milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute 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 03/25/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: I Applied for Business Bank Account through Capital One, XXXX, And was declined because of the following One or more applicants, account holders or beneficiaries has past or present civil or criminal charges. When is a bank required to do a Criminal Background before a Business Account can be issued?

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Comenity Bank, representing Victoria Secret, has called me SEVEN times a day, EVERY day, for the past week ( XX/XX/XXXX-XX/XX/XXXX ) from an UNKNOWN number. I am past due on a payment, but my account indicates a new minimum payment due - including the past due payment and late fee - on the next billing cycle ( XX/XX/XXXX ).
I told them when they first started calling, 5 days after my payment, that I was not able to make the past due payment until my next payday and that I will make sure the account is paid up to date by the current due date. I advised them to not call back regarding this payment, unless XX/XX/XXXX passes and they have still not received payment.
That stopped the calling for a day, and then it continued. They call a minimum of 7 times a day between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: on XX/XX/XXXX I called Equifax to dispute addresses that did not belong to me they deleted the address but not the inquires attached to them none of the inquiries resulted in accounts from nor where they ever done by me the following inquiries need to be deleted there are no accounts ever done by me or showing on my credit report the following things need immediate deletion per section 623 of the FCRA as well as section 609 of the FCRA as well as section 611 FCRA please send me requested proof that these belong to me I never requested anything from these companies these where done at addresses that where deleted off my credit file thank you I need XXXX deletions done asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

EQUIFAX MORTGAGE SOL EQUIFAX MORTGAGE SOL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Health care collections llc has two medical bills on my credit reports that were inaccurately billed! One for XXXX dollars and another for XXXX. Both of them should have been billed to my medicaide and were not! My insurance company had sent them a letter stating that all medical bills were to be sent to them and they did not receive it! I have disputed this it multiple times and it has been removed and re added! This needs to be removed from my reports asap as it should have never been placed there! Its not my fault there company did not process the billing correctly!

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 01/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a co-signor on my daughter 's student loans with Navient XXXX XXXX XXXX. We have been paying on her loans, on time for over five years. On XXXX XXXX. XXXX my daughter initiated the paperwork require by Navient to have me released as her co-signor. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX we mailed and faxed all of the necessary documentation to Navient but received NO response from them. On XXXX/XXXX/XXXX I contacted Navient via telephone and was informed that they never received ANY of the documents I had mailed and faxed multiple times. I as then then given ANOTHER fax number, XXXX XXXX XXXX. Again, we faxed and mailed the necessary paperwork on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date we have received NO response, nothing. The monthly bills have ALWAYS been paid on time. When I try to contact them via telephone I am transferred multiple times, left on hold, and often just disconnected. On the rare occasion that I do speak with someone they report that there are NO notes in the system from the MANY prior phone calls. We are need help getting this cleared up, contacting them is pointless.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was checking my credit and a listing showed up under collections.     I am not aware of owing money or being behind or late on any payments.     I have not received any notice, statements, emails or phone calls in the last 2 years of being late on any payments or owing any money.     The claim that I owe {$310.00} was made on  XX/XX/2015   . I do not recall purchasing anything remotely close to that value on  XXXX  day on that time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have student loans through Fed Loans and I qualify for the Public Loan Forgiveness Program as well as the Income Based Repayment plan. I contacted them recently because they had my start date for paying my loans off by 3 years. I was instructed by them to refile my paperwork for both program ( listed above ). They have yet to contact me about the change to my start date. However, they have notified me that I no longer qualify for the Income Based Repayment plan because " I make too much money. '' My income is the same that it 's been for the past two years and they even admitted to me that they " improperly '' adjusted my payment over that time. But when I 've asked for paperwork showing proof of this, they have n't sent me anything. In fact, they 've implied that they are comparing an after tax gross income to a pre-tax gross income and that 's what explains my change in annual pay. Again, upon multiple requests, they 've refused to send me any documentation of this and, instead, recommended that I go into deferment until the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called looking for someone by a name that does not reside here. Caller was advised of this and went on to question if I knew the person. There is no one here by the name that they are looking for and no one has any business ( past, present, future ) with this company. 

The number on the caller ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX charged me XXXX for services I never received The collection was initiated by XXXX and was closed and then a year later was reinitiated by Diversified Consultants I have sent registered letters to Credit Bureau 's and have been removed Now its back again I really need help on this I have a great credit record and never owed anyone for a collection

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Trouble during payment process

Complaint: I was one of many individuals who decided to prepay their property taxes in XX/XX/XXXX. At that time, I notified Freedom Mortgage that my property tax was prepaid for payments due in XXXX. The representative stated that early in the year in XXXX that they would be conducting escrow analysis and refund the money prepaid after the analysis. 

After no action from Freedom Mortgage, I contacted them in XXXX and explained the situation. I again restated the prepayment situation and my conversation with their representative in XX/XX/XXXX and asked that an escrow analysis be completed as the two property payments in XX/XX/XXXX and XX/XX/XXXX would not occur from Freedom Mortgage and to refund me the money. They stated that the escrow analysis would be completed and refunded to me. 

An analysis and check for the XXXX payment was provided in XX/XX/XXXX. However, only half of the amount due was refunded to me. I immediately called them and stated that their analysis was incomplete and they owed me the XXXX payment. They stated that their analysis team did not consider the second payment and requested additional documentation and proof of payment which I provided minutes later. They stated that the new analysis would be expedited the following week. 

