milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: Over the past year I have been electronically,  XXXX , financially,  XXXX ,   XXXX   XXXX   by corrupt law enforcement,  landlord  and his firemen friends. They stole many items of min e, one being a credit card out of my lock box. I contacted the company, reported it to the credit bureau and the IRS. Attempted reporting it to police but they just laughed, I also called the  XXXX  State Police but they refused to help. I 've moved to   XXXX   and the  XXXX  has continued. It 's difficult  getting help when it 's the police causing the problems. There 's many issues of  XXXX  going on in my life and I have many documents and the electronics to show what I 'm telling you is true. I 've reached out to the FBI for help but they apparently also do n't care even though my current landlady 's husband was just prosecuted by them for many of the same issues involving local politicians.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I found out that Equifax allowed for my personal identification information to be stolen. I have tried to place an alert on my account but they say they are unable to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I noticed a hard inquiry from XXXX on XX/XX/XXXX on my equifax credit report. The XXXX website said I could check my rate and it would not affect my credit ( ie : soft pull ). However, it was a hard pull which was not authorized. I disputed this with equifax on XX/XX/XXXX and they have still not completed their investigation nearly 60 days later. The equifax website shows my dispute as pending.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Private student loan debt) with ConServe (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX XXXX, I withdrew from school because of the death of my then fiancee to XXXX. I was struggling financially from his death and I was left with no financial support from his estate. I was attending XXXX XXXX and I spoke to them about the issue and then informed me I owed money to the school because they returned the funding back to my loan company and to the VA ( Veteran 's Administration ) through my voc rehab program. I explained to the school I could only pay {$50.00} a month back making good faith to pay back the money. The school refused to take my money and was very rude and told me " should pay my bills ''. I tried over the 2 year period to speak with someone that would listing and help me through debt. I finally got back on my feet financially in XXXX XXXX and again reached out to the school about the debt. I was told that I could make payments to the school directly through the portal. I made my first payment in XXXX XXXX of {$270.00}, the school accepted the payment. I was then rudely told I could not work an agreement with them and I needed to contact ConServe. I contacted them and again after being spoken to in a very threatening and rude tone, I called back and spoke with a supervisor. We worked out a payment plan of {$200.00} a month, I have even made additional payments since that point to bring down the balance, however now they have put this on my credit report, runined my credit score and are n't even reporting the amount correct stating I owe over {$3800.00} which is not true. I just need help, I have filed a complaint against this company Conserve with the BBB and still have no resolution. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband, father and I are being harassed by XXXX from Pioneer Credit Recovery. The phone number is XXXX. 

The person is trying to find someone else -- someone who does n't and never has lived with us. The continually call and leave messages on our home number and cell phones.

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 Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Trouble during payment process

Complaint: Hello Im XXXX XXXX and I have been receiving inflated fees and premiums from Carrington for the last three years. My fees and premiums started out at {$760.00} and then {$820.00}, and now {$860.00}. There is no reason my premium should rise, I am a realtor and have access to my taxes, they have not risen, I have access to my insurance it has went down from {$1100.00} a year to {$520.00}. I believe that Carrington Mortgage has violated my consumer rights and the Fair Housing statues. I will contact the appropriate government agencies to investigate my account and Carrington Mortgage Service LLC. I have previously contacted financial service for the government thru the FTC to complain about the Carringtons discrimination practices in my refinancing process and now I discover another inflation of my fees and premium. I believe that my account is being padded financial gain and is unlawful, I have had no previous notices explaining non-of the increases, which should not have been. With my insurance going down and my taxes going down my premium should have been {$760.00} for the last 2 years. I request that Carrington credit my account or send me the access fees. I believe I am a victim of I financial crime.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: APR or interest rate

Complaint: I 've recenlty been a victim of a preditory loan. I purchased a bed from XXXX XXXX in California and with it came a promotion for 2 years 0 % APR. During those two years I made regular payments on the credit card through Synchrony Bank and also requested e-statements rather than paper bills each month. I never received an e-statement in my email, which on their website it says I was to be receiving e-statements, but they made sure to take out payments from my bank each month. Recently the 2 year 0 % financing period ended and they charged me 30 % APR deferred interest on the original purchase amount not on the remaining balance. Prior to the expiration date I never received a notice informing me of the upcoming expiration date and since I was not receiving the statements in my email, I missed the expiration date. I had to sign into my account and check on the status of the account, and it was then I noticed an interest charge of over {$1100.00}. I called their customer service and asked if I could just pay the remaining balance today and be done with the card and not be charged the incredibly high interest charge, especially since this was something that happened about a month ago. The account manager was immensely unhelpful, and when I asked to speak to her manger she took down my number and said they would call me back within 72 hours. At this point I would like to get this resolved as soon as possible since they will continue to charge me % 30 APR until I pay off the card.

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 06-09-2015 about Consumer Loan (Installment loan) with I.C. System, Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: I have been receiving unwanted calls from IC Systems Collection Agency to my personal Cell phone number and family members cell phone numbers and I would like them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All my accounts have been paid as agreed, there is a mistake on a XXXX XXXX XXXX account # XXXX I need this corrected ASAP

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 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried to get my free annual credit report I think my identity has been stolen

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 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, during the time taxes are paid, we refinanced our mortgage. At the time, our lender, Loancare paid our taxes of just over 5k and also our title company at our closing paid too. I called county to see what happened and they told me they received payments from title company and that Loancare should reimburse us what they tried to pay ( {$5000.00} ). Since XX/XX/XXXX, I have called Loancare to find the status of our money 8-10 times. I have XXXX documented calls of who I 've spoken to, however, I get the same answer, " we are having your issue escalated to our tax department and they will review. '' I 've been told that someone would follow up and nothing ever happens. At this point it 's now been 2 months and I have no idea where our money is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with U.S. BANCORP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed XXXX XXXX XXXX ACCOUNT XXXX and they are claiming that the information they are reporting is correct and verified! Even the credit bureaus report that the issue has been resolved according to the creditor. The issue was not resolved and definitely incorrect and has been reported for several years which cost me a lot financially. The mentioned account is a secured credit card for only {$300.00} and XXXX is charging me SEVEN TIMES the original amount! From what I 've read online, according to TILA ( TRUTH IN LENDING ACT ), legally, only 10 % interest can be charged. These incorrect pieces of information they are reporting has damaged my creditworthiness for several years. I could not even afford the interest for new loans. They gravely violated FCRA and TILA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I respectfully request full investigation and based on the information I have provided I request the DEBT RECOVERY SOLUTIONS , LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. DEBT RECOVERY SOLUTIONS , LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

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 10-11-2017 about Debt collection (Auto debt) with Rubin & Rothman, LLC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.

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 05-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After becoming more educated with my finances, I ran my credit report for the first time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX acount stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was schedulded to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a second request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, XXXX, and XXXX however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both Experian and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The second account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After 2 request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX these companies have caused me have effected XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for a home cash-out refinance through Citibank on XXXX XXXX, 2015. I called into the mortgage department and spoke to XXXX XXXX XXXX # XXXX and was immediately given a quote based on my credit score. I told the representative that the reason for my refinance was to save money ( as our current interest has been 8 % ) and to pay off approximately {$50.00} k of student loan debt. I was pleased with the interest rate quoted and wanted to proceed with the process I was afraid that the loan would not go through based on my median credit score of XXXX and asked for a guarantee which he did approve of. He said he was more than certain that I would be able to get a 4.125 % interest rate based on my score, and when he officially ran my credit, the rate and terms remained the same. He said that he needed a processing fee to initiate the process, I told him that I was afraid that I would n't get approved and he reassured me that he would return the fee if it did n't. Therefore, I paid the {$520.00} application and appraisal charge and everything seemed to go just well. Until, I was n't contacted by XXXX anymore. Interestingly, my loan processor was abruptly changed from XXXX lady to another and I kept receiving calls during my work time ( which I had indicated was not a good contact time ) eventually I spoke to a new loan processor and she informed me that the loan was denied based on my credit score. I received a new credit score of XXXX and to this date I have not heard back from XXXX. During this time, I allowed my student loans to go unpaid certain over the process of all the refinance going through. During this time my credit took a XXXX XXXX point drop ( due to my delinquencies ) and they denied me. I looked today online and it still says in process. I have tried various times to come into contact with XXXX and I have not received a call from him. The problem now is that my credit score has been negatively affected and I am in a worse situation than before and no one will help me. I was deceived and left cold turkey. I would like them to either go through with the refinance or take responsibility for the balanced currently late of my student loans ( as I was guaranteed it would go through ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had my student loans serviced by navient. Being a XXXX i was elligible for the public service loan forgiveness. I was lead to beleive that for many years that my payments were going toward the 120 payments. My payments were not elligible because of the plan i was put in. Luckily i switched them back to XXXX and they informed me that the payments werent acceptable. I paid them for five years. Now i am XXXX and i had to start over on my 120 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX aXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.

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

Complaint: My information has been stolen via Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Transunion since XXXX 2016 disputing Inquiries that I do n't recall authorizing. I requested Transunion to please provide me the documentation they used to verify that the Inquire was authorized by me so I can confirm its validity. Transunion is in violation of the FLRA for not completing the investigation in 30 days & ordering me to contact the creditor which turns the burden on me ( violation of the FLRA ), Transunion is well known to respond disputed inquiries in this manner ( placing the burden on the consumer ). The actions of Transunion is having a major negative impact on my credit worthiness and credit score causing me 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 non-monetary relief
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with CNG HOLDINGS INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, XXXX and is now deleted after investigation.

Company response to consumer: Closed with explanation