milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, I learned of a security breach in Equifax. This lead them to advise me that my information may have been provided to unknown parties without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX accounts with XXXX with account numbers XXXX and XXXX. These accounts are closed and have a {$0.00} balance. They were both included in a chapter XXXX bankruptcy that was filed on XX/XX/2011, with reference number XXXX. Both accounts have a negative mark as '' failure to pay '' in XX/XX/2011. Under The Fair Credit Reporting Act, these accounts should not have any negative marks from the date of the filing date of the chapter XXXX bankruptcy.

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 Debt collection (Other debt) with Convergent Resources, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me the billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 03-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I feel that they should lower the rate to at least the current market rate at this time. Also take my home from under water and put me in a more affordable loan that I can pay monthly an not struggle to pay I have had to file an BK due to not being offered an decision for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I believe this is more of a problem with a potential creditor, and not Experian itself. I am not sure how to proceed, however, here is what happened. I applied for a credit card sometime prior to XXXX, just XXXX with XXXX. I did n't hear about approval so I called and inquired, and then followed up with a letter dated XXXX XXXX, 2015. My experian credit report notes XXXX hard inquiries spaced just weeks apart, XXXX XXXX, 2014, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. 

I know this is impossible because there would be no way I would attempt to reapply for credit in such a short time frame, so I have XXXX hard inquiries on this report that will be on this report incorrectly for two years from now. It is wrong, and I only gave permission for XXXX hard inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Carter-Young, Inc. (NC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The representatives do not identify themselves, nor do they completely verify their customers. When calling they only ask my name and date of birth ... how is this proper verification? Personal information can be shared with anyone who knows my name and birth day. When I call the company reps refuse to provide their names. They refuse to allow me to speak with management and I have also been hung up on several times. They yell at consumers. The mini-miranda has never been read to me verbally. After at least 15 phone calls made over the last year I finally found out the name of the rep that I have been speaking with.. He may have not been honest. He advised that his name was XXXX XXXX and that he was the head of the company ... XXXX XXXX if you are the head of the company you should not be treating customers in such a rude manor and be following the FDCPA collections laws. Why are you even handling a {$340.00} dollar cable bill if you are running the company? One agent was willing to offer an arrangement on XX/XX/XXXX and when I called back on XX/XX/XXXX I was completely disrespected and hung up on. XXXX XXXX yelled at me and I was threatened. Completely unfair practices by XXXX. XXXX XXXX is extremely rude and I plan on taking this issue as far as possible. All over a XXXX cable bill. I have never received a written debt validation notice. All XXXX XXXX wants to do is argue rather than helping customers. 
XXXX XXXX has made several false statements and misrepresentations. He has used obscene, profane, or abusive language. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have incurred loans through XXXX when I attended XXXX University as well as when I attended XXXX. During a period of hardship, my loans went into default. In contacting my loan servicer, I was advised that the only option I had available to get out of default was deferment. I also was not told that I had to call and resubmit deferment paperwork each year thereafter. If you look at my account, you will see that I have n't done anything else after this time period. My loans have continued to accrue horrendous interest rates, and I am still in school, attempting to gain my XXXX degree, and I owe over XXXX dollars. I am a mother of XXXX, please help ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: My first statement from the company was sent directly to my husbands ex wife at her address instead of mine which was provided on the application for credit. I was told by the company that this was a USPS problem but upon receiving the statement from my husbands ex, it was sent directly to her with no yellow sticker on the envelope & the USPS management not having anything on record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax hack that was found out late XXXX/XXXX/XXXX or early XXXX/XXXX/XXXX has possibly affected me based on what they have told me. They want to offer me free protection while waving my rights to seek action against them

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EQUIFAX is refusing to correct the release date for a state tax lien. I submitted the documents showing the correct release date of XXXX. On the reinvestigation report, EQUIFAX stated that the release date had been updated to XXXX as of today, it is still being reported XXXX which is incorrect. This lien has been paid on XXXX and has met the 7 year Statue of Limitations and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i called credit acceptance in the beginning of  XXXX  to notify them that i would be making a payment on   XXXX   to avoid towing/repossession and the customer service rep agreed. Credit acceptance than towed my car before the agreed upon date. on  XX/XX/XXXX  i made the payment as agreed + the additional towing charge and was promised that it would not be reported on my credit due to it being prematurely towed. on on   XXXX   XXXX   XXXX   i was alerted via  XXXX  that Credit acceptance reported my car as reposed and on the  XXXX  reported it as redeemed. i again contacted them and notified them of the error and was told there is nothing they can do and that it is not their problem.     another issue i have with credit acceptance is that they do not call me to notify me of  ANYTHING  my phone number is  XXXX  and they do not try and contact me at all. the only notice i received was via mail on   XXXX   that my car was due to be towed  ( the car had been towed the  week prior )

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 11/30/2016 about Mortgage (FHA mortgage) with Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the process of submitting paperwork for loan modification with XXXX Mortgage XXXX, after submitting documentation with Making Home Affordable to them with XXXX number XXXX, and received and signed by " XXXX, '' on XXXX/XXXX/16, XXXX mailed on XXXX/XXXX/16 ), when I received a foreclosure complaint from XXXX XXXX XXXX XXXX listed as plaintiff, by their attorney XXXX XXXX of Reimer Arnovitz Chernick & Jeffrey CO LPA in XXXX, XXXX, Summoned by XXXX XXXX with Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with VW Credit (MD).
Issue: Problems when you are unable to pay

Complaint: I XXXX XXXX hereby disputes the fact that VW Credit Inc still maintains a negative reporting item on my credit report, respectively on XXXX XXXX, XXXX and XXXX collectively. I originally closed on this vehicle loan on XXXX XXXX, XXXX. I was at least 30-days late on XXXX ( XXXX ) different occasions in XXXX. VW Credit Inc. has cut off at least 30 months of my payment history to give the indication that my first late payment was XXXX XXXX. However, the payment history for even that date has been successfully cut off. This process of extending the late payment history is known by the Federal Trade Commission and the Consumer Financial Protection Bureau as re-aging of debt. The account should have become obsolete based upon the 7-year rule of maintaining negative account information back in XXXX. VW Credit Inc. is in strict violation of my Fair Credit Reporting Act rights as well as all FTC and CFPB mandates upholding the 7-year rule. Accordingly, I demand either a complete payment history of the attached account, including copies of all payments, or the deletion of the account completely. I did protest this account with all credit bureaus, and I attach the most recent XXXX XXXX credit report to confirm that the account is still posted with at least 30-months of payment history cut off purposely. I demand this account to be removed immediately and permanently!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Fed Loan Servicing did not tell me about the REPAYE program for over 9 months after its existence, and after I had already submitted renewal forms for another repayment program that they recommended. This cost me {$4100.00} in extra payments. The transfer process ( into the REPAYE program ) was done with errors on their part, costing me {$4000.00}. Fed Loan Servicing says that I " should have known ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with INVESTORS BANK (NJ).
Issue: Trouble during payment process

Complaint: I have a conventional mortgage with investors Bank ( formally XXXX XXXX ) since XX/XX/XXXX. I paid down less than 20 % of the load which requires me to have a Private mortgage insurance. I 've been making extra payments on the account each month which reduced my loan-value-ratio significantly. My PMI based on the disclosure statement is due to be dropped in XX/XX/XXXX. In XX/XX/XXXX when my loan reached 80 % of the loan to value ratio informed Investors Bank in writing twice for a removal of the PMI. The last correspondence was XX/XX/XXXX. My loan to value ratio is currently at 73 % ( Original home value {$200000.00} with current balance less than {$140000.00}. They failed to drop the PMI, stating that it 's due to be removed in XX/XX/XXXX and that I need a new appraisal ( they will have an appraiser from their bank contact me. To date I 've not been contacted by an appraiser ) to ensure that the property have n't decreased in value. My question is, should n't the PMI be dropped automatically when conventional loan reached 80 % of the original value based on federal law?

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 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these accounts many times. These account does n't belong to me. I am requesting these account be remove from my credit 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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Every year since  XXXX ,  XXXX  charged me for software automatic renew service, I disputed with them successfully for 3 years consecutively, I disputed the same charge successfully in year  XXXX ,  XXXX ,  XXXX . This new year  XXXX   XXXX  charged me again on citi dividends master card automatically for no reason, I had discontinued the  XXXX  software service since  XXXX . By now they still charge me this every year! And cities bank card still try to collect more money beyond the   XXXX   XXXX   XXXX   charge, they add delay fees etc. It is ridiculous!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a collection on my credit from XXXX XXXX. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. XXXX XXXX is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Time Investment Corporation (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Time finance is still reporting this account as its still open.. however the account is charge off and the reporting it with a open balance ... I have reach out to them and explaining to them that this account needs to be remove especially if they have already charged it off

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX accounts with XXXX different companies I have disputed 3 times with Equifax. They are refusing to remove them.. XXXX XXXX and XXXX researched and have removed items after one dispute. I have called Equifax and spoke with a manager about my concern that they are not researching my dispute. He advised he could not do anything. Please help me! 

Dispute # 's XXXX & XXXX {$260.00} ... The billing department at XXXX office has no record of this charge. Billing manager advised she called collections company and they have no record of me. 

{$240.00}, {$240.00} and {$50.00} were all paid on the same day. 

{$80.00} charge was paid in the office {$77.00} charge was paid XXXX 2015, XXXX, manager at XXXX XXXX has called manager of collections company to remove me from their file. This was paid and should have never been transfered to a collections company.

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

Complaint: This company negligently stored user data without encryption resulting in my personal information being accessible to anyone online. I am now at a much higher risk of having identity theft in the immediate future, and possibly for my entire life. 

While they did not personally release this information, and the information was obtained through an illegal hack of their website, they had gross negligence when handling my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: I have attempted XXXX times ( First request XXXX/XXXX/15. Last request XXXX/XXXX/15 ) to change the business name on my American Express XXXX XXXX card by online chat and phone. I was changing from a sole proprietorship to another sole proprietorship, so it should n't have required much new information. XXXX times, I had been assured that the changes have been made and I could expect a new card in the mail with the new business name within 7-10 business days. This has not happened. 

Also, I had recently received a new card due to fraudulent activity on my account. Since then I have been having great difficulty verifying my account. XXXX out of the XXXX times I 've contacted Customer Service, I 've been told to have the primary account holder make the business name change requested, however I am the primary and only user on the account. I suppose there may be some confusion because my XXXX name is on the account and my shortened first name is on the credit card, but it 's like confusing the difference between XXXX and XXXX. XXXX and XXXX. XXXX and XXXX. I would assume they would have the common sense to know that the XXXX names belong to XXXX and the same person. It 's terribly frustrating. When asked what needs to happen to avoid this in the future, I 'm offered no solutions. 

When asked what is preventing me from making the business name change on the account they place me on hold or reply in the chat to 'wait one moment ' but all I 'm told is that the changes have been made when it has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014 I went through taking out a mortgage with US Bank. I used them simply because I had banked with them for 20 years and thought it should simplify the process. It did not. The process was painful, rattled with errors and lack of accountability on part of anyone at the bank or in the mortgage underwriting/processing division. Part of the mortgage was taking out a HELOC so we could avoid the PMI insurance and keep some money in our savings account versus draining it. When discussing with the mortgage advisor at US Bank ( XXXX XXXX ) he gave us the option of a HELOC since the interest was only about 30 % the cost of what the PMI would have been. We agreed and discussed that we only wanted the loan for a year/wanted to be done with it quickly vs dragging it out. He assured us that was n't a problem and that it was an interest only loan allowing us to pay it back on our own timeline/as long as we needed. Two weeks ago we went into the bank to pay it off/close it down to release the lien from our home ... and they told us that since we were closing it so soon we had to pay a {$500.00} penalty for paying it off early. A {$500.00} penalty for paying off a loan early?? This is something the CFPB should focus on with big banks. That should be beyond illegal. This encourages debt/the debt cycle. This also goes against the mortgage seller at the bank and what he told us. Either he lied ( frankly most likely considering the process and how I ca n't believe that team is allowed to lend large sums of money ) or he was uneducated. Either way, it is the responsibility of the bank to deal with it. I received a customer service response to my complaint saying that they are sorry and they forwarded my note to XXXX and his Manager to respond to/address. It has been nearly 2 weeks and no response. Not that I expected it but did ask for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (CA).
Issue: Managing the loan or lease

Complaint: A XXXX XXXX from Pioneer Recovery Services ( XXXX ) has called at least XXXX co-workers -- on their cell phones -- which is in direct violation of the Fair Credit Act.

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