After no action, I called Freedom Mortgage back a week later and asked where the analysis was. The representative stated it was still in process. 

I called back yet another week later after no action on XX/XX/XXXX and asked where the analysis was. They stated it would be completed on XX/XX/XXXX. 

After no action, I called back on XX/XX/XXXX and asked where the analysis was. They stated it would not scheduled to occur until the end of the month. I countered stating that they told me this would be expedited and was to be completed by now. I then asked to speak with a supervisor. The supervisor was also unhelpful. He stated that the multiple requests to have the escrow analysis redone were closed and that no action was to be taken. I again explained the situation and requested we speak to the analysis team as they were not reading their notes or correctly assessing customer accounts. He refused saying " he didn't have their number. '' Freedom Mortgage has continued to stonewall my attempts at getting an escrow refund legally due to me and my repeated attempts at trying to get them to remedy the situation have failed. I have no other option than to report them.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraudulent account, XXXX XXXX XXXX ,XX/XX/XXXX2010, XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Thank you for not providing all documents to us on this matter and we are n't fighting your judgement just saying thank you for that judgement

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TransUnion in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be  subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B  ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that TransUnion themselves and XXXX has deleted as inaccurate : XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX 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 05/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Unsolicited issuance of credit card

Complaint: XXXX card was evidently discontinued and transitioned to Barclaycard XXXX. I received these notifications but declined the offer, did not respond and did not activate the BarclayCard. 

Unfortunately XXXX and BarclayCard took it upon themselves to open an account for me and pay a merchant, XXXX I had setup for an annual subscription with the XXXX card. 
My complaint is that I did not approve the transfer and opening of a XXXX account, did not approve that account ( with BarclayCard ) to pay anyone on my behalf. 
I have now had to spend my time ( time is $ ) to clean up this mess. Barclaycard sent me multitude of mailers that I promptly threw in the trash, again I DID NOT want to have their offered XXXX, and I made my choice by NOT accepting the offer. As I was unaware they had created an account and paid out on it, I ignored all mail from them and they continued to add charges and fees, and now want me to pay this vendor, that they chose to pay without my approval. 

My understanding of consumer credit is that an express permission/acceptance is required in order for a credit card company to actually open an account and accept/pay charges against it. When did it become legal to just transfer and open new accounts without my express permission? 
The merchant was XXXX I had setup some time ago, an annual subscription, and yes I had forgotten. However, it has been my experience that when I change cards/accounts or the card expires these merchants will contact me and ask for a new payment solution. This is what I expected when XXXX discontinued their card. I did not expect that some bank could just create a new account for me.

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 09-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I applied to Ocwen Loan Servicing for a loan modification in order to lower my 6 % mortgage rate. They refused to give me a lower interest rate, but did reduce my {$85.00} a month mortgage payment because my income went down after going on Social Security. 
Beginning with the " XXXX month trial period '' in XXXX, Ocwen started bombarding me with delinquency notices and threatening letters. I have made all payments and have been assured that these delinquency letters are " automatically generated '' during a loan modification and will stop once the modification is finalized. The modification was finalized XX/XX/XXXX, but the delinquency notices have ramped-up to an alarming rate. For example, during the month of XXXX I received XXXX DELINQUENCY NOTICES. See attached. 
Every time I call their customer service number to sort this out I get a different answer .... During my last conversation with customer rep XXXX XXXX on XXXX XXXX, she admitted that Ocwen made a mistake on the modification and it has to be redone. I do n't know how much longer I can take the harassment from this company. I feel like I am being systematically tortured and nobody in the company is able to fix the problem. Did I mention that during the month of XXXX I received XXXX delinquency notices? See attachments. 
Here 's what rankles me the most because it is so unequitable. They screwed up my loan modification and have put me through XXXX and they get off scot free. I was late making XXXX payment XX/XX/XXXX XXXX the XXXX and only time I have ever been late ) and my credit score dropped from XXXX to XXXX. I would be forever grateful if you could put some pressure on the company to ( 1 ) FIX THE PROBLEM, and ( 2 ) Restore my credit ratingas a good-faith gesture to re-pay me for the numerous mistakes they have made and the untold number of delinquency notices they have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with U.S. BANCORP (AR).
Issue: Advertising and marketing

Complaint: I am a USBank Depositor ( DDA ) and hold a USBank issued credit card. I was in their branch located at XXXX XXXX, XXXX XXXX, AR to make a DDA deposit when I was advised that I had been pre-approved for a balance transfer option with 12 months of 0 % interest with no fee. All they needed was my annual income. I was advised ( TWICE ) the credit inquiry was a soft pull and I assumed this to be true considering I have a USBank credit card. After spending time in their office, providing my income and employment information, the pre-approval was declined and I subsequently have a hard pull inquiry on my XXXX. The teller and/or " personal banker '' had little or no knowledge about their credit card products or how they worked. It appeared they were simply trying to get me to apply. I would not have applied unless I was truly approved. In fact, I asked about the credit limit and was advised that this could not be confirmed without a softpull! The softpull was truly a hard pull and a decline due to my credit card usage. ( I knew I had balances, assumed USBank did, too and this is exactly the reason I was interested in the balance transfer! ). USBank has caused my credit score to DECREASE due to their fraudulent sales and marketing.

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 12/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief