milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XX/XX/XXXX-XX/XX/XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (CA).
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: Nationstar Mortgage LLC, which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX .  XXXX  did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years. Nationstar has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition, Nationstar was not even the owner of record who had the right to foreclose but i doubt anyone cares about that

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This relates to on going complaints/investigations currently underway. As of recent,  XXXX  reports  XXXX  of  XXXX  student loans I had co-signed for was a " charge off ''. This was not even a factor before I began my complaint against them. This loan was never in  " Charge Of f ''. In fact I have recently ( see attached ) recieved a letter from  XXXX   XXXX   (  affiliated with  XXXX  ) congratulating me on paying off my loans with them. This orginal complaint concerned purported " missed payments '' alleged by  XXXX  concerning me and my Daughter,  XXXX   XXXX   XXXX . We steadfastly deny such " missed payments ''. More than this, if indeed such payments were " missed ''  XXXX  reports this  XXXX  times concerning a single loan. Originally  XXXX   XXXX  checks had been issued by  XXXX  for a single school years and concerning the same time period. This does not constitute  XXXX  loans let alone  XXXX  loans late all at the same time. And at no time had any of these loans been in  " Charge off Status ''.    To date,  XXXX , has exceeded sisty days to provide copies of original documentation as demanded. Additionally,  XXXX  has failed to provide documentation to support claims that " missed payments '' had been made by mhy daughter or myself.

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened three additional cardholders and finished the purchasing criteria, but only received the bonus for one card ( {$25.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Advertising and marketing

Complaint: My XXXX-year old daughter received a credit card marketing offer in the mail from American Express. I checked with the XXXX credit bureaus and there has been no inquiries ( soft or hard ) registered. I had added my daughter to an existing credit card as an authorized user earlier this year for emergency use when she had to travel for school and this authorize user card does show on the credit report, but no evidence of inquiries or ID theft. I contacted American Express at the XXXX # on the letter that was received which was XXXX. They were unable to assist nor able to get a supervisor on the phone to answer how a XXXX-year old was marketed to. I was then given the option to call XXXX, which appears to be a fraud hotline of some type, but they also were unable to assist and stated they only approve or decline application requests. I was then asked to call XXXX, which was supposed to be a complaint group, but ended up being a marketing line for new cards. I then decided to call the office of the president of American Express in NY. In speaking with the executive admin, they would not take any calls only requests that had to be made via email or snail mail. This is not how consumers should be treated when dealing with credit and marketing offers to a minor child and any marketing offers going out the credit companies should absolutely know their target persons are of legal age to contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with Midwestern Health Management INC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE HAD PAYMENT ARRANGEMENTS WITH THE COLLECTION COMPANY REGARDING THE MEDICAL BILL-BUT THE BALANCE DOES N'T SEEM TO BE GETTING SMALLER. AND I HAVE NOTICE THAT THEY ARE ADDING ACCOUNTS BALANCES TO THE ORIGINAL ACCOUNT. AND SOME OF THOSE ACCOUNTS ARE MY EX-WIFE ACCOUNTS. I BELIEVE THAT I HAVE PAID THE BALANCE OF MY ACCOUNT AND DO N'T OWE ANYMORE. BUT I CA N'T GET THE PAPERWORK FROM THIS COLLECTION COMPANY SHOWING WHICH ACCOUNTS ARE WHICH.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Per the exact wording of the letter sent to me, electronically, dated XX/XX/XXXX. your direct quote is " As we have explained, the Assignment of Mortgage transferring the mortgage lien from XXXX to Chase occurred in XX/XX/XXXX. You have been provided a copy of this document. Your letter contends the date on which the Assignment occurred adversely impacted your ability to refinance your loan prior to that point. We assure you this document would not have prevented you from pursuing a refinance of your loan or pursuing a sale of your home. 
Further, the recording of the Assignment did not impact the foreclosure process initiated on your loan because the process did not result in a completed foreclosure and sale. As you know, you sold your property through the short sale process ; you were approved to sell the home for less than the amount you owed on the loan. The short sale was completed in XX/XX/XXXX, at which time the loan was due for the XX/XX/XXXX, payment. Accordingly, the foreclosure was canceled and the property did not go to foreclosure sale. 

This is considered as new and material evidence : : : : please research this matter .... 

There was an instance when I attempted to conduct a VA Streamlie with you. Upon receiving the documents, I found them rather confusing and unable to understand the language within the documents. Also, I was informed by a representative within your company, the second mortgage would NOT be subordinated. I am well aware there are logs of every call I made to you. I am well aware any incoming calls to an " XXXX, XXXX, XXXX, etc Area Code, has an internal system that logs calls. I will await these logs, to match my logs from any and all telephone numbers bearing my name with you. aLSO, THE MORTGAGE WAS NOT ASSIGNED TO YOU, UNTIL after the short sale proceedings were commenced. Am I correct, or do I stand corrected?? Also, the servicer of the second mortgage is aware of the subordination clause commenced by you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX Account. XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI XXXX I received a letter from XXXX XXXX XXXX thanking me for financing and affirming that my " contract obligation has been satisfied. '' XXXX I received a letter from XXXX XXXX XXXX saying I still owed them money. I called the XXXX on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that XXXX 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!

