milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had my home inspected XX/XX/XXXX and everything was fine. I signed up with XXXX XXXX XXXX firm in order to manage my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, from XX/XX/XXXX - XX/XX/XXXX. The firm found a renter for my property beginning XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX the tenant racked up approximately {$4000.00} in maintenance repairs. I continually complained to XXXX XXXX and after speaking with the broker he decided to terminate our relationship because I informed him that I may have to contact the State Attorney General 's Office. Several things were not done, and the broker stated that I should be happy to have them take care of my home even though I paid XXXX money to complete repairs before the renter 's moved in. In addition, it was against the contract for renters to work on anything in my property. I was unable to switch to a new management firm until the sewer line was replaced. XXXX quoted me a total of {$4200.00} and I used the same contractor but was charged {$3400.00}. Currently, I have XXXX 's quote and my quote from the plumbing company in writing. I fixed the line after leaving XXXX XXXX XXXX and began working with XXXX XXXX. XXXX did not contact me regarding any bills from that point forward. XXXX XXXX billing office released all funds ( Security Deposits ) to the new management firm, so why did they place a statement on my credit report stating that I did not pay something. I do not disburse funds, they do! XXXX has my address because I do not live in XXXX, GA, and every billing statement has my P.O. Box address on it. XXXX XXXX can not use the excuse that they sent the bill to the renter 's address when they know I do not live at this address. I want this negative charge off removed from my credit report. The home is co-owned and another letter will be submitted for my mother XXXX XXXX regarding her credit report and the negative statement that XXXX has wrongly placed on our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: According to Transunion, XXXX XXXX XXXX  XXXX XXXX, TX did 4 HARD inquirys in less than 2 weeks. They did 3 in less than a week. This is obviously not correct. In fact, when I was getting approval for the auto loans I specifically ask and they specifically told me they would only have to do ONE hard inquiry. Plse help in this matter. 

Hard inquiry 1 XX/XX/XXXXHard inquiry 2 XX/XX/XXXX Hard inquiry 3XX/XX/XXXXHard inquiry 4XX/XX/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 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company has reported a collection which is not mine. Please remove

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 05-03-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt is for breaking an apartment lease. They want 2 months rent plus clean up and {$600.00} to change a carpet ( which is the one part I am trying to fight ) ..About  XXXX  all together for the debt. This debt collector is beyond harassing. The first day they reached out to me was on    X/XX/17      at  XXXX . I missed the phone call, they left a message on my voicemail which SPECIFICALLY says 'you have reached  XXXX   '.  I called them back by  XXXX  to talk to them. Within that half hour, they already called my parents and brother to find me. REALLLY? Not even 30 minutes and they are calling my relatives to find me. They knew they had the right number, my name was on the voicemail. I called them back within  XXXX  minutes, this was before I knew they called my family. They have called me every 3 days from this point as if I have never spoken to them. I told them that there was a specific charge within the debt ( changing a carpet that was perfectly fine when I moved out ) that I dont think is fair. Instead of going back to the client to negotiate, they just flat out refuse and said I am not in a position to negotiate and that I had to prove that the carpet was fine. They also said its all part of the lease. **new carpet is not in the lease*** carpet cleaning is in the lease for around 100.. AND for them to say Im not in the position to negotiate, thats exactly the position I am in, to negotiate. They act as if they want to help, the guy said what can we do to fix this. When I tried to negotiate that one point, he didnt even want to talk about it. So apparently, they dont want to help. they want the whole amount. I am now on the federal do not call list, and they are still calling. As I said, its every 3 days. I speak to them every time they call.. they are very harassing. They refuse to cooperate on anything. I never refused to pay the whole thing, If I am questioning the carpet, shouldnt they be required to discuss with their client? Apparently when they say that if anything is incorrect to let them know, they dont really care.

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 04/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I began having problems with Fedloan Servicing just this year, and these problems include errors in recalculation for  XXXX , removing me from  XXXX  and placing me in to forbearance, cancelling out a request to be put back on  XXXX , and incorrect certifications or refusal to assist in certification, of work eligible for PSLF.     IBR Issues   XXXX   XXXX   XXXX   XXXX   XXXX   I electronically filed annual re-certification using tax documents. My payment went from {$48.00} per month to {$290.00} per month.     XXXX   XXXX   XXXX     : I electronically filed to recertify and followed up with the proper paper income documents. They removed me from  XXXX  ( to be fair, I checked the box saying to put me on the lowest cost plan, then scribbled over it and checked the  XXXX  box ) and put me into forbearance status.     XXXX   XXXX   XXXX   : I electronically filed to recertify and mailed in the required paper income documents.     XXXX   XXXX   XXXX   XXXX   they sent me a letter saying they could n't process my incomplete informatio n ( from my electronic filing which gives the opportunity for me to finish by sending paper income documents ).  They only gave me  XXXX  days to mail and them receive the documents.     PSLF Issues : I have dates from subbing that they will not help with. I received a letter stating that they cancelled out a recent request because I did n't get it signed by the company. I did n't get it signed because they wo n't certifiy it, and because I checked the box that said I ca n't get them to certify it. I am sending them a request and  XXXX  forms, and a letter to see what happens.   I am also sending them a letter for dates they did n't credit me with my current employer, along with a letter.     I am using  XXXX  and PSLF because I am in public service and ca n't afford high loan payments. I want to get my loans forgiven. There is a constant stream of letters and mistakes from just this year, and I just do n't need to be babysitting this loan constantly. I am frustrated and would like someone to see that my loan will be returned to  XXXX  with an affordable monthly payment, and that all of my  XXXX  and PSLF forms are being processed with care, and that I am not having to resubmit these things over and over.   Thanks,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (GA).
Issue: Trouble during payment process

Complaint: We refinanced our home earlier this year XX/XX/XXXX.During this process we discovered that the new company that 's servicing our loan had some extra fees involved to get the loan closed.When we asked what were these charges for they told us it was for unpaid property taxes that was due in XXXX that our previous mortgage company was suppose to pay out of our escrow account.We would n't have never knew that our taxes was in default in we was not trying to refinance our loan..I 've tried to settle this with my previous mortgage company and they are saying that they are not paying the back taxes back to us.We have provided proof that they have now been paid and we just want to be reinbursed for the money we had to pay which was their job to pay in out of our escrow account.Any kind of help with this matter will be greatly appreciated

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Other

Complaint: I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/XXXX i had a auto loan with Capital One Auto Finance, i made all payments on time, in XX/XX/XXXX i lost my job, I call Capital One Auto Finance and let them know i lost my job, they told me to make one last payment in XX/XX/XXXX, then i can give back the car and i would not owe anything, i did what i was told, i never receive any bill for payment so i guess everything was ok, i made arrangements for them to come to my home and take the car, now XXXX later on my credit report there is a charge off account for {$6900.00} which is harming me from getting anything any credit. I do n't understand how Capital One Auto Finance can get away with such illegal stuff, they talk to me so good took the last payment and i let them come to my home and get the car. then put that on my credit.Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (TX).
Issue: Fraud or scam

Complaint: I purchased a Reloadit pack to load money onto my XXXX card. Their website said they supported XXXX. Tried to perform the load and got a message saying that my card had to be verified. Waited a couple of hours and the verification had n't yet occurred. Called customer service and was told that it would take 4 hours. This should have been mentioned on their website. 

Tried to perform the load the next day. Still did n't work. Found out through calling customer service that they only support certain XXXX cards. Again this was not mentioned on their website. I asked how can I get my money back and was told to purchase a PayPower card. I searched for locations to purchase the PayPower card and none of the listed locations sell it. I asked customer service about a refund. They told me it would take 30 days to receive it. Nothing they 've promoted has panned out so I have no reason to believe that I will receive my refund in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? and there is a loan fro XXXX? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just XXXX of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.

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 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Up until recently ( XX/XX/2015 ) I was a member of the Experian bureau 's online credit tracking. For the past 3 years, I used the site as a measure to help work on my credit. When I first started, based on the credit tracker, my credit score was XXXX. This site provided a great resource in showing what accounts were negative or what kept my credit score low. As I began to work on my credit, based on the report provided by Experian 's online credit tracking, I started to see improvements in the score it provided. Now 3 years later ( XX/XX/2015 ), based on the site, I have a credit score of XXXX. I felt comfortable with the progress I made and used the information ( Credit Score ) the site provided to determine whether or not to apply for loans and credit cards. I recently applied for a Small Business line of credit with XXXX XXXX. Unfortunately, I was denied due to my credit score. Once I heard the news I was shocked. Then I received the letter from XXXX XXXX saying that my credit score reported from Experian was a XXXX! In disbelief, I checked to see what my score was around the time XXXX XXXX pulled my report. XXXX XXXX pulled my report on XX/XX/2015. I did n't pull my report on XX/XX/2015. But I did pull it on XX/XX/2015 and again on XX/XX/2015. On both dates, my score as reported by Experian was XXXX. I would like Experian investigated for providing false information or for misrepresenting their online service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX inquires on my Equifax report that are not mine. I never authorized these inquires and I have called time and time again and also went on like to have them removed from my report. I want my credit report to be as accurate as possible. 

