milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Who the heck is XXXX XXXX XXXX? I recently applied for a car loan through a dealer and was accepted as I have outstanding credit. I currently have credit freezes on my and my wife 's credit with the big three bureaus - XXXX, XXXX, and XXXX   because no one can keep our information safe. 

I got a letter from XXXX XXXX stating my credit was denied even though I had a very favorable credit score returned from XXXX XXXX XXXX. The day this was run there was actually a problem with XXXX hitting against XXXX  as I had not un-froze my credit with them. Other banks approved my loan due to my outstanding credit after I temporarily lifted my freeze. 

My questions are these : - I thought there were only the big three credit reporting agencies ( listed above )? 
- Who is XXXX XXXX XXXX? and why has no one heard of them? 
- There are numerous complaints on the web of similar cases, or in some cases XXXX XXXX XXXX reporting scores much lower than they should be or are with the other agencies. 
- I called XXXX XXXX XXXX and all I got was a Voice Mail box. 
- People do not trust providing XXXX, XXXX, a company they have never heard of, their personal information to freeze their credit. And you can not do it over the phone as their web site states you can. 
- XXXX XXXX  is tied to many of the companies online and many people have received letters from XXXX like I did. 

To make matters worse, I am a current XXXX car loan customer and they know my outstanding credit history, and they send me a denial letter? I have called XXXX and ripped them a new one and I'm not done yet! 

I am filing a formal complaint against XXXX XXXX XXXX for providing XXXX XXXX incorrect information about myself and misrepresentation of my credit. This is absurd and this company needs to be shut down immediately. 

Date of transaction - XX/XX/ 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 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient holds some of my federal and XXXX Personal loan that was originally with XXXX XXXX. As stated in the law suit against them in XXXX, I have had the same issues with them. XXXX XXXX and then Navient did not disclose other alternatives to repayment and just offered me forbearance. Also, my private loan which is now in default, I was never provided any options for repayment from the collection company. My loan was originally {$22000.00} give or take and ballooned to {$93000.00}. They told me I just had to pay in full, and at one time they offered me a pay off of {$25000.00}, which I would have taken given I had the means. They never offered me any payment options and continued to harass me to pay the full amount. My loan shows " charge off '' on my credit and with Naveint over the phone. But because Navient owns the collection company, they still show a balance, which makes no sense to me. I want to be included in the lawsuit against Navient because they have literally ruined my life and my credit.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (MS).
Issue: Struggling to pay mortgage

Complaint: REVERSE MORTGAGE SOLUTIONS IN XXXX TEXAS, XXXX N.C, HAS ADVERTISED OUR HOME TO BE FORECLOSE ON XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MS , XXXX AND XXXX XXXX// THET SAID WE DID NOT SEND CERYIFICANT OF OCCUPANCY LETTER, AND PROFF OF RESIDENCY BY WATER AND LIGHT BILLS/HAVE LIVED IN THI HOME SINCE XX/XX/XXXX/HAVE FAXED DOCS 6 TIMES, MAILED LETTER 2 TIMES/ DIFFERENT CASLLS SAY THEY DID NOT RECEIVE THEM, OR WRING FAXES, OR WRONG ADDRESSES/TIME IS UP/MUST HAVE PROOF FORECLUSYRE HAS BEEN CANCELED, STOPPED/XX/XX/XXXX/XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS ,XXXX//EVEN GOT ANOTHER LETTER FROM RMS ASKING FOR CERTF OF OCCUPANCY LETTER/GETTING XXXX XXXX AROUND AND I SUSPECT FRAUD/THANKS FOR INMMEDIATE HELP ON MONDAY/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Jzanus Ltd. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received several letters saying I had a debt to a hospital for the    XXXX   XXXX   XXXX   XXXX   , scared I paid the debt as I did n't want it to mess up my credit. However, now I received a call saying the debt was not paid to the company  Jzanua LTD.

