milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2016 about Debt collection (Auto) with MILLENNIUM FINANCIAL GROUP, L.L.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a scavenger who bought a bad debt. Original creditor XXXX sold loan to XXXX. Both accounts were closed in XXXX. Michigan statue of limitations for this type of loan reporting is six years. 
The original and secondary loan holders have been removed from reporting agencies. 
Millienium obtained this information in XXXX. This is not a valid debt, and needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: 1. On XXXX/XXXX/XXXX - It got Credit report from " XXXX " that contain one out of 4 names.

wrong. They told me to contact Capital One Auto finance, who reported that information.

2. When I called XXXX, they me told me that name was provided by Capital One Auto finance and that modification can only requested by Capital One Auto finance only.. 
3. When filed dispute with them, on XXXX/XXXX/XXXX Capital One Auto finance, conveyed me to call their XXXX XXXX 4. I have been have been in communication with Capital One Auto finance number of times, since XXXX/XXXX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XXXX/XXXX/XXXX, as requested by XXXX XXXX of Capital One Auto finance 's president 's office. 
5. When called Capital One Auto finance on XXXX/XXXX/XXXX at XXXX am XXXX, they told me to call again XXXX tel # XXXX. 
6. I called XXXX tel # XXXX XXXX/XXXX/XXXX at XXXX am XXXX, they told me that there has been only one updated from Capital One Auto finance on XXXX/XXXX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by Capital One Auto finance only, This is very stressful for a person who is 75 years ... .. 

Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: National enterprise systems sent me a letter to sign inorder to participate in their loan rehabilitation program. the stated the principal balance remaining on the loans and they listed collection cost of almost {$4300.00} which aggregate the loan balance by that amount of money. I called them and said that they should collect the additional cost from the company who is asking for the money, not me. The person that I was talking to said that i agreed to pay collection costs when i said the original paperwork. 
My complaint is that these student loans are not designed to be paid back, they are set up to keep people in perpetual debt. Why does the student have to burden that cost of collections when they are already burden with the debt of paying back a loan in order to get an education. The only cost I, the former student and all students, should be responsible for is the actual cost of the education, as those cost are already exorbitant. 
We should not be charged for collections cost especially when our education does not guarantee jobs that are paying enough for us to be able to make and type of decent payment on our loans? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   and Experian has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score dro p dramatically.  XXXX   XXXX  is the collection agency and the original creditor is   XXXX   XXXX   for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.

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 10-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My spouse and I are a victim of UNFAIR credit reporting practices. Credit report agency was NOT able to throughly review the documented proof, did not review, did not properly investigate and did not provide valid poof on my request. All my documents attached show very clear proof that this was UNFAIR practice on my family but they have not provided even a single document supporting & justifying the collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted   XXXX   XXXX  , ChexSystems,   XXXX   XXXX   XXXX   about fraudulent information contained in my consumer file with ChexSystems. Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SC  XXXX  Name :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   S.C.  XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XX/XX/2016    Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    ,  AL  XXXX  Reported Name   XXXX   XXXX   XXXX   Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ,  GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Blank )  RTN :  XXXX  Account :  XXXX  Reported for NSF  : Am ount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused 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 03/16/2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The first communication that I received from the debt collector was a court summons delivered to my mother in laws home. I received the summons in hand a week later from her. The summons stated that i alledgedly owed money to the debt collector. There was no advisement that I had the right to dispute the debt and that I had 30 days to demand that the debt collector validate the debt. I then attempted to demand validation of the debt after doing online research. i sent a certified letter 9 days ago on XXXX XXXX, 2016. The post office told me today, XXXX XXXX, 2016 at approximately XXXX XXXX that the certified letter had been attempted to be delivered on XXXX XXXX, 2016 ( 2 days after I mailed it ) but was not accepted by the debt collector. So as of today, XXXX XXXX, 2016 I am withoyut knowledge or information sufficient to form an opinion as to the truth and accuracy of the claim and based on that i deny generally and specifically the claim of debt to this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo incorrectly applied an automatic biweekly payment, charged me a late fee, accused me of being two months behind, and harassed me at my place of employment. 

Wells Fargo misapplied my 2nd biweekly payment XX/XX/XXXX, wanted to charge me a resulting late fee and was telling me I was two months late on my mortgage ( XX/XX/XXXX & XX/XX/XXXX ) ; today is XX/XX/XXXX! It is absurd that they are calling it late and the day is n't even over! 

In XX/XX/XXXX XXXX payments should have been made, one on XX/XX/XXXX ( was correctly taken out ) and another payment on XX/XX/XXXX, which was not debited from my checking account. 

They made no attempts to call me at my primary number or by mail, but instead opted to call me at work to harass XXXX payments out of me. 

Note : Wells Fargo may be doing this to make up for loss of revenue due to the fraud committed by it 's executives and employees. When I mentioned I would contact the CFPB I was placed on hold and was cut off. I had to call back to proceed any further.

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 02-12-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage, LLC assumed my mortgage three months ago. Since that time, each client statement has included a line item entitled " short payment '' in the amount of {$50.00}. Therefore there is a total " short payment '' of {$150.00}. I have called Nationstar Mortgage, LLC each month inquiring about this line item. Each time that I call, they can not explain this {$50.00} " short payment '', nor do they follow up on my requests for explanation. My payment amount is, and has always been, {$990.00}. I have never been late on a mortgage payment in my lifetime, so this should not be any type of late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with FORD MOTOR CREDIT CO. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Ford Motor Credit ( FMC ) wrote me in response to CFPB complaint XXXX. Their letter states that they have not reported my XXXX payment as late. See where I have highlighted on page XXXX of FMC response " Please know the XXXX 2014 payment was NOT reported as delinquent as the payoff was received before the the payment went 30 days past due ''. 
The XXXX 2014 payment is showing as 30 days late on XXXX, and XXXX. I have attempted to resolve with the credit reporting agencies. Their response is always that FMC has confirmed the information is correct. I have contacted FMC directly and they have stated they will not change anything because it is reported correctly. I even offered to send FMC the letter they wrote. They said this would not help. I have been going back and forth with this for over 8 months to no avail. 

Some XXXX help please!

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. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, one of the three main credit reporting agencies in the United States, has reason to believe that my personal information, including date of birth, Social Security Number, and other personal, sensitive information, was accessed without my consent due to a security breach. Myself, along with hundreds of millions of other consumers have had their information stolen from one of the nations, to-be-trusted agencies, responsible for accessing and storing this information. 

Please ensure that ALL those affected, including myself, are protected from this point foward, by ensuring Equifax will not have a breach of this size again. CFPB, please help America with this breach, and ensure all consumers that this will not happen again. Furthermore, ensure that Equifax will reasonably and realistically compensate those who were affected in this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I do not have exact dates as this problem has been ongoing since    XXXX   XXXX   2016.  I am currently a   XXXX   XXXX  , unemployed, with a cosigner who is also  unemployed . My income is  XXXX  $ I am o n scholarship a nd   XXXX   at my   XXXX   XXXX   and have absolutely no way to make any sort of payments to Navient. I have been told numerous times by Navient there is a form online to fill out, which I have completed and sent back, only to be told that I must mail the document in. I have sent transcripts and asked for an explanation however, the responses I received were automated. I do not currently have a cell phone, I live abroad and rely solely upon wifi. Navient refuses to resolve my issue via secure emails and will not discuss the problem with my cosigner. My cosigner has attempted to talk with  Navient  as well, they assured her that my loans could be deferred  as I am a full time student  however they need to speak with me. This all could be easily resolved if my cosigner were allowed to speak on my behalf, yet apparently this is not an option. I am now receiving emails telling me it is nearly too late, I have logged onto my account, desperately tried to find a REAL person to email my issues to and have had no success. Each email I send is responded to with a computer generated message asking me to call instead. I am incredibly frustrated, I have never had a good experience with Navient and would like this resolved immediately so that I am not further into debt than I already am.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 XXXX XXXX XXXX placed an account for the amount of {$5900.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have not been able to file a complaint with them. The telephone numbers they supply are automated that try to sell you products with an endless loop of sales pitches. Here is the number Experian supplied XXXX. Call the number and see for yourself. I was unable to get a online copy of my credit report from them last year and also this year. Two years in a row.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04/27/2016 about Debt collection (Medical) with The CMI Group, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notice in the mail from on XXXX/XXXX/2016 from a collection agency. When I looked at the statement I noticed that it a medical collection. This is the first notice I receive from the debt collector. The notice did not look correct to me since I have been making payments to the original through my XXXX account. I reached out to the debt collector Credit Management and spoke to a woman by the name of XXXX XXXX. I explained to her my situation and she stated that they do not do research on the account and since they only receive updates every 3 months from the original creditor she could not do anything else for me to ensure my account is correct. She also stated that this had been adversely reported to my credit report and they only way this would get reported correctly is if I set payments with them. This is causing and emotional distress on me. This company and employee have acted unethically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I paid the original creditor the full amount of the debt. Somehow it was sold to another company, asset acceptance and they tried to sue. I hired a lawyer and won. The attempt was made well after the statute of limitations on unsecured debt. not to mention the debt amount was false. Now they are renewing my debt on my credit report to keep it within a statute of limitation. They will not negotiate. they will not tell me what debt they bought and for how much and give me the opportunity to pay said debt that is false. This debt is claimed to be from XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had an issue with Experian over a year ago. They kept putting incorrect information on my credit report, bringing my score down. In    XX/XX/XXXX    I had a  credit score  of  XXXX . On   XX/XX/XXXX  my score went down to  XXXX  due to a payment of {$140.00} that brought my credit card balance to  XXXX . My score has gone up  XXXX  points to  XXXX  as of  XX/XX/XXXX  with about $ 75k less debt. I find it interesting that the other credit bureaus have been changing a few points up/down depending on balances. Experian stays flat. FOR ALMOST A YEAR? that makes absolutely no sense. It also does n't make sense that my score would drop because I PAID OFF a {$140.00} debt. I am typically debt free. I have over $ 85k in credit available and pay off each credit card prior to the statement due date ( so I have no debt ). I 've paid massive amounts towards my auto and home loans, and have never been late, yet my Experian score has not changed since the  XXXX  point drop. That does n't seem right, does 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 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a credit card with XXXX XXXX XXXX, which provides a maximum credit limit of {$800.00}. Previously, I owned over {$790.00} on the credit card ; however, I have paid it down, and it is/and has carried a balance of {$280.00}. XXXX XXXX XXXX has not updated my credit reports to reflect an accurate credit card utilization. My credit card utilization is listed above XXXX %, which it should be much lower.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving numerous calls from a blocked number the past few days. This evening the number finally left me a message. The caller stated she was calling from Bank of America on an important servicing matter. Her name is XXXX XXXX. In her message she said she wanted to discuss options that may benefit me however my input is needed on this matter and to call her back to discuss the options. I figured this was regarding my Bank of America checking account so I called the number she left me back. I spoke to a different representative and they told me there were no options to discuss and that this was an attempt to collect a debt. Not once was it mentioned in the message that this was an attempt to collect a debt or that it was related to my credit card. It was misleading. I already have an agreement with Bank of Americas collections department and have been paying the agreed to amount for the past 5 months.

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