Attached is a list in alphabetical order of all inquires that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Almost two months ago I attempted to open a Navy Federal checking + savings account. I went through the entire online process without issue and was not notified of any problems. I deposited at that time {$95.00} into a checking account, {$5.00} as required into their savings. Approximately two weeks went by and after receiving no email contact, phone calls, or snail mail, I called in. I was told that they needed to verify ID and proof of address. I said, great, not a problem, got the ID number XXXX, a fax number, and sent the required items over. Again another week or two went by, zero communication, zero notification of any problems. I called in yet again. This time I was told my ID did n't come through OK. I told the woman I spoke to, fine, I 'll email it directly to the pertinent department. On XX/XX/XXXX, I sent a scanned, high resolution copy of my license, along with access code XXXX to XXXX. No response. Crickets. No mail, no phone, no anything. Yet again I call in to get a status update. Apparently that email, despite going to the precise email address provided - and despite having CONFIRMATION that the email was sent, apparently went into an abyss. I told THAT woman that either this gets resolved on the phone today ( at this time, late XX/XX/XXXX, more than a month after attempting to open the account ) or the account is closed today. The relevant department did not find the email and did not provide a convenient means to provide that information for a third time, thus I immediately demanded closure of the account. Closure was GUARANTEED. REfer to the XXXX recording that you supposedly keep. And a check in the mail was to be sent. And yet on XX/XX/XXXX I receive a letter in the mail requesting ID and proof of address to be sent. Which btw, was quite literally the first communication from Navy Federal to me at any point in this two month process. All other communication was me having to get in touch with Navy Federal And on this call, I 'm told that I need to show up at a bank location to close the account and get my XXXX money back. I 've wasted multiple hours and now I 'm being told a simple closure process that gets me my XXXX money back requires wasting MORE time as you are n't around the XXXX corner. I WANT MY XXXX MONEY BACK AND I WANT YOU TO LOSE ANY AND ALL OF MY INFORMATION If that does n't happen, I 'm taking everything viral. I have consumer 's list of 100k that I will put this story in front of and I will incentivize it going viral if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX Freedom Mortgage sent me the annual escrow disclosure statement with wrong information and charges. On XXXX XXXX I sent them a request to try to fix the issue, I supported my request with XXXX XXXX of XXXX XXXX tax collector print out showing the correct amount due. On XXXX XXXX I received a letter from them indicating they received my written inquiry and that they will be reviewing the information and to give them 30 day to respond. On XXXX XXXX I received a letter from them indicating they are conducting further research and they need 15 more days where a written respond will be sent out by XXXX/XXXX/2016. ( It seems they failed to comply within the time frame they set ). 
On XXXX XXXX I did my regular monthly mortgage payment but I did n't include the unjustified new charges since it was under review since XXXXFreedom Mortgage refused to credit my account for this payment and they call me every day demanding the full amount they where requesting. I felt harassed, so I paid them the extra money they demanded and on XXXX/XXXX/2016 I sent them a request to cancel my escrow account since I have a conventional loan. On XXXX XXXX I received a letter from them indicating they received my request and they need 30 days to respond. During this process I was trying to get in touch with someone who can resolve this issue and kept receiving a promise that a manager will contact me, but never happen. 
Now XXXX payment is due and I do n't want to keep paying for someone 's mistake. As of now I want them to cancel the escrow account, I will be responsible for paying the tax and insurance on my account and refund me whatever they have in this escrow account. 
I really appreciate if you can help me resolve this issue with them. I could be reached at XXXX for any questions.

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 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid my credit card bill, the payment was accepted and then overturned. There was no reason given for why the payment was recieved, accepted then overturned.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion incorrect information : XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX incorrect information XXXX  XXXX - ( XX/XX/XXXX ) XXXX - (XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation