milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: It has been two months that I have been asking for verification, still have an unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EXPERIAN Provide verification of the following company XXXX : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EXPERIAN. Cease and Desist all further communications and collection actives and provide the verification of the purported debt from 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 04/18/2016 about Payday loan () with Trademark Management Solutions, LLC. (IN).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan out XXXX/XXXX/2015 with XXXX payday loans for XXXX. Had medical issues and just had a baby to where I was n't able to pay. I recieved a call and voice-mail today disclosing personal and unnecessary info. Called them and the woman, XXXX XXXX was very XXXX and threatening that XXXX needs to be paid today. Advised i do n't have it and can i make payments to pay it off because I 'll take ownership for what I owe. But they do n't want to help and want it paid in full. I 'm a XXXX so I hsve very little income. The finance charge that I later found out was extremely high and was not told that when i signed. I borrowed XXXX, so i was to pay back XXXX at the the end. I asked for the loan agreement but they just wanted to email and sign that I got it ... no i want it mailed and they said they ca n't which makes me suspicious

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with Gatestone & Co. International Inc. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Gatestone contacted members of my wife 's family frequently and regularly over the past few years concerning a debt they claim belongs to my wife and I. Persisted to harass relatives even when asked to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (FL).
Issue: Managing the loan or lease

Complaint: 30 days late assesd to account ( car was refinanced ] XXXX/XXXX/15 ccheck XXXX check XXXX payment XXXX file closed

Company public response: Company 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 EQUIFAX, INC. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A charge of XXXX Not For an XXXX is reflecting inside of my background and it shows XXXX next to this offense. This charge was dismissed and should not reflect inside of my background.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Afni , Inc in XXXX XXXX requesting payment for debt so I asked them in writing to provide me with a breakdown vial USPS mail of what I allegedly owe as well as documents from XXXX XXXX XXXX with my signature agreeing to this account as I suspected fraud. They never responded. After contacting the XXXX about this in XXXX, Afni now states that I have a past due XXXX XXXX XXXX account in the amount {$120.00} from XXXX ( yet they have listed this account as being opened in XXXX on my credit reports ) and included past due bills as verification that this account was mine. I expected to see an actual breakdown of how they came up with {$120.00} or notice from XXXX XXXX XXXX that has my signature agreeing to this service. They have not produced that information to me and by attaching bills, I believe they know this account is n't mine nor can they prove it but they want to bully me into paying a debt that I NEVER owned.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I sent a letter to XXXX and Experian ; asking them to investigate three errors on my credit report. Two months have gone by, and they have not responded yet. I have even sent follow-up letters that have not been responded to either.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to   XXXX   reporting on my credit report. It is now   XXXX   2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Customer service / Customer relations

Complaint: The XXXX XXXX " divorce '' from XXXX and changeover to a Citi Visa card was badly botched. When I went to XXXX to complain there were hundreds of people in front of me. I paid my XXXX card in full on XXXX XXXX but when XXXX switched the account to Citi they did not include my payment. Citi told me to stop payment on my check, which I did. Then I paid the full amount to Citi ( check has cleared ). Now Citi claims I owe them $ XXXX in interest charges. I explained what happened but they are unwilling to help. The manager at XXXX has been understanding and helpful but the issue is still not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Trans Union ; asking them to correct errors on my credit report. XXXX and XXXX  responded with the corrections, but Trans Union has not yet responded. They are supposed to respond within 30 days.

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 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: EXPERIAN HAS VIOLATED THE FAIR CREDIT PROTECTION ACT. 

THEY PREVIOUSLY DELETED A TRADE LINE BY " XXXX '' IN MINNESOTA WITH STATUS OF " UNKNOWN ''. THEY DELETED THIS TRADE-IN ON XXXX AS I HAVE MANY MONTHLY CREDIT REPORTS DIRECTLY FROM THEM FROM XXXX TO XXXX XXXX. OUT OF THE BLUE, WITHOUT ANY NOTIFICATION, THIS TRADE LINE IS SHOWING UP ON MY CREDIT REPORT AND IN DIRECT VIOLATION OF THE ACT. 

I SUGGEST THEIR COMPLIANCE DEPT ALONG WITH THEIR LEGAL DEPARTMENT CAREFULLY REVIEW MY CREDIT REPORT, DAY BY DAY SINCE XXXX SO THEY CAN FIND WHERE THEY VIOLATED THE ACT WHICH IS A CAUSE FOR MONETARY PENALTIES AWARDED TO ME IN ADDITION TO CAUSING MY FINANCIAL HARM. 

THEY NEED TO REVIEW THEIR FILES AND IMMEDIATELY DELETE THIS TRADELINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is past the statute and should NOT be listed on my personal credit file Experian XXXX XXXX XXXX # XXXX please remove

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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit reporting () with BARCLAYS BANK DELAWARE (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have never applied for credit with this company. My personal information is being used by someone i have not given permission to do this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Making/receiving payments, sending money

Complaint: I use XXXX to download my monthly bank statement via web connect and import it into the program. I purchased the program in 2010 and have been billed by Citizens Bank {$9.00} every month since then without my consent or knowledge. The fee is not labeled on my Citizen 's statement and I thought it was a " phone '' use payment ( and is marked as such in my XXXX files XXXX. I finally called and visited the bank about this today to help me identify the source. The gentleman there called into the company and stated it was a quicken fee. I did a little research when I returned home and realized it is a bank fee for the online bill paying service. I do not use bill paying, only web connect, and never signed up for it anywhere. See the instructions Citizen published info on its website regarding signing up for this service. ( XXXX XXXX ) ( this is for pc but there is a similar one for XXXX XXXX. I then called into the number on that page and another person said I should be checking my monthly statement and he would reimburse me only two months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX-2018 I was advised by a law firm that my salaries were being garnished in XXXX County, GA, a county I have not lived in for over 23 years. I went to the county 's public records and XXXX XXXX  XXXX, XXXX filed an Affidavit for Continuing Garnishment and for disbursement funds to be issued to XXXX XXXX ( Attorney for Plaintiff ) -Bar # : XXXX, Tel : ( XXXX ) XXXX. 
I have not been notified of this ganishment ; I do not have any outstanding debt with XXXX XXXX XXXX, XXXX. ; the address Portfolio provided to the XXXX  County magistrate court for XXXX XXXX ( my employer ) is false, as it is instead the address of the courthouse in XXXX County. 
All of my outstanding debts are in good standing. It seems Portfolio is attempting to collect on a debt that has either passed its statute of limitations-as it is no longer on my credit report, or one that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Keep getting interest rate increases without any late payments or any notice.    XXXX   XXXX    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 01-05-2016 about Debt collection (Payday loan) with Moneytree Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I applied for and granted a {$150.00} loan from Moneytree, inc, XXXX , Washington , with a repayment of {$170.00}. The funds were picked up on XX/XX/XXXX, and had a payback date of XX/XX/XXXX. On XX/XX/XXXX my Husband made an on line payment to my account of {$170.00}. On XX/XX/XXXX a payment of {$170.00} was made from our checking account, XXXX XXXX XXXX XXXX XXXX to Moneytree, inc to repay the loan in full. The money was " NOT '' returned, our account only shows a withdrawal from our account by Moneytree, inc. On XXXX/XXXX/XXXX Moneytree took the payment again from my checking account making a total payment of {$340.00} for a {$150.00} loan. Repeated contact with Moneytree, inc via email, FAX, and a visit to the local Moneytree location in XXXX has resulted in receiving no help. I have received an email from Moneytree, inc stating that " maybe '' the money was credited to another account. Since Moneytree can not tell me where the extra money went I am filling a complaint with the Consumer Financial Protection Bureau, and the Federal Trade Commission in a effort to resolve this issue. I can provide copies of my bank statements showing the XXXX withdrawals for {$170.00}. This makes a total payment of {$340.00} for a {$150.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Payoff process

Complaint: I opened a Lowes 0 % credit card because I was doing renovation on my home. I wanted to make large purchases and have an opportunity to take advantage of their 0 % for 6 months offer, as I would be getting several large checks to pay them off. This is the payoff scenario : Purchase Date/Purchase Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$41.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$740.00} / {$720.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX I made a payment of {$770.00}, which should have wiped out the first XXXX payments, left the XXXX balance with {$32.00}, and the last balance as is. 

Instead, they spread out my payment ( see below ), and did NOT pay off the soonest expiration date item, and applied a portion of the payment to a balance that isnt even due for 17 months! 
Purchase Date/Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$30.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX requires that credit card companies must apply your entire payment, minus the required minimum payment amount, to the highest interest rate balance on your card. That requirement took effect XXXX XXXX, XXXX. I 'd have to assume this would also apply to expiring promotional rate payment allocation. 

I called and complained to Lowes customer service and they reversed the payments and reallocted how the payment is to be paid off. I did see a " footnote '' in their statement, that they will apply payment how they see fit and if the consumer wants to reallocate the payment in a different way, it 's the responsibility of the consumer to read and understand the fine print and call THEM to tell them how to allocate payment. This is deceptive. This credit card company was allocating my payment in THEIR best interest, not mine.

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 03/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all three agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Ocwen is falsely reporting is preventing XXXX- XXXX from getting financing on a new home.
<P/>
XXXX XXXX- XXXX  purchased the property located at XXXX XXXX XXXX XXXX , XXXX XXXX and the making payment to the servicer GMAC Loan # XXXX XXXX XXXX until XX/XX/XXXX when the loan was purchased by Ocwen Loan Servicing , LLC.
<P/>
XXXX  XXXX- XXXX filed BK XX/XX/XXXX and continued to make payments to the loan servicers on her home on time with never had any lates.
In XX/XX/XXXX her loan was sold from GMAC to OCWEN. OCWEN serviced her loan for 4 months and then she sold the house.
Exhibit-A Mortgage Statement Dates XX/XX/XXXX GMAC Loan # XXXX XXXX XXXX  with a balance of $ XXXX- Exhibit- B XXXX. XXXX- XXXX paid that loan in full though a traditional sale.
Seller Final Settlement Statement dated XX/XX/XXXX show Pay off to Ocwen Loan Servicing {$82000.00} to XX/XX/XXXX- Exhibit- B On XX/XX/XXXX Ocwen reconvened the property Loan # XXXX XXXX XXXX Full Reconveyance by Ocwen Loan Servicing LLC, # XXXX XXXX for instrument # XXXX-XXXX Doc # XXXX-XXXX- Exhibit-C XXXX. XXXX-XXXX attempt to purchase a new home only to be denied by potential lenders due to the erroneous reporting by Ocwen of loan # XXXX XXXX XXXX as a collection Thou the Loan was paid on fill as evidenced by Exhibit-C.
Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX-  Report # XXXX Page 7 under Collection Accounts Owen Loan- # XXXX XX/XX/XXXX to XX/XX/XXXX - $ XXXX- XXXX month mo. Rev- XXXX XXXXxXXXX, XXXXxXXXX, XXXXxXXXX+ Page 8 under Public Records Chapter XXXX  Docket # XXXX -filed XX/XX/XXXX Discharge XX/XX/XXXX Collections Accounts Bankruptcy XXXX- Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX-  Report # XXXX.
Exhibit- D XX/XX/XXXX XXXX. XXXX-XXXX contact Ocwen requesting Ocwen to current the faulty.
XXXX XXXX XXXX-XXXX  sent request dated XX/XX/XXXX to Ocwen asking to them to correcting the credit bureau reporting. -Exhibit- E Ocwen sent and letter stating that Ocwen determined that Ocwen did not acquire serving rights for the subject loan, Yet accepted payments and issued a Full Reconveyance, for Ocwen Loan Servicing LLC , # XXXX  Recorded Doc # XXXX XXXX on XX/XX/XXXX.
Exhibit- F This false reporting is preventing XXXX. XXXX- XXXX from getting financing on a new home.

Company response to consumer: Closed with explanation