milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (RI).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Navy federal credit union. In XX/XX/XXXXmy auto loan thru navy federal was total loss. The auto was totaled and I filled and signed out all paperwork to claim as auto complete loss. I even went into a navy federal branch ans signed the title as a complete loss. I financed thru another credit union and nothing came up as a repo and was approved loan. After many years I leased an auto thru a credit union, nothing came as repo. Then in XXXX I am trying to lease another car and repo of the total loss pop up from XX/XX/XXXXand can not get approved for loan. I called navy federal and nobody seemed to care at all and talked to 7 or so people to help me but no help at all. Left 2 voicemails to have issue investigated by navy federal and no call backs at all. I called navy federal the next day and they did not have any info about my calling or anything. Finally talked to someone and they are finally taking a look at the issue. Very unprofessional of a credit union not caring about an error they made. The auto loan was closed in XXXX Of {$2200.00} and some how reopened as a repo and would like this matter taken care of due to navy federal not caring about it. Thanks so much for the help best number to reach me at is XXXX XXXX XXXX or email XXXX. 

Thanks 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 09-06-2016 about Mortgage (VA mortgage) with PLATINUM MORTGAGE INC. (SC).
Issue: Application, originator, mortgage broker

Complaint: They denied me stating that they used VA 's guidelines. Va 's guidelines state I didn ot have to have a clear XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points, which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I have disputed information on 3 different collections on my Equifax Credit Report. I have contacted all 3 accounts to verify the collections and all 3 of them stated there was no record of the accounts in my name. 
First account is XXXX  / XXXX XXXX for {$360.00} The second is XXXX XXXX XXXX for {$30.00} Third is the same as the second XXXX XXXX XXXX for XXXX.. 
I disputed the accounts and asked Equifax to remove the accounts or verify and provide me proof that they are mine ... I haven't received any proof and they remain on my report ... I personally called each collection and was told they are no record of the account..I would like Equifax to do there job correctly and remove the collection accounts or show me proof that the accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have an account on my Equifax report that has been deleted twice and has now returned for a XXXX time. 
XXXX time : XXXX-removed on XX/XX/XXXX, 2016 XXXX time : XXXX - removed on XX/XX/XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

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 08/15/2017 about Debt collection (Medical debt) with Collection Management Company (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received two calls with in 2 minutes and then another one les then 30 minutes later just today and at least 4 times a day any given day.I will receive 3-5 calls more before the end of the day. They leave pre recorded messages as well that cuts off so you do n't know the name of the company. The phone number that is calling all day is XXXX. When I told them that they are calling too much and I was reporting them the lady laughed at me. It 's for medical that I 'm disputing at his time so they should n't even be calling me. Their collection efforts are abusive at his point and need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.

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 08-11-2017 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: Their investigation did not fix an error on your report

Complaint: I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Got a call from a XXXX XXXX who said he is calling on behalf of One Advantage LLC for Account # XXXX. He said I have to take care of this business matter today or they will proceed to take further legal actions and will file a motion to garnishment against my check within the next 24 hours if the matter has not been resolved. The person that called me had a XXXX accent and was very rude. He said the amount was for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with COLLECTIONS USA, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Complaint following complaint # XXXX I have attempted numerous calls X/XX/2017, X/XX/2017 left numerous messages to XXXX XXXX XXXX rep at Collections USA and left messages on main line for a call back pertaining my case with XXXX XXXX XXXX in the amount of {$4900.00} for early termination due to domestic violence. State law ( XXXX. Rev. Stat. XXXX ) provides early termination rights for tenants who are victims of domestic violence and ( XXXX. Rev. Stat. AnnXXXX XXXX XXXX XXXX ) for providing access to my sole leased apartment to my ex husband and witnessing him entering my apartment through a balcony ( email sent to XXXX and XXXX subject line security ) and not calling the police. I was granted relocation to XXXX as soon as my divorce was finalized for safety ( in decree documents ). Collections USA Inc. has been unresponsive to my efforts to clear this debt and remove it from the credit bureau. I have the following mentioned documents and they wo n't answer my calls to provide them with requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA not mine / No knowledge of those account.

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 10-10-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The beginning of XXXX a dispute was submitted by XXXX to have collections removed by XXXX XXXX XXXX as the collections do not belong to me. I received an email from XXXX  on XX/XX/XXXX that my XXXXn dispute results were ready. I viewed the report and the three collections were in fact " DELETED '' from my report. Fast forward to XXXX XXXX XXXX, with no notice received from XXXX XXXX XXXX, the accounts have since been added back to my XXXX credit report. There are three separate amounts appearing on my report, XXXX XXXX XXXX- {$280.00}, XXXX XXXX XXXX- {$37.00} and XXXX XXXX XXXX- {$980.00}. I have since reached out to XXXX today, XX/XX/XXXX and was told " yes they were added back to your report ''. Now, I have not received any notice from XXXX XXXX XXXX or XXXX stating that these accounts would be added back to my credit report. This is unacceptable.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle loan) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Shopping for a loan or lease

Complaint: This is a complaint towards XXXX and XXXX XXXX XXXX. She visited my workplace to inform me that she needed my information for reference and to use my checking account to deduct the first payment since my brother who was requesting the car loan did not have one. The rest was going to be paid by him. I asked various times if this was going to impact my credit and she said NO. I informed her that my credit CAN NOT BE USED for the car loan and she repeated that it was not going to be touched. When I went to get a loan to fix my house I noticed that my credit was impacted and I called her and also spoke with her supervisor XXXX XXXX and they told me it was too late and that they could not help me. They used me to help close a car loan without informing me correctly and I did not authorize 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 10/24/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: sca collection has re-aged an old debt in an attempt to ruin my credit.