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 03/16/2017 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I had a debt with XXXX credit card. XXXX charged off the debt a third party debt collector picked up the debt and sued me in court recieving a judgement against me. I live in the state of california, the law here states a third party debt collector can not sue a person in a court of law, they may contact the individule and try to collect but they may not take them to court. Also this third party debt collector sued me in court after the statute of limitations ran. They keep harassing me with letters saying they have a judgement and they are going into my bank account or worse. This Winn Law group must be stopped with such illegal practices. Please help me to get these people off my back and stop them from further harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me XXXX a day and XXXX day. I have spoke to numerous representatives explaining that I am unable to make a payment due to my change in employment. I also asked if they could minimize the repetitive phone calls to my house and the lady representative shared tthat the only way to stop the calls is to pay the debt in full. Finally after going back and fourth with this worker, she asked if she could call my personal cell phone. I told her absolutely not and she said the Only way to stop that is to write a letter to the company. After becoming frustrated with this worker I hung up and landed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation so many inaccurate information not mine id theft victim ...

ftc and id theft gov

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted customer service on XX/XX/2018 at XXXX to request information on the debt owed ( XXXX ). CCS collection agency reports that they can not mail any payment history nor signed contracts to me due to them not having the information. Company is unable to prove that I owe this debt. I would like the debt removed from all three credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: Today if Friday, XXXX XXXX, 2017. I have tired to freeze my credit report at Equifax about 10 times over the past 5 days. I keep getting their error message or a message to try back later. Once, I got to the point where they wanted {$10.00} -- according to their web site there should be no charge for someone over age XXXX from my state. 

If they ca n't get their computers to work, it 's not surprising they were hacked. 

I was able to easily freeze my credit report via the web for the other two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir/Madam : Urgent please. We have an ongoing short sale on our property, but morgage servicer has a Trustee Sale put in place on Friday, XXXX/XXXX/15 TS # XXXX, XXXX. This was an issue of Dual Tracking because we have BSI ( XXXX lienholder ) email communication of minimum acceptable price of $ 750K and XXXX XXXX ( XXXX lienholder ) approval, plus buyer 's ratified purchase offer of $ 780K contract with proof of financing. I have attached all documentations. Hoping for your kind and prompt assistance to this matter so we can save our home. Thank you very much.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX  XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.

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 03/20/2017 about Payday loan () with Money Investigations, Inc. (MS).
Issue: Can't contact lender

Complaint: I took out XXXX cash advance loans from place called XXXX in TN, I did default on the loans bc of hardship and they have gone to a collection company called Money Investigations out of XXXX GA. I received the first call from this man who calls himself XXXX on XX/XX/XXXX at my parents house. He was screaming at me, making threats of jail time all bc I ask who he was with. Yes I got ugly right back assuming this was a scam. I contacted XXXX and found out they are contracted with Money Investigations so I called back to try and work out a payment plan, the same man screams at me again saying I was going to jail unless I XXXX him half ( XXXX $ ) I said I would try but could not come up with the money, called him back left a voice mail that I would again like to make payments. He called back XX/XX/XXXX screaming again that I committed check fraud and was going to jail and nothing but a liar. He also called my parents again saying the same things on XX/XX/XXXX ... I got on the phone and said I spoke with the local sheriff and this was a civil not criminal matter. The man calls again XX/XX/XXXX to my parents home and when my mother says I want to make payments he starts yelling at her. I have done my research over the weekend and it seems this man is actually a man named XXXX. Yes I agree I owe the debt and am willing to make payments but these types of calls are ridiculous ... ..and if he has filed papers as he said on XX/XX/XXXX why does he continue to call and harass me.

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 06-08-2017 about Mortgage (Other type of mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Applying for a mortgage

Complaint: In  XX/XX/XXXX  I attempted to refinance my mortgage with  Navy Federal ( th e current lender 4.25 % fixed ). I was first quoted a rate of 3.25 % on a  XX/XX/XXXX , after passing first round of underwriting they changed the rate to 3.25 % plus 5 % ( discount/orig ), they then order an appraisal ( I paid {$650.0 0} ). The  appraisal came in lower so they then raised the rate to 4.25 plus .5 % points.  <P/> After pointing out the stupidity of their offer they reduced the rate to 3.65 % provided I pay {$11000.00}.  <P/> I am a federal bank regulator, banker, and real estate pro . - Navy Federal has  no business lending. They have utilized a " Bait and Switch '' marketing.  <P/> Please investigate this matter.  <P/> I am seeking a repayment of my appraisal fee of {$650.00}.  <P/> Thanks,  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 08/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I tried to dispute information that is being reported by Kohl 's credit card as being inaccurate by calling Kohl 's credit department multiple times. Kohl 's marked my credit report as being XXXX months late. Even though I told them it was n't my fault and I believe the fault lies more with them ... the reason being because I am signed up for paperless statements and emails all went to my vast junk mail without me ever knowing, because Kohl 's sent me an excessive amount of spam email in a short amount of time, my email service considered Kohl 's junk mail by default. Kohl 's blamed me and said they would not dispute the marks against me, even though I was acting in good faith and trying to work with them. Kohls ' options for paying my bill make me very nervous because I had to give my routing and account number over the phone which I was hesitant to do for a long time. Also my Kohl 's account number is hidden on the statement and they refused to give it to me over the phone, so I could not pay the bill in a manner I felt to be safer such as online bill payment ( where my bank has an account designed specifically for paying bills in a protected manner ). I can not believe Kohl 's policies on this. They need to be more respectful of the amount of excessive emails they send and they need to supply their customer 's their account number so the customer can pay in a comfortable safer manner. They also need to take a customer 's dispute more seriously, because the laws now are very strict in when it comes to a consumer making a genuine dispute and I felt I was treated unfairly, abused and being denied information. What is worse is my life is being negatively impacted this because I tried to get pre-approve for a mortgage and got denied and the banker mentioned Kohl 's! This credit card balance was approx. a small amount of {$150.00} and is now paid including late fees. I 'm getting denied from being able to buy my first home and starting my life as an adult because of Kohl 's abuse of financial power after lack of concern for their customer 's credit report for an error that occurred because of their excessive email spamming. ( screenshot proof of excessive email attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Trumped up my principal owed illegally.

Company response to consumer: Closed with explanation