milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with AR Resources, Inc. (FL) (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have gotten 7 calls from AR Resources looking for a person who is not authorized to use our phone. I have called them three times and they told me they would take our number off their list. I keep getting calls so started to document. I received a call on XX/XX/XXXX at XXXX XXXX. I called them to report it, spoke with XXXX, who told me she removed it from the list at XXXX XXXX on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX I received another call. I called back again, speaking to a very rude XXXX, who said she removed my name from the list. I asked to be connected to a supervisor and she connected me to XXXX, who did not pick up. I left a message asking her to contact me. XXXX told me they were a call center. Please stop the calls - 7 times I've been told I was being taken off the list. After 35 years, I'm considering changing my phone number - that is not right. This is harassment. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been enrolled in an auto pay plan wit h Navient for th e past 2 years. I have made each payment on time and some months early. I called due to my financial situation changing ( we have a  XXXX  and my husband lost his job ). I am now the sole income for a household  of 3. I inqu ired on a hardship or reducing my payment amount so that I can make ends meet at home. I advised them I want to continue to pay and remain in good standing but I 'm not able to do so at this payment amount. I was bluntly informed there were no other payment options available and my payment was not going to be reduced because it is a private loan. I attended  XXXX   XXXX  when I obtained these loans through  Sallie Mae

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have received outstanding bills that have been paid in full. The bills and proof of the payment has also been attached. The bills have not been removed by the credit bureaus and have negatively affected my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I purchased a XXXX XXXX XXXX from XXXX of XXXX in XXXX of 2013 using a loan funded by BMW Financial. 
The agreement called for {$1000.00} incentive payment credit over the XXXX XXXX payments due. 
When I set up my payment account on the XXXX website it showed the ( XXXX ) {$500.00} credits towards the loan. 
I made the XXXX pro-rated payment. When I went to make the XXXX payment, the credit had disappeared from the account. 
I took it in good faith that the credit would appear and made the pro rated payment. After questioning BMW financial and sending a letter to them I received a response that indicated the dealer had withdrawn the XXXX credit. I was told that they had used an alternate vehicle to " write the contract '' for the {$1000.00} payment credit and then withdrawn the XXXX payment credit. I spoke with my original salesman and the finance manager at XXXX of XXXX after this revelation. The finance manager ( a woman ) was abrupt, admitted her employee made a mistake, said he 'd be counseled on it and basically said I had to live with it. 
By this time the payment showed as 30 days late and has continued to show 30 days or more late depending on when the payments are posted in the month. I have on XXXX occasions delayed payment and attempted to reengage BMW Financial and XXXX of XXXX on this matter. Approximately 2 weeks ago I went to XXXX of XXXX and spoke with XXXX XXXX the General Manager. He offered to send a check the next day for the misunderstanding ( contract fraud ) on their part. I agreed and decided to take on BMW Financial and the late payments on my own. XXXX XXXX did not keep his agreement and no check has been received. He/They have not kept their word on anything other than the delivery of the vehicle. 
My credit score with XXXX has gone from over XXXX to XXXX during this time and because of the issue. The other XXXX bureaus reflect a similar problem. ( Please note that on the day of purchase they said I had a " XXXX '' credit score with XXXX contrary to what I printed off and showed them. 
I offered to refinance the loan right after this was discovered however because of the late payment no one would refinance it even with the explanation. 
I respectfully ask that XXXX of XXXX pay all fees and past due amounts on this loan and that they engage the XXXX representative to have BMW financial correct the loan account to show as always paid on time, never late.

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

Complaint: Equifax mishandled my information which has led to a recent data breach that puts myself and over 143 millions of other consumers at potential risk. I am also extremely disappointed with how Equifax has handled reporting after this breach. Very little has been done to notify the public for nearly a month after the breach was detected. I received no phone calls, e-mail or mail communications from Equifax and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America automatically withdrew {$100.00} @ month for nearly 7 years under their Borrowers Protection Plan AFTER making it free for the first 12 months. They sent me XXXX page of the hundreds my wife and I signed proving we signed this plan as if we requested it. Not true. We did not request this plan and were unaware of its cost until we received a notice recently canceling the automatic withdrawal BPP amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company, XXXX XXXX in XXXX, Illinois, have made fraudulent charges using my name and social security, in which is reporting inaccurately on my credit report. I have filed complaints to this company and the credit bureaus and they have not responded. This company is under a lawsuit against other tenants that they have committed this unlawful act to. I have attached a Class Action Suit against XXXX to prove my claim. This account is showing as a negative account on my report, it is inaccurate and it is affecting my military career, in which I can not progress until it is deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collector reported to consumer reporting agencies without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and XXXX have reported that there was an address change that is not true. I have never visited, lived in or know anyone in XXXX, ca.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with ASTA FUNDING INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from Palisades Collection , L.L.C. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, XXXX was the original creditor. I have lived at my current address since XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Customer service / Customer relations

Complaint: I have a credit card through citizens bank. Recently I missed a payment and paid late. After paying everything off I contacted the customer support to make sure that everything was good. I double checked about all extra fees and costs, specifically asking them about any extra fees. The representative assured me that there would be no extra fees after paying the amount in full. The following month, I discovered that they had still charged extra interest on my account. I called customer support and their resolution was to not hold their representative accountable and to still charge my interest to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fees

Complaint: Amex XXXX prepaid cards charge the card holder {$3.00} per month re regardless of balance after 6 months of issuance. 

