milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2016 about Student loan (Non-federal student loan) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX loans that are currently serviced by ACS ( at total nightmare ). Those XXXX loans are the only loans that I have that I simply can do nothing with. ACS is claiming that my loans were defaulted because they were past due 270 days. No one contacted me or sent any information of such. I have worked with XXXX and worked out a loan consolidation in which I could not even include the XXXX ACS loans. Furthermore, ACS claims that the loans are " permanently uninsured '' in which they have been reporting to the credit bureaus for over a year and it is having a major affect on my credit. On the National Student Loan Database, the loans are showing temporarily uninsured in which ACS is claiming that XXXX ( guarantor ) has not updated the system correctly. I spoke with a representative at XXXX and she advised that my loans were showing a " temporary uninsured '' status since 2015 and was unsure as to why ACS is claiming it is permanently uninsured since the information would be coming directly from XXXX. Also, if my loans are in a " permanently uninsured '' status, ACS should not be reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
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: Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 we closed escrow on the sale of our prior home on which we have a mortgage with US Bank. 
The payoff of the mortgage occurred as part of escrow : the total payoff amount of {$190000.00} included principal ( {$190000.00} ), interest ( {$440.00} ) and fees ( {$41.00} ). Interest covered the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. 
After contacting US Bank, they acknowledge receipts of the payoff on XXXX/XXXX/2016, but claims that I 'm not entitled of any refund of the interest amount covering the period after the payoff. Since the mortgage was closed on XXXX/XXXX/2016 I should received a refund of the interest amount covering the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. That amount should be equal to {$200.00}.

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 12/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: Dear CFPB. It has come to my attention recently that Bank of America had reported delinquencies to my XXXX credit reports for XXXX of 2014 after I paid my cards off in full at the branch for {$1200.00}. I was unaware that there was any more of a balance because I had not received my statement for XXXX. Unfortunately they had charged me interest on top of my annual fee that month and I was left unaware and had not received any phone calls or letters following up on this unfortunate situation. I was not given any tpe of grace period to make-up for the unseen payment and this has absolutely devastated my financial profile and I am now unable to financially do anything as this XXXX small lost statement has tanked my credit score. This is unbelievably unfair and I even sent Bank of America a long and detailed letter explaining my situation and the sad situation where their statement had not been received after I had paid the card off. I feel as though they have no sympathy or an understanding as to what I had to go through to find out that their interests and annual fees had accumulates unseen. This is simply not my fault, these things happen and I requested that Bank of America change their past due reporting because I had not received any warning phone calls, and heads up or any concern from them regarding this. I am and always have been a loyal customer and they sent me a letter claiming that I am repsobile for this late but I am absolutely not. Once it came to my attention at the branch that I had unseen balances on this card I made a large payment to cover it all. I am very financially responsible and this was not my fault. Even at the branch i was not told that I had any minimum payments to pay and I was aware that i had a zero balance after making a complete and full payment the month before. It is completely unfair that after a few days of not receiving a payment this company neither contacted me nor did they follow up with me, they simply sent me into default for that month. They have charged me over {$200.00} in fees that year and this is unheard of and I ca n't understand why. They did this and now i have a balance even higher than i suspected on a month where i received no statements or email regarding a payment that was due. I asked whether my mail was returned and no associate was aware nor had they any answers for me. Please investigate this situation for me. this is not fair at all.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed by from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit 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 explanation
Consumer complaint received 12-07-2015 about Debt collection (Medical) with Aargon Agency, Inc. (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had requested an official verification of debt under the FDCPA and Hawaii FDCPA from a collection agency, named Argon Agency located XXXX, XXXX Hawaii. The legal definition of " verification '' means to affirm by oath or affidavit. Unfortunately, the alleged debt collector failed to do this even though I had requested it in writing several times. 

They have consistently defamed me to the consumer reporting agencies fraudulently without verification or acknowledge my dispute as a disputed debt, blatantly misrepresenting the debt. 

These acts have caused great injury and irreparable damages in blocking me from credit worthiness that has negatively affected my housing and financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV FUNDING LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...

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 07/21/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (VA).
Issue: Payoff process

Complaint: I had an XXXX card with XXXX. The account was placed with Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX for collection. In XXXX 2016 I agreed to a settlement of XXXX monthly payments commencing XXXX XXXX, and ending XXXX XXXX, 2016. After the final payment was made I have continually asked for a payment in full letter, which I can not receive. The account is still listed on my credit report as having an outstanding balance and has affected my credit for purchasing a home. I just want them to acknowledge payment in full and send me the satisfaction letter, and report to the appropriate credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (KY).
Issue: Managing the loan or lease

Complaint: The finance institution, TD Auto Finance, said I was late 24 months out of 72. Based on the records they sent I had XXXX double payments starting with XXXX XXXX, 2008. XXXX payments were sent and they charged interest on both payments. In the double payment months only XXXX payment should have been charged interest and the total second payment should have been applied to the principal. To get the pink slip for payoff to release the car, they said I owed XXXX ( XXXX in interest, XXXX for late charges ad XXXX attorney fees ). According to their paper work the loan was off in advance. The have overcharged me the XXXX in interest and three months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on   X/XX/17  and  are proceeding to sale set fo r   XXXX   - the lender  is in violation of regulation  X-12 USC 2605 ( e ) ( 1 ) and the clients right  to counsel.

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 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly disputed issues with my credit bureau reports ( XXXX, Transunion, and XXXX ) and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all three agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e XXXX property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Employment information is not up to date. I have working for the XXXX XXXX XXXX XXXX XXXX XXXX and it not reflected in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On this date XXXX/XXXX/2016 ( see attached ). 

Equifax corrected several items off of my Credit Report and deleted them. ( See attached ) On this date XXXX/XXXX/2016, I noticed that these items were in fact not deleted and also left in investigation status which has taken longer than 30 days. 

I understand from the F.T.C. that they can not reinstate things they deleted without notifying me within five days of reinstating them. Instead of filing an F.T.C. complaint I decided to directly to you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: In early XXXX of 2016, I purchased a XXXX, from Walmart. com. On Tuesday, XXXX XXXX, 2016, I picked up the product for Walmart neighborhood store number XXXX. When I opened the box, the Push Up Pump was severely damaged, with missing parts, I was unable to assemble the XXXX. I returned the XXXX to the store on the same day. It was signed for by the Customer Service Manager by the name of XXXX. It was authorized by representative XXXX at Walmart. com, XXXX Walmart phone number. Also, I have a receipt from the store stating it was returned. To this date, Walmart has refused to credit my credit card for the amount of {$82.00}, and stated the product was not returned. This is an unfair and criminal act by Walmart. I did returned the XXXX to the store.

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 05-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: * Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   credit card.   I made three payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was told  XXXX   XXXX  had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  Portfolio Recovery  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacted  XXXX   XXXX  but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  XXXX   XXXX .     In  XXXX   XXXX  I contacted both  Portfolio Recovery  and  XXXX    XXXX  k.  Portfolio Recovery  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance.  XXXX  said the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth with  XXXX  Bank and  Portfolio Recovery  since  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; Date : XXXX XXXX, 2015 XXXX XXXXSubject : To : & lt ; XXXXXXXXXXXX & gt ; Cc : On attempt to file tax forms with taxslayer a site recommended by irs. When try

Company response to consumer: Closed with explanation