Company response to consumer: Untimely response
Consumer complaint received 01/22/2017 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Citi bank keeps telling me I have a balance on an old Best Buy card that i have not had in my possession in years. I keep telling them I will not pay for something until I see what the charges are and they refuse to acknowledge. I have gotten emails saying I have a balance but can not log into the account because I do not have the card. My current Best Buy account has always been current and they acknowledge that but still no one is helping me verify what they are trying to collect. They call the house over and over and I tying talking to them and got cut off after talking to someone who transferred me to fraud so the harassment still conintues.

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 monetary relief
Consumer complaint received 06/20/2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (AL).
Issue: Problems when you are unable to pay

Complaint: World Finance Corporation called a reference looking for me on XXXX XXXX, 2016. My reference was n't sure if it was a scam or something, so she asked to verify some information about me. She demanded that they give her my social security number and the representative from this company disclosed my information. I was under the impression by law, this is illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Today, when I called Pinnacle Credit Services, they do not want to talk about the debt, but they transfer me to a new collection agency company. 
When I call XXXX, their answer is simple : " XXXX '' has no more your account, and your account is closed, if you have any questions, call the Pinnacle Credit Services. And so every day, the problem is just running in circles

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (CA).
Issue: Managing the loan or lease

Complaint: I contacted Quality Acceptance LLC in Febuary XXXX for a voluntarysurrender/repossession due to transmission almost completely goneI informed their collection agent XXXX, in XXXX XXXX that the car was in storage and I was fearful of moving it. I gave her the location and we agreeded that on the XXXX of the month I would pay storage call them immediately they could pickup the car and I take my possessionsthat were in the car this did not happen they picked up the car ahead oftime and refused to give me any information regarding the location of carand what I needed to pay in order to get my possessions back. I wrote to themthem XXXX times I ask them if they still had the car?? and I disputed their report that it was an involuntary repossession.After receiving my credit report asking them if they still had the car. I got no response I wrote tothem XXXX more times XXXX requesting validation of debt and XXXX goodwill/validation of debt still no response I have copies of letters and certified documentation that letters were delivered. In XXXX of XXXX they reported I owed them {$3600.00} In XXXX XXXX they reported I owed them {$5400.00} and reported it as a total loss. I have not had the car since XXXX XXXX they did not respond to my disputes that this was a voluntarysurrender/repossession initiated by me in XXXX. I have disputed this not only with the company several times but with XXXX and EQUIFAX without any results expected for them to say they investigated and It remain the same. This is not true and accurate information the car had major repair problemswithin 9 months of purchase I initiated a voluntary repossession/surrenderin XXXX of XXXX they took possession of car in XXXX or XXXX of XXXX prior to our agreement that I would pay storage, remove my possessions and call themimmediately for them to pick up car as a voluntary repossession/surrender The Company Quality Acceptance has not engaged in Fair Business Practices and XXXX and XXXX also did not engage in the Fair Credit Reporting Act in which I have the right to dispute incomplete or inaccurate information This was a voluntary surrender/repossessionwhich I have disputed since XXXX with no resultsdocumentation that I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a authorized user on this account. I was not a co signer and they reported me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX I do not know this consumer never talked to them or taken or borrowed money from consumer. 

XX/XX/2017 I send a dispute through credit karma they refuse to move from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Non-federal student loan) with SQUARETWO FINANCIAL CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent XXXX debt validation requests to CACH LLC and they have ignored all of my requests. I do not recognize this debt and I need proper validation.

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 monetary relief
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Venture Financial Services, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I continued to make monthly payments to XXXX XXXX for my hospital bill. I made a payment in XXXX, however on XXXX XXXX a letter was sent from Venture Financial Services that they are collecting on this debt. 

In the letter it states that this debt will begin to accrue interest. There is no disclosure on the amount of interest that will be charged. I was not paying interest on the debt when i was making payments directly to XXXX XXXX. 

If banks need to fully disclose the amount of interest they are charging consumers, why can these medical debt collectors get away with being so vague. 

I did not receive a fair notice that the debt was being either sold or collected on by a debt collector.