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 12-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, XXXX I requested Ocwen Loan Servicing , LLC the current status of mortgage loan # XXXX that showed as a delinquent on my credit report when I tried to obtain a Home Equity Line of Credit thru various banks. My applications for such credit were denied in part because of such loan ( XXXX ) shows as pending debt. 
Ocwen responded with a letter dated XXXX/XXXX/XXXX ( see attached ) that this loan was assigned for collection to XXXX XXXX XXXX ( XXXX ) on XXXX, XXXX XXXX. To my surprised I was under the impression that this loan was " Forgiven '' under the proposed modification agreement that I received dated XX/XX/XXXX ( XXXX attached ). 
In a letter dated XX/XX/XXXX. Ocwen requested documents to show my financial hardship at the time, which I provided that to them ( See attached ). 
I would like to know is why Ocwen opted to charge off the loan and not forgive it as an option within the newly created Home Affordable Modification Program as stated under " The Mortgage Forgiveness Debt Relief Act and Debt Cancellation for loans modified between XX/XX/XXXX through XX/XX/XXXX. 

I would like for Ocwen Loan Servicing , LLC to provide me a detailed description on the actions taken on their end that shows the proper practices and regulations were followed and that I was not discriminated and taken advantaged of my little to none knowledge of the complete loan modification that took placed and Its be denied by Ocwen.

Company response to consumer: Closed
Consumer complaint received 01-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing statement

Complaint: American Express card offered me to shop on XXXX XXXX, 2015, the small business Saturday, and told me if I spend more than {$10.00} on XXXX/XXXX/15, I will get {$10.00} statement credit, so I did spend {$19.00} on a small business XXXX I chatted with Amex rep in earlier XXXX, the rep told me I am definitely qualified. Today I am chatting with a XXXX rep since I received my statement, and the credit is not showing up on statement. Now this rep told me this credit requires vendor approval, and will take up to 90 days to post, the vendor approval and takes 90 days to post were never disclosed in the initial offer. I feel being cheated by Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I 've already filed a complaint with cfpb against debt recovery ...   Debt recovery started that they could delete the accounts they had on file from all  XXXX  credit bureaus.   Debt recovery fail to do so..   Debt recovery has deleted the accounts and added it back to the credit bureaus..   Debt recovery never deleted the account from  XXXX  as  XXXX  stated they never received anything from debt recovery.   On   XXXX   XXXX   XXXX     Debt recovery also added acct #  XXXX  As I stated in the first complaint Debt recovery has NO VALIDATION I never gave them Permission to my personal information.   I mailed Debt recovery solution a letter asking them to validate the accounts.   Debt recovery have deleted the account from  XXXX , but not from  XXXX .  <P/> As cfpb can see that  Debt recovery/ Debt recovery solutions re sponse in the first complaint that they will closed and delete the accounts from all  XXXX  credit bureaus the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with Alliance Data Card Services (OH).
Issue: Other

Complaint: I was supposed to receive a credit card which I never received but was told I had made no payments and I made the payment that minute but it was put on my credit report and I want it off

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have reached out to the company on XXXX/XXXX/XXXX asking to validate this debt and to send the actual contract that I have signed with them that I owe Southwest Credit money. 

They have failed to send me a signed contract with Southwest Credit. I do not have a contract with Southwest Credit. I never heard of southwest credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Equifax requesting that the inaccurate debt information and public record listed on my credit report be removed. I did not receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: 1. XXXX 2. XXXX 3. Equifax The/XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and XXXX accounts not reporting : 1. The/XXXX Opened XX/XX/XXXX balance is {$2100.00} 2. XXXX XXXX opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XX/XX/XXXX Equifax accounts not reporting 1. XXXX XXXX Opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I terminated my account, paid all the fees and my balance and was told i was settled. a week later I got a call stating that I owed over {$500.00} and they could not give a definite answer as to why

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with FIRST FINANCIAL SERVICES, INC. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I previously submitted a complaint against XXXX XXXX XXXX XXXX in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XX/XX/XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through 1st Financial Bank in which the last date of payment was XX/XX/XXXX. I also received a demand for payment the same month. I responded by certified mail XX/XX/XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XX/XX/XXXX, which was a copy of a statement from the credit card company 1st Financial Bank. In XX/XX/XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XX/XX/XXXX they sent me copies of paperwork requesting information from me and discovery. At this point I submitted a complaint against the law firm and 1st Financial Bank with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XX/XX/XXXX that they have filed against me with the court.

Company response to consumer: Untimely response