milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Unknown late payments XXXX BANK XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to

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 02/21/2018 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I've been making monthly payments to Rushmore Loans, Rushmore Loans is Foreclosing my property saying I was 4 payments behind on a previous mortgage. I faxed Rushmore Loans all my mortgage reciepts of payments from present to past XXXX XXXX from Rushmore Loans said that it wasn't enough information that I have to contact my previous mortgage XXXX XXXX to get and update. When I called XXXX XXXX and faxed my mortgage reciepts and explain my situation XXXX  XXXX said it's out of there hands and it's Rushmore Loans that has to make an decision.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed 2 items on my credit report from the company. I got a letter stating that the information has been verified but they have not provide any proof to how this was verified. 

Disputed on XX/XX/2018 for {$660.00} and {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to receive a free credit report from either XXXX or Experian. I 'm under the impression that the verification questions are fraudulent and not allowing to view my report.

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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX/XXXX/2015 I requested and received a copy of both my XXXX XXXX Report and my XXXX report. I did not request a copy of my XXXX report until today, XXXX/XXXX/2015. When I made this request I received the message thay I had already received a free copy of my Experian Report. This was incorrect I have not received a copy of my free Experian credit report. Earlier this year my bank, XXXX XXXX, offered me, and I accepted access to my Experian Report thru a link on their website. I had to XXXX log in to my account online from which I clicked on the link provided ( XXXX, XXXX, Experian Credit Report ) and enter the passcode I was given, by the loan officer at my XXXX Bank here in XXXX, VA, to gain access to my XXXX XXXX XXXX 5 times over a period of 80 days. This was in no way connected to my right to receive my annual free copy of my Experian Credit report. 
Thank you for your time and attention paid in dealing this matter. I will look forward your response. Thank-you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Bank of America, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Bank of America have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.