This is seems to violate usery and common sense. The longer Amex has use of the funds the more they make on the unclaimed balances on these cards. Charging {$36.00} in fees annually on a {$50.00} gift card is obscene and lacks any ethical justifications.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : National Credit Systems is not the original creditor or owner of this debt. It shows that it was XXXX XXXX. This company and their corporate office was contacted and stated they have no records of any DEBT ever owed in my name. Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX  continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages. National Credit Systems redponded to the last complaint I filed with CFPB asking me complete a Affidavit Idenity Theft form. Attached to the for they stated I should not share the form with CFPB or any other company or agency.???? Im sure due to them know they would be subject to exposure of violation of the law or my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with Uptain Group, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i disputed a debt with XXXX for XXXX dollars and it was closed and removed from my credit in XX/XX/2016. I received a letter from uptain group. inc trying to collect on this debt again after it was removed from my credit. I contacted these people and they tell me they will report it on my credit again they do n't care what I say.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I requested a loan from XXXX XXXX XXXX in XX/XX/XXXX and was approved for {$300.00} on the XXXX of the month. Every two weeks {$100.00} was taken out of my account and I was notified a couple days before every withdrawal, but when I tried to contact the company and access my account on their website to keep track of the withdrawals and the payment schedule I was denied access. I finally got through to a customer service rep weeks later and told them my problem. They set up the prompt for me to access the account and told me my ridiculously high interest rate. I was then able to see all of the scheduled payments all the way to XXXX of XXXX. I called back the rep and I had a lengthy discussion about why are all of these payments scheduled to be withdrawn. She told me the payments are to cover the interest i agreed to went I took the loan. I told her I was unaware of this and would n't have agreed to this if I knew, especially since the loan was for such a small amount. She told me I could pay off my loan at anytime, by paying twice what I borrowed. I do n't think this is fair and I 'd love for someone to look into what can be done for people like me who are being preyed upon in their time of need. I wanted a loan to assist with my car 's engine issue which is already {$4000.00} and for me to get {$300.00} and have to pay back almost {$2000.00} plus, that I did n't even borrow should be considered a crime. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was recently notified that I was denied for a HAMP loan modification. I was denied by ocwen XXXX per FHA guidelines. Per the Treasury guidelines for HAMP I have the right to have an explanation of what factors used to make the decision and I hereby request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates, per that same guideline. In addition I would like a line by line explanation of what gross income was used, what expense figures were used as well as where the value you obtained came from, because you stated you reviewed for all workout assistance and I received a denial way before thirty days. It seems to me you rushed your decision because not once did you reach out to me for copies of rental income and lease. The renters in my home are not seasonal they are very consistent in paying rent and have never missed. I can not you sleep at night, after this denial, my husband was diagnosed with XXXX and he is now XXXX. After working for 18 years at XXXX he was fired. I had to care for him during his year of XXXX. We were denied due to renters are seasonal. I would like to be able to show you that my renters are not seasonal. I would like to fax bank statements of rental income and a current lease. Unbelievable we showed you my husband XXXX award letter for the time he started getting his XXXX check after a year and half. Ocwen make FHA sound like so sorry for your bad luck. But after all of we do n't care. I believe this underwriter did not follow the occs guideline, please research this for me. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Self Lender Inc (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I work with two companies why is my credit score only going up XXXX point, I am a client of Self Lender and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I refinanced my home with USAA and did not receive copies of any of the loan documents that I signed. Additionally, I received {$310.00} less than the amount identified on my final Closing Disclosure form.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XX/XX/XXXX, a Collection Matter appeared on my Trans Union and XXXX credit reports, in the amount of $ XXXX Collection was an alleged amount owing to XXXX. 
I disputed this Matter, and it was removed from my XXXX and Trans Union credit reports, in late XX/XX/XXXX 
As of XX/XX/XXXX, the inappropriate Matter has been reinserted to both my Trans Union and XXXX credit reports, this time, under the name of XXXX. 
The amount of {$660.00} is the same, further proving this is the same alleged Matter, again misrepresented by another Collector. 
I ask that this inappropriate information be once again removed from both my Trans Union and XXXX credit reports. 
Should you have any questions, please do not hesitate to contact me at your earliest convenience. 
Again, thank you for your continued assistance with this Matter. 

Sincerely / XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a dismissed Chapter XXXX that has been removed from my XXXX and XXXX credit reports however, it is still reporting on my Equifax credit report. XX/XX/2016 the dismissed Chapter XXXX no longer reported on my XXXX and XXXX reports. I contacted Equifax and spoke with several representatives and a supervisor. The supervisor informed me I could call back XX/XX/XXXX/XX/XX/2016 to request the item to be removed as it would be closer to fall off date. When I called today XXXX/XXXX/2016 to request the item to be removed I was told it stays on report for 10 years. This is not was I was told earlier this year and it is not what the other credit bureaus are practicing. Any assistance you can provide is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A landlord is illegally reporting false credit information to XXXX and XXXX is refusing to validate the dispute. A judge ordered a judgement in the amount of {$2200.00} on XXXX and XXXX XXXX is reporting that I owe {$10000.00} and is refusing to remove this information even with a copy of the actual judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I did n't make these charges : XX/XX/2017 XXXX XXXX Il {$190.00} XX/XX/2017 XXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/2017 XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/2017 XXXX XXXX Ny {$160.00}

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 08-11-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$100.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Debt service trying to collect for XXXX Transportation Department before a law suit is filed. 
The number they tell me to call back is XXXX and the case reference number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Basically, the call does n't state whom they want to speak to. They only stated the following : They are from Municipal Services BureauThe phone call is not a Sales or Solicitationtopic is an Important matter - call XXXXSince I do n't owe any money and they think it is important, they should - specify whom they want to speak to and what the subject is about.and sent a certified letter to my address if they know. 

I have been living in the same address now for over 5 or more years.

Company response to consumer: Closed with explanation