milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$110.00} to XXXX for XXXX XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$110.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX has been showing a closed account on my credit report since XX/XX/XXXX 2013. I have made several complaints and phone calls throughout the years to resolve this matter. I have reached out to the credit bureaus to send proof or validate information. Per the notes listed on my credit report XXXX XXXX XXXX  no longer owns the account, the account is a XXXX balance and the account was sold to another lender. Yet this negative item remains on my credit report without any validation which is against the law! I need proof. Remove this off of my credit report. I am fixing to get a lawyer since nothing has been done.

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 05-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery bought a XXXX credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is XXXX and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Late fee

Complaint: To whom it may concern My name is XXXX XXXX. I was card holder of XXXX from American express. My ending account number was XXXX. On closing date statement of XXXX/XXXX/2016 I paid my full statement with the amount of {$810.00} on XXXX/XXXX/2016 with conformation number XXXX and then contact with customer service and close the account and ask them to make sure this account have been paid in full and closed. couple month ago before the closing statement to what ever reason I did not receive the statement and when I saw in period of time which I expecting the statement from American express card statement, I did not receive it, I called to customer service and explain for them I did not receive the statement and when they check my mailing address, there was issue with their system. I never have late payment with them and paid in full till closing the account and customer service representative adjust and refund the late fee and refunded to my account. Unfortunately after closing the account they sent me another bill with amount of {$10.00} for interest without any explanation what is this interest for. I called them again and they told me this is interest for that {$27.00} late fee!! I told the customer service representative if Amex adjust the fee and the issue was with their system what 's the meaning of interest for late fee and this fee and interest is not in their agreement. I refuse to pay this {$10.00} to them and after while they sent me the check with amount of {$1.00} for my extra point!! After while they sent me another letter which they mention the account balance is XXXX.Recently when I check my credit report I saw they report this amount of {$10.00} to my credit history and mess with my credit score and this is NOT first time I got damage from this company. 
I talk to my attorney and explain the case to him, he encourage me to first open the case here to find solution for it and then if It is not work out step to next action. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: my concern is with green tree Servicing company.
I had to do a "short sale" on my house, but Green tree did not lose ANY money, it was the XXXX bank that agreed to take less money. Escrow closed on XX/XX/2014After all was said and done I found out that Green tree sent gardeners and other repairmen to the house and charged ME for work even tho it wasnt even my house anymore!.....they charged me over XXXX dollrs to print the notice of default in the local paper. they overcharged me XXXX dollars in paying property taxes. i called the tax collector, and they told me that XXXX dollars was refunded to "core"- should have went to me. Green tree trespassed on the property, it was another owners property. the workers took some items out of the yard....worth about 1200 dollars. And altho I did my part and left the house, they DID NOT do their part and give me the XXXX dollars relocation fee for this "foreclosure" that they acted on. 
Green tree writes me a letter saying that they had the right to keep the place in good condition. it was in good condition- they did NOT have to re key and winterize and do all these things that banks do to foreclosed homes. it went directly to another buyer.
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 06/22/2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To. the Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I want to file a complaint against the USAA Federal Savings Bank and to the XXXX for collecting a Debt that I do not owe and unrecognized Account that I never knew, base on my knowledge I only owe XXXX Debts which is settled by the Debt Settlement Company that I enrolled through the Debt Settlement Program the first Debt was settled through XXXX XXXX XXXX XXXX a Secured Credit Card Account. # XXXX which I paid in the amount of {$5800.00} both Me and the XXXX XXXX XXXX XXXX agreed on the settlement letter. and the other Debt was Unsecured Loan with Account # XXXX which is Settled through XXXX XXXX. both Me and this Collection Agency Agreed which I paid in the Amount of {$2100.00} through the debt Settlement Company that I enrolled. can you please Help me to Investigate this case. so that this Bank and the Collection Agency stop their unfair Collection Tactics. 

