milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did everything I can do to work thing out with Equifax for changing the comments and the payment history cause a negative change it my credit report. That little change cause a big change on my credit report and I clearly sent over the documents to prove what happen to my account and Equifax did nothing to help me. Equifax open up a new dispute that can take 30 to 60 days. Taking me out of business I can not believe this just happened to me. I ca n't sleep eat I am about to lose everything I work because of this. All I ask was to remove the account until XXXX responds back to your dispute. Why do I have to suffer. I even open up a case with the Attorney General I might have to get legal help to get threw this. Equifax you 100 % made this error I ca n't believe you did not help me and I sent you over all the proof. Account changes, credit score changes with dates what else do you want from me. I attached the dispute that Equifax just open up and also proof I made a compliant to the Attorney General. I feel like I am in a nightmare and can not wait up. 6 years down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with DCN Holdings Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXXXXXX XXXX XXXX CALLED MY HOME AFTER TELLING ME WHO THEY WERE TOLD THEM NOT TO CALL ME AND HUNG UP CALLED DENTIST OFFICE THAT REFERRED XXXX XXXX XXXX THEY GAVE ME A DIFFERENT TOTAL - DISPUTING NOT INFORMED LEFT MESSAGE FOR MANAGER - COLLECTION OFFICE CALLED AGAIN TODAY - HUNG UP PHONE THEY CALLED ME BACK STATING WANTED TO VERIFIED ADDRESS - GAVE THE ADDRESS REPRESENTATIVE TOLD ME I HAVE A WEEK - THEN LAUGHED AND HUNG UP PHONE/

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 08-04-2017 about Student loan (Private student loan) with The Regional Adjustment Bureau, Incorporated (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX, I was informed I had an account in collections with Regional Adjustment Bureau since XX/XX/XXXX. I was never made aware of this loan or this debt upon leaving the school.This debt was sold to RAB from XXXX XXXX XXXX. I attended this school in XX/XX/XXXX and was unaware of this loan. I was aware of the XXXX XXXX, but no additional loans. This debt has not appeared on my credit file and when I spoke with XXXX from RAB on XX/XX/XXXXand asked him to verify the address and the phone number they had on file for me, he gave a relatives address in which I have never shared and a phone number which belongs to an old friend, that has never belonged to me. I then requested verification of this debt so I could rectify it and restart with the school, I received something other thanverification and have been receiving 5 or more phone calls a day and voicemails that are 3 minutes long  where the representative is not talking but I am able to hear the other agents in the background talkin to other customers, I am able to hear the a rep in the background verifying another customers information, and further requests for verification of this debt have been ignored.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

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 05-06-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WI).
Issue: Struggling to pay mortgage

Complaint: freedom mortgage, raise my payment  XXXX  a year more with out explaining why. when i call them usually the first rep agrees there is a problem and cant figure why there are charging me  XXXX  a year more on my escrow account, i have talked a few times with the city about this and they say my taxes only went up  XXXX  for the year and tell me my mortgage co is the problem, my inssurance hasnt increase either, so fereedom morg. flag the problem for investigation twice so far and keep saying there is a short somewhere, but cant figure out where, esspecailly since i have not had any increases of suggnificants, i have ask them several times for a letter explaning this increase, but i get no responce. freedom mort. recently took over my mort from another company. i had no choice in the matter, so somewhere they  XXXX  up keep saying there is a short somewhere but cant tell me where ( i have called over  12 times n ow ) this exra  XXXX  a month is becomiong a burdon on my family. do i have any rights? can i sue them?

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 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: Payday loans are not legal in NJ and their rate is over what is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I'm trying to get my vehicle returned to me but can not get anyone on the phone or my messages returned. The company is GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Credit Bureau Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CBCS IS TRYING TO COLLECT FROM ME A DEBT I DO NOT OWE AND I HAVE NO CONTRACT WITH CBCS FOR A DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Currently I am undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   XXXX  but frankly same old, same old. The reports still reflect incorrect information and wrong information not reflecting paid accounts and   XXXX   balances from months ago. In fact my score has not reflected positively due to this. Opinion- forget all they hype someone creates the scores and by experience they are being evidently manipulated to cause me to pay more. Someone has to have responsibility! You can not pay and go down or stay the same!

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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I received a letter fro m CITI sta ting that they are refunding from an add on that I did n't order. The letter states to go to and submit a claim for refund. A reference number was provided. But when i went to that website it says " website can not be found ''.   Is this a scam? I  XXXX  and saw that  in 2015 Citi wa s found to have to refund  XXXX , but this is the first I 've heard of this and obviously ca n't do anything about it.

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 07-08-2016 about Debt collection (Medical) with Account Managers, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They are still on my credit report and should n't be

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 07-12-2016 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: IN SPEAKING WITH XXXX XXXX AT XXXX., I ADVISED HER TO REMOVE MY WORK NUMBER FROM THEIR LIST. AFTER SPEAKING WITH HER FOR A FEW MOMENTS SHE THEN TOLD ME SHE WOULDNT REMOVE MY WORK NUMBER AND HUNG UP ON ME. ANOTHER EMPLOYEE NAMED XXXX SAID A SUPERVISOR WOULD CALL ME BACK TO ADDRESS THE SITUATION, SHE COULDNT HELP ME. THEY WERE VERY UNPROFFESSIONAL, EVEN YELLING AT ME, " TO PAY MY BILLS ''. WOULD NOT LET ME SPEAK, SHE GOT LOUD WITH ME TO DROWN OUT WHAT I WAS TRYING TO TELL HER. THIS DEBT IS FROM 2000. IS IT STILL LEGAL TO COME AFTER ME IN THIS MANNER?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Other type of mortgage) with Seterus, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: While I was still making payments, XXXX alleged that I stopped making payments and sought foreclosure. XXXX XXXX XXXX XXXX is now foreclosing on me using the wrong information supplied by XXXX and Seterus.

