXXX/XXXX/XXXX. So the next month I did not even check the account cause I was sure I had XXXX balance, I was surprise to see my bill they charged me another XXXX late fee of the XXXX ( finance charge ) balance that I did not know about. Added another XXXX on XXXX/XXXX/XXXX another late fee XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX minimum charge XXXX, XXXX / XXXX late fee XXXX minimum charge XXXX/XXXX/XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX. 

These are all just from the late fees, my purchases were all paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Barclay Bank XXXX Delaware allowed a fraudulent credit card to be opened in my name, after notifying them, providing a Police report regarding identity theft, documents showing that the account was not my account and opened without my knowledge, the representative was rude and stated that it was in her opinion that my wife Opened the account and that I needed to provide a police report naming her as the suspect for them to address my concerns, and that despite the numerous items that showed that the account was not mine, they continue to leave the account on my credit, it a damaged my credit score and continues to do so.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the XXXX XXXX XXXX, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

Company response to consumer: Closed with explanation