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 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me a deadbeat, and refused to let me speak to a supervisor. Then the following day I received XXXX calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My son took out a total of {$120000.00} in student loans with Discover Financial beginning in XXXX through XXXX. I was his cosigner, since this was the only way he could be approved to borrow money to further his education. Being this was my XXXX child to attend college and we were never educated on the negative impact private student loans came with, we now owe Discover {$170000.00}. The loans came into repayment in XXXX XXXX ( with over XXXX in capitalized interest added to the principal of the loan ). The monthly payments my son is required to pay are {$1600.00}. He is unable to afford these payments since he also is paying Navient student loans and federal loans ( which are both affordable ). I am also unable to afford to pay the Discover loans because within the past few years I got divorced and now my income is not sufficient enough to afford {$1600.00} per month. We have contacted Discover time and time again begging them to renegotiate the loans and make it affordable for us to make payments. We are not deadbeats and want to make payments, however they wo n't budge or offer us any reasonable alternatives. We were advised by them that until the loan defaults 6 months they wo n't help us. I do n't understand why a company wo n't help out the people that have good intentions to pay until they have ruined your credit and harassed the XXXX out of you. If my son was able to get the dream job that his college degree is in ( XXXX ) there would be no issues. But since the XXXX XXXX XXXX has changed their hiring procedures and now they hire people off the streets instead of from a prestigious school like the one my son went to, he is suffering with mounds of student loan debt and no opportunity to work in the field of his degree. Please help us - what can we do to get Discover to work with us and reduce the principal of the loan, reduce the interest rate and renegotiate the terms to extend the life of the loan so we can begin making affordable payments. I believe they overlend to students who are desperate for a good education and then they bully you with exorbitant interest amounts added on which increases the loan making it unaffordable. They want to ruin our chances of ever being able to make affordable payments because nobody will even consolidate that amount of loans. We are in a no-win situation with them. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a XXXX ( " XXXX '' ) XXXX issued by TD Bank, which has been open and on auto-pay with no issues since XX/XX/XXXX. On XX/XX/XXXX of this year, my automatic payment went through as scheduled but was returned from my bank due to a checking account error. As soon as I saw the returned payment on the XXXX XXXX online management page, I sent an additional payment to ensure that I would meet my minimum. XXXX charged me a {$27.00} fee plus interest for the auto-payment. I called XXXX support and asked for a courtesy refund of this fee. The representative initially agreed, and then after putting me on hold, said that she was only able to assist with late fees and since I had already made another payment she would not be refunding the {$27.00} fee. I transferred to a supervisor with the same request, who said this was not refundable because it was a returned payment and that I would need to speak to my bank to get it waived. I called my bank and spoke with a representative who said that they are not able to help and have no control over the fees on the XXXX, Now I 've been bounced around by the support from XXXX and I still have the additional fees and interest!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted XXXX numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Auto finance 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 non-monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: Dear Sirs, I need your assistance after several attempts to have XXXX Equifax, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX, Equifaxand XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my Equifax stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Hope you can be of assistance. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX 2016, I was on a business trip in Illinois. I called XXXX XXXX, my flight carrier, to change my return trip to XXXX. I was originally scheduled to fly back the next day, but I wanted to fly back that same day instead, if there 's any flight available. The XXXX XXXX customer service rep initially said that there is a flight available on that same afternoon and she could change my reservation but a change fee of {$220.00} would be incurred. I said sure go ahead make the change. After she made the change and my Amex credit card was charged with the change fee, she came back and said that she made a mistake and the flight that she found was from XXXX to Illinois, not Illinois to XXXX. I told her to undo the change to my reservation and she did. My flight reservation was back to the following day as it was originally scheduled. However, she said that she 's unable to reverse the credit card charge and she will instead send me a travel certificate good for one year. That 's unacceptable to me since I have no plans to fly XXXX within the next year nor can the travel voucher be used for a non-XXXX flight. Since this is completely not my fault, I feel that anything less than a full refund to my credit card is unfair, which is why I immediately disputed this charge via my credit card provider, American Express. On XXXX XXXX 2016, American Express closed the dispute without sending me an explanation. Upon my calling their customer service center, I was informed that they do not have the ability to compel the merchant to reverse this erroneous charge and that since the merchant has refused to do so, I am liable for the charge. I feel that I am left with no choice but to appeal to the CFPB for help in this matter. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The Statute Limitation on this account has passed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went online to receive my " FREE credit score & {$1.00} credit report ''. I was also, unbeknownst to me, signed up for credit monitoring etc, at the rate of {$17.00}. I feel like this is a shady and fraudulent practice, because I was allegedly aware of the product I signed up for based on size XXXX font in a noticed designed to look like an advertisement on the bottom right of the screen, that was n't even part of my browser window without scrolling. I called the company to dispute the claim. It took me awhile to unsubscribe and they refused to refund my money since I had used the service ( I had to log in to find a phone number to call ) and had been made aware of the service on the XXXX screen of the process. Very shady and I want to say fraudulent practice, since I did not knowingly give them permission to charge me for the service, nor did they provide any paper work or notification that I had signed up for a trial-turned-paid service. It really XXXX that the company that is used to protect you against fraud is fraudulent itself. What I authorized for purchase was a {$1.00} for a " free '' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX I learned from a press release from Equifax that my personal information had been stolen. This includes my name, date of birth, social security number and potentially my credit card numbers. This breach occurred due to Equifax storing my information in a insecure fashion. Per Equifax this breach occurred XXXX through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BC SERVICES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt is a XXXX bill which I do n't owe doing the time of this electric bill I was homeless living with friends and motels. I sent certified documentation to XXXX XXXX and the collection agency along with a 30 day dispute letter demanding that this be removed from my credit. 
I have been getting the run around from the collection agency ( BC Services ) with no response from either. the dispute letter was sent to both parties on XXXX XXXX, 2015. On XXXX XXXX 2015 I call BC service and was told they received my documents and the it was now in there dispute department to call back in two weeks. I did so on XXXX XXXX and was told there was no documentation showing where is living before. This is a false statement by them, records of hotel bills where sent at the same time to both parties. This is the XXXX collection agency in less then a year trying to collect and each XXXX I have sent dispute letter with no response. I feel this practice of holding on to debt for a short period time and then selling to another agency is unethical practice and should be investigated and stop.This has cause me to not get a loan from my credit union.

Company response to consumer: Closed
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with Brock & Scott, PLLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was recently served a civil summons from the XXXX County Sheriff 's department. The collection agency listed on the summons was an agency called Brock and Scott.  Prior to the receipt of this summons, I did not received a notice of my right to dispute. I was not even given the opportunity to challenge the debt prior to a XXXX County deputy showing up on my doorstep. Additionally, I live in XXXX County so this company did not even file the paperwork in the proper county.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (I do not know) with CITIBANK, N.A. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: No contract with them. 
No idea what this is even suppose to be a debt from. Clearly isn't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Other type of mortgage) with Fidelity National Financial, Inc (AL).
Issue: Trouble during payment process

Complaint: in 2004 my ex husband sold our family home the loan was obtained by fraud .lapd documents and court papers to substantiate the claim chicago title were the insurance company and after 3 years of court i was given the home back as my own property as well as a judgement for XXXX from chicago title at that point chicago title had me agree with a balloon payment for XXXX under duress chicago title had me agreeing to a 5 year balloon payment, instead of going after my ex husband the perpertrator then in 5 years one of the lawyers for chicago title made an agreement for XXXX payment for back property taxes in exchange for deed, now at this point a rental agreement for the property, i have paid over 90000.00 and facing an eviction and have been made an offer to by my home for the XXXX

Company response to consumer: Closed with explanation