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 07/22/2015 about Debt collection (Credit card) with Radius Global Solutions LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was contacted several months ago to take care of a debt that I owe. I reached a debt settlement. However, I never received a debt settlement letter. I have made repeated attempts to retrieve such letter. I have been told that a letter have been sent out, however, I have not received any such letter. Every month, money is being deducted from my account. However, I am not sure that the debt is actually being paid off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with BB&T CORPORATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I got a loan modification on my house and I thought the bank put the money that was owe on the end of my loan but they actually put a lean on my house. The company that the back out source my loan with went bankrupt. The bank claim that they do not know anything about lean. I want the lean removed and the debt cleared.

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 05/22/2017 about Debt collection (Federal student loan debt) with AES/PHEAA (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Fe  dLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount du e, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no received and disputed this debt XXXX times from XXXX. Every time I ask for verification of the debt, they have just stopped calling. The latest debt collector, however, did provide a verification but it has no detail at all so I ca n't figure out what the charges are for. I had a XXXX account at that address but everything was paid in full when I moved. 

Now the item has been reported to my credit report despite my continued disputing of the debt. And despite requesting to only be contacted in writing, they continue to call about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I Have tried numerous tries to have a request of increase line of credit. We pay on time every month never have been late. Most of the time pay more than the monthly payment but every time I request the CIL I always get the same response back stating we are no eligible because the monthly payment is not more than amount of the monthly payment. Well I was reviewing their XXXX page reviews on XX/XX/17 and came across one of another consumer thanking them for giving her a credit line increase she mention on her post she was at the limit of her balance and called Capital one for help which at the end they did increase her credit. ( her post on capital one was on XX/XX/17 at XXXX ) I understand her circumstance and glad they were able to help in the time of need. But does n't justify the way they have been treating us and who knows how many other people. I strongly think this is race discrimination, they are not being equal to all consumers. I hate to say it but that 's how we feel. This my second complaint on capital one with you all the first one was a bunch of XXXX response they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Trouble during payment process

Complaint: Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling back to back within the same hour from blocked/unknown number

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 10/18/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: Based on our correspondence and feedback from SPS, We have questions and serious concerns that we need to address in a timely fashion from SPS and alleged Foreclosure Mill, which have change hands several of times. We totally reject to all the alleged responses from SPS. These are the reason why ( A. ) W e was not aware of Foreclosure Sale Postponed on XXXX XXXX, XXXX, We request for proof of discovery, As we know the property can not convert over the note Holder in Due Process. However based on the information on the foreclosure sale, that allegedly took place place on XXXX XXXX, XXXX. We also requested the law firm to provide proof of evidence from the Auctioneer and the courts for proof of presale and new purchase deed showing on record as new instrument. ( B ). Based on Preditory lending towards XXXX XXXX, which the loan was diflated libor rate and so since the alleged loan was transfer to XXXX XXXX XXXX/SPS Allegedly amount owed was part of preditory lending, that SPS company pursue and is now denying any activity in response to this matter. We reject to SPS claim and merit and there false allegation. However as far as we concern, the Attorney Foreclosure Law firm is in violation of the FDPCA. as debt collector and purchasing our property for gain, which falls under theft by Deception and Ultra Vires.This case is still valid due to the fact, SPS is acting now as a pretender lender, that is facing lawsuits in preditory and truth n lending, Dodd Frank. ( C. ) Returned of previous payments needs to be address, based on SPS is the third party debt collector with no license in the state of Maryland as a debt collector.Which clearly is not the Holder in Due Process, also in violation of the FDPCA against all parties /substitute Trustees/Attorney 's. Therefore all payments must be returned and foreclosure must be vacated until this thorough investigation is fully disclosed to satisfaction. ( D ). Based on Servicing Rights, which clearly does not give SPS authority to act in the position as Servicer to this property. Based on the documents receive from SPS showing the documents dedacted inlegible. Based on my credit information, the loan was paid offand discharged thru the Bankruptcy since XX/XX/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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and 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 07/17/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Closing on a mortgage

Complaint: I am in process of refinancing my mortgage with a new lender ( XXXX XXXX ). In the process of doing so my mortgage servicer ( hsbc ) had been changed to a new servicer ( XXXX XXXX ). When XXXX  requested my payoff amount from XXXX the amount was over 277,000. My credit report and monthly statement has it listed as XXXX When I called XXXX and have they both could not tell me when I incurred the roughly 25,000 extra. XXXX says they no longer have info and XXXX has it. My problem is I need to know when this extra money was incurred, why and whom approved it ( do they have a signed agreement? ). Please help me get an answer as to why the extra monies are owed and under what proof do they have that I owe it. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my Experian dispute results ( Report no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to Experian - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
4 ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.

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