milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax continues to avoid a serious issue i am having with an inaccurately reported account. They continually delete and reinsert even more inaccurate information and send it to my home pretending they have " updated '' and " investigated '' and received those conclusions but they are playing games with my credit report and my FICO score and most importantly with my emotions! XXXX is not reporting correctly an every time i correspond with them they keep sending me the same ridiculous letter saying it was " VERIFIED AS MINE ' and i keep telling them that its not the verification i am asking you to correct or investigate, it is your inaccurate reporting of the status and payment history in this account! Equifax is the only bureau that keeps changing things around and making this account worse on my life. Firstly, they were reporting this as derogatory with NO indications as to why so i disputed it asking why this account was in the derogatory section of my file and then they added on a 120 day LATE status to it. This account has NEVER been late, it was paid in full in XXXX the same month it was transferd as an overpayment from my student loan without my consent. Then i disputed the 120 day late because they blocked me from obtaining a home and applying for a mortgage and for months they avoided me and kept sending me ridiculous letters that its accurate. Then about a month ago i complained through the CFPB and they deleted the 120 days late and made it a collection. WHAT on earth is Equifax doing? This is ruining my life. I have never been on collection my entire life and they can not delete information and add information without listening to me and i even asked them for a method of how this was validated since XXXX and they have provided me with absolutely nothing and absolutely no proof that anyone has investigated this for me. Equifax simply sent me the same ridiculous letter and told me to contact whatever number i saw corresponding to the account, i called the number and it was the WRONG department and NOBODY could help me! This account needs to be deleted once and for all, i have already discussed my case with an attorney, i have LOST a mortgage on my dream home for my family, I have lost soooo much money on this inaccurate reporting an Equifax continues to play games with me and my report! They should be banished from the financial world, shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Late fee

Complaint: I made a payment and also enrolled in auto-pay so I would n't have any late payments or late payment fees. I heard Walmart had a habit of charging late fees. Since I enrolled in auto-pay and made a payment to stay current I was charged a late fee. I called them to inquire and they said they would removed the late fee. I just checked and the late fee was never removed. I again just scheduled another payment. I hope it 's credited to my account this 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 explanation
Consumer complaint received 10/20/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I negotiated a settlement a XXXX XXXX XXXX XXXX for a judgement against me from XXXX which resulted in a lien being placed against my property. 

XXXX XXXX XXXX received payment in full on this settlement on XXXX XXXX, XXXX. I was told that within 30 days I would receive a satisfaction of judgement and that the lien would be released. In a letter I received from them on XXXX XXXX, XXXX they state : " Upon receipt and clearance of your payment ( s ) for the settlement amount, no further attempts will be made to collect the remaining balance. XXXX XXXX XXXX will submit a request to the attorney of record, or its appointed entity, to file a satisfaction of judgement with the In The Metropolitan Court of XXXX XXXX, NM and release any lien ( s ) that may be associted with Docket XXXX. '' I have contacted XXXX XXXX XXXX multiple times requesting a status on the satisfaction of judgement and each time I 'm given a different story and they refuse to product the document. 

After 30 days they still have not issued the satisfaction of judgement and will not give me an answer as to when they will produce this document and remove the lien from my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Consumer Financial Protection Bureau, Servicing of my loan was transferred to Specialized Loan Servicing ( SLS ) on XXXX XXXX 2015 and I received my first billing statement dated XXXX XXXX 2015. The billing statement contained XXXX glaring errors, including incorrect balance, wrongly applied payment, incorrect finance charge, and incorrect calculation of next monthly payment. 

I submitted a qualified written request to SLS on XXXX XXXX 2015 clearly pointing out the errors, providing detailed explanations of the correct calculation of each element of the bill, and provided statements from the previous servicer demonstrating the correct calculation of the bill. 

I received a response from SLS which failed to correct or even address XXXX of the XXXX errors. The response merely noted that " our records indicate that the payment received XXXX XXXX, 2015 has been adjusted with a reversal of {$1600.00} from the payment and applying it to the principal as of XXXX XXXX, 2015. '' This amount is incorrect and no explanation was given for how they arrived at this amount. The correct adjustment was clearly explained in my letter. 

Their response failed to even address the other XXXX errors regarding the incorrect balance, incorrect calculation of interest, and incorrect calculation of next monthly payment. 