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 12/30/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is with Ditech formerly known as GreenTree servicing LLC. I was informed by my Realtor on Saturday that he pulled up auction as he does and my home was listed to go up for auction on Monday XX/XX/XXXX. My home had been up for short sale and has some potential offers coming through. I made contact with Ditech Monday morning XX/XX/XXXX and talked with a rep and asked if sale could be postponed so my realtor can drop price and get an official offer. I was told by the XXXX rep that she will send to upper management and will callback within a hour. No callback so I called and was told still had not heard anything and that I should try back. I called back 2 more times and they new nothing. I called Tuesday morning and talked with my normal Rep XXXX. She looked over case and asks the normal questions is it your intent to keep the property as they do every time you call and I have been since XX/XX/XXXX been saying no its up for short sale. I asked her about auctioning of house scheduled for XX/XX/XXXX and that we have not received any notice and that only reason that we know if because of realtor seeing home on auction list that he gets. She said that we notified your realtor. I said no you didnt and why would you tell them and not send some sort of notice to me the homeowner. She then bags off and says well we cant speak with you because your intent is not to keep that property. I said that has been this way since XX/XX/XXXX and you all have called me 2-3 times a week. XXXX then states that they can talk to me if I call them. I told her once again they have been calling weekly. XXXX hangs puts a manager named XXXX on the line who tells me that my short sale was denied back on XX/XX/XXXX. I informed her that I was not under short sale then. She then tells me that it was denied XX/XX/XXXX. I told her I received a letter from them stating that my modification was denied and that I have other options such as Short Sale or Deed in Lieu of. I am supposed to be doing Short sale so what is problem. She said oh well nothing we can do. I then asked her when was I gon na be notified that house is up for auction and she tells me oh the sheriff will serve you or you will receive certified mail. Neither has happened and auction is on Monday XX/XX/XXXX and its XX/XX/XXXX. This is not the only issue with Ditech formerly known as GreenTree. I have never received notice that they were taken over by Ditech as recovered by law. I also have not received a statement from GreenTree/Ditech in almost 2 years. I have filled out modification paperwork over 7 times only to be denied each and everytime. The have violations they have committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing/Cancelling account

Complaint: On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected.

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 07/21/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have flawless credit except one negative mark from XXXX 2013. BofA has sold my loan since then and I am looking to buy my second house but they wo n't remove this blemish. This was my only late in 7 years. I have disputed until I could n't dispute anymore and even contacted them directly. No luck. Can you help please?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Seattle Service Bureau, Inc (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent a bill that was the size of a post card, mistakenly was thrown away. Received call about debt, immediately paid XXXX once outstanding debt was realized ( paid XX/XX/2016 ). Have since rudely and aggressively been bothered by National Service Bureau to pay this debt which has already been paid. Have contacted XXXX 3 times and they have claimed to resolved this on their end, however, phone calls do n't cease and National Service Bereau keeps calling and forcefully telling me I need to pay something I 've already paid. I 've advised them to refer to XXXX, but they keep calling!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
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: There are  Credit repor ting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my  credit score a nd credit report, and is holding me back from doing things that I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX XXXX XXXX a collection agency was added to my credit file. This was shown as a new collection with the originally creditor as XXXX the amount of {$1300.00}. I have no contact with XXXX XXXX and they are attempting to collect on a debt that was previously paid with XXXX XXXX in XXXX as an agreement to pay for delete. Convergent is attempting to again collect on this debt. They have not responded to multiple disputes and requests for validation.

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 01-04-2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Without Notice Citicard expired {$300000.00} worth of " Thank You '' points on my credit card account. I have paid my bill in full for over 20 years. 2012 I had over XXXX points and then come XXXX XXXX without notice they started expiring them. Since 2012 I continued to earn points racking up another {$200000.00} worth of points. I learned this pas Sunday that instead of the over XXXX points they owed me I had only XXXX points because that had expired XXXX points. Never on any credit card statement was I given notice the points were going to expire. Never was I sent a letter that the points were going to expire. Up to XXXX 2012 they never expired. But then they started taking them away. I have waited to reach enough points to take my family to XXXX and now that dream has been dashed by Citibank 's fraudulent methods. These were called " Thank You '' points. After being a customer over 20 years this is XXXX away to say Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my Experian and XXXX report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.

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