Therefore, the response received from SLS did not satisfy the legal requirement under the Real Estate Settlement Procedures Act to either correct or explain the errors pointed out in my qualified written request. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (AR).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2016, I received the attached letter in the mail from American Credit Acceptance, dated XXXX XXXX, 2016. The letter states that American Credit Acceptance received a credit application from XXXX XXXX XXXX on my behalf. 

This letter is some type of fraud or scam! I have n't submitted an application to XXXX XXXX XXXX this year. The letter also states that it ran my credit via XXXX. I checked my XXXX credit report, and Thankfully, as of today, there is no evidence that American Credit Acceptance accessed my XXXX credit report. 

Also, this letter states totally inaccurate information regarding the status of my credit. I have never done business with American Credit Acceptance. 

I want a copy of the credit application and the XXXX credit report that is referred in the attached letter. 

I have selected " Taking out the loan or lease '' as the closest appropriate option for this compliant. There is not an option that describes my complaint since this issue is in regards to a loan application that I did n't submit!! 
Thanks for your assistance!

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian stated from previous dispute X/X/2018 that majority of the accounts that I stated are not mine, provided proof they were not mine, Experian is saying they were verified. There is no way that the accounts could be verified as mine because I was the victim of identity theft. Experian deleted four accounts on that ground but want to validate the others. Experian is in complete violation of protecting my private information that I did n't give them permission to share in the first place. Also, because Experian falsely reporting on my credit, failed to follow reasonable procedures, and failed to conduct reasonable reinvestigation with respect to the inaccurate credit information. I contacted the Court about the false bankruptcies and they stated that Experian did not contact them concerning the Bankruptcies falsely reporting on my credit report. So, Experian must have verified false information with a third party which is also a violation for misrepresenting to me that you contacted the actual creditor when you did not.

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 03/20/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: I received a letter from Chase indicating they had overcharged me on interest while I was recalled as a military reservist subject to SCRA protections. They refunded me approximately {$2600.00}. They then filed it as " income '' with the IRS and sent me a XXXX. It was money I had already earned and paid taxes on which they wrongly charged me and then refunded. It was not income. I should not have to pay taxes twice on the same money. I sent them a letter in early XX/XX/XXXX, but they have not responded to my request for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Been in the re modification stage of my mortgage loan for 7 months. Was stated that it would be ready in XX/XX/2015. Mortgage company still has yet to finish the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my Experian credit report I had filed a dispute for an account that was open under identity theft fraudulent activity. I had mailed a copy of the police report that identity theft affidavit from the FTC website. they requested more self-identifying documentation which I submitted my bill and a copy of my ID and Social Security. I requested the updated credit report file and the fraudulent account is still being reported. I specifically called Experian and talk to a customer service representative and she went through the paperwork on file that I had submitted telling me that I need an updated police report and either way they ( experian ) did not have authority to remove the account from my credit profile.
I 'm getting really frustrated because I submitted the same print out documents to XXXX and XXXX at the same time ( around end of XXXX ) for the same account and both companies successfully deleted that account from being reported on my credit report. I called Experian the second time demanding that they remove the account from my report because I had submitted all supporting documentation around XXXX XXXX, 2017. The customer service representative refused to remove the account even though I had the police report on file with Experian.
And I received a phone call and attempt to collect a debt from the creditor where the fraudulent account was open, they called me on my cell phone did not verify who I was and started accusing me of opening the account. I specifically wrote a cease and do not contact letter to the Creditor. The Creditor has violated my right by calling my cell phone after I demanded they stop contacting me. I never gave them my cell phone to call I do n't know how they obtained to my phone number. I feel like I was being harassed because I asked them if they had on file my request to not contact me and the gentleman on the phone simply started to tell me I need to make a payment and I have an account that needs to be paid.
I have suffered and I have been denied credit because of this collections account the bad payment history on the account and the amount of the account it 's been a long time I have been going through the process to get this account removed and these companies are giving me hard time I want to seek compensation, credit repair for the damages done to my good payment history. Also the balance that the Creditor is reporting to the credit bureaus has gone up but supposedly the account is in collections?

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 02-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wife and I recently applied for a home loan and noticed several errors on our credit report. XXXX in specific showed a liability of {$9100.00} to " Capital One. '' I have never had a credit card with Capital One and the first call I made to them was exhausting. The women was rude and not helpful. Eventually I was transferred to the fraud department and they told me they would send me a fraud packet. I never received anything. I called again and was transferred to the fraud department and I told them my complaint and that I had never received the fraud packet. They informed me that their findings determined that it was not a fraudulent account and that 's why they never sent me anything. I also received a letter from the IRS stating that I owed money since the account was written off. I have been unable to obtain any information from Capital Once regarding these charges they allege I owe. I asked when and where the account was open, if they had my signature on file, I asked for a detailed explanation of all the charges. The only question they answered was that the account was closed in 2009. I have contacted the IRS and they are investing my claim as well. I maintain that this account is not mine and was opened without my consent. I have called capital one 3 times and I still have no answers. I want to know how and when this account was opened? A detailed list of all charges? They stated this account was closed in 2009, who closed this account? Why was it closed? Why is this the first time I am hearing of a debt to them? This account was closed in 2009 ... .7 years later and the only reason I found out about this account was because it came up on my credit report and I received a bill from the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: my credit report is freezing i did ask XXXX located at XXXX XXXX, XXXX, ga XXXX but this agency charge my credit card and not unlock my credit. 
please help me to lift a freeze on my credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Medical) with Pro Com Services of Illinois, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello I have XXXX collections from hospital on my credit I should n't of been charged because I have a medical card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 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: Account information incorrect

Complaint: credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX   XXXX  nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.

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 11/22/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have few student loans from XXXX XXXX. The XXXX XXXX loans from them was on XX/XX/XXXX, XXXX XXXX loans was on XX/XX/XXXX. But based on Equifax 's credit file my loan starting dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am attaching the letter that I received from XXXX XXXX that shows the loan dates and amounts. I requested EQUIFAX to investigate the accounts but after 30 days they bring the conclusion that everything had been reported accurate. It 's a clear violation to FTC rules. Please ask them to remove the in accurate accounts to remove off my file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: discover card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: EXPERIAN. I DISPUTED BY HAND A DETAILED SUMMARY OF WRONG NEGATIVES ON MY REPORT EXPERIAN ONLY SENT BACK A REPORT NOT INVESTIGATED GIVING EMBEDDED EXCUSES WHY THEY WONT TAKE OFF THIS WRONG INFORMATION. TELLING ME TO BE SPECIFIC. HOW MUCH MORE CAN YOU EXPLAIN BY MARKING ON THEIR PAPER WITH X 'S THIS IS NOT MINE. ADDRESSES INQUIRES, WRONG NEGATIVE ACCOUNTS THAT I MARKED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They continue to call my work after I asked them not to. They are rude and said it was a claim against my social security #. Then the next day it was a recording with my name on it. And today they spoke to someone at my work asking for verification of my employment and the fax #. Then they said they will send someone over there to hand deliver. I already spoke to them and told them I do n't have {$9800.00} to pay them and to send anything to my home address.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I just made a large payment of {$650.00} to my  XXXX  card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.

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 12/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Credit card protection / Debt protection

Complaint: Capital One has refused to protect my credit card ( MasterCard ) from fraud. An online company charged my credit card more than a dozen times, more than {$2000.00}, without my authorization and after I had expressly forbade them to do so in an email. This continued for three months, XXXX through XXXX, 2015. First I demanded that they close my account, and they said they would, but charges continued to come on my credit card account, so obviously they kept my account open against my wishes. I demanded they close the account three times by telephone, and they blocked my account online so I could n't close it myself. I reported this to Capital One, and asked them to block payment to this company, but they refused to do that, which would have solved the problem the very first time a new charge came through. As an alternative, they offered to refund my account, and asked for documentation for my claim. I gave them written emails and pages from the online company 's website which proved that I had ordered them to cease charging me two months earlier, and I refuted with documentation every lie that this fraudulent online company countered with. But Capital One refused to protect my credit card from fraud. I had to cancel my credit card number to stop the online company finally, and now I have cancelled my Capital One account altogether. They do not care about their customers, and anyone who accepts a credit card from them will regret it. Capital One will not protect you against fraud.

Company response to consumer: Closed with monetary relief