Sincerely 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 04/27/2017 about Checking or savings account (Checking account) with Comerica (MS).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I was scammed by someone in Florida when I stay in Mississippi on  XXXX   XXXX  ,2017. The y took {$730.00} off my card and I have not received the money yet and it 's  XXXX   XXXX  ,2017. Ini tially they told me it would tak e 30  to 45 days to dispute this matter and today they tell me it  will 45 to  90 days. They are giving me the run around and not being truthful!! I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Debt collection (Credit card) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Pentagon Federal Credit Union / Pentagon XXXX is attempting to collect a debt that was included in a bankruptcy, paid in full per the plan and discharged ( Case XXXX ). After many months of disputing this tactic with Pentagon Federal Credit Union with the credit reporting bureaus, CFPB, and the US Department of Justice, Executive Office of the US Trustees was Pentagon Federal Credit Union 's attempts to collect discharged debt was halted and incorrect credit history corrected. 

However, Pentagon Federal Credit Union is now re-attempting to collect the discharged debt by labeling the account as having a past due balance and being a charge-off. XXXX still reports this account as such on my credit file. XXXX and XXXX have corrected the account to show included in a chapter XXXX bankruptcy and with a {$0.00} balance. 

Attached is the Chapter XXXX Discharge notice that has been sent to Pentagon Federal Credit Union multiple times ; and how XXXX is incorrectly recording the account per Pentagon Federal Credit Union and its attempt to collect the debt.

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 01-03-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Other transaction problem

Complaint: I have Paypal here to service my XXXX XXXX.    XXXX
I have used you about 7 years and all of sudden had 4 chargebacks in one month.  The first $XXXX  I didnt even recognioze the customer but they said maybe someone paid with a stolen card or their grandmothers card.  I called you 2 days and each time wait hours on phone.  I asked would they ask the dispute if they had card stolen and they said they would but they didnt.  They were not going to help so I just paid the $XXXX and they waved the $XXXX  chargeback fee.

I then got 2 chatgbacks from the same customer  XXXX XXXX on different days and I called him and he said he didnt dispute anything so he came and paid me but I had to pay 2 chargback fees.;  Please read the following email from XXXX.  He nor his credit card issujer have no idea why the money he paid was sent back   So Paypal is Gyping me out of fees.  The customer sedrvise is antagonistic n and I have probably lost 2 customers.;     this is XXXX email

Re: Case update: Case XXXX XXXX	   
Tue, XX/XX/XXXX XXXX XXXX XXXX XXXX (XXXX)
To:you Details
XXXX, I called my XXXX XXXX customer service and asked them for any disputed charges from PayPal. They said that there were 2, $XXXX charges in XX/XX/XXXX from Paypal, XX/XX/XXXX and XX/XX/XXXX. But for some reason Paypal credited the payments back to the account on XX/XX/XXXX, but they didn't have a reason why. So, the charges did initially go through, according to my XXXX XXXX customer service. They wanted me to call Paypal and find out why the payments were credited back to the account. I did try calling Paypal, but they were not too cooperative since it was not my account. Please let me know what you find out.

XXXX XXXX 
XXXX 


-----Original Message-----
From: XXXX 
To: XXXX 
Sent: Sat, XX/XX/XXXX XXXX XXXX
Subject: Re: Case update: Case XXXX XXXX

Or I thinnk you can call Paypal resolution center and give them the case numbers and they will tell you what to do.   I can not close the case from my end becausae as far as they are concerned it was opened from your end  so they resolved the case by taking out the funds (and thats ok because you paid me but they also have $XXXX charge back fee for each which I paid......... here are the 2 cases again
Case ID: XXXX
Case ID: XXXX


XXXX XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian altered my personal statement that I requested be placed in my credit file. I complained and they said the statement placed in my file is the same as I requested, which it is not and is proven in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: CitiCards ( CitiBank ) made changes to my login without any information or warning. And is not providing any response to inquiries. 

Now I can NOT access and can NOT use my rewards balance of over XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is the second complaint that I have filed against American Education Services, previous file number is XXXX AES responded to my complaint after they had reviewed my files. In the reponse they stated that a letter was uploaded with the details and there is no letter on file and or I have not received any correspondence via mail. AES had also stated that I had contacted them in XX/XX/XXXX to request a forebearance, which I did not because I was not made aware that XXXX XXXX was now servicing my loan as I thought it was being serviced by XXXX XXXX XXXX, the company that I thought I had consolidated with. I was not made aware of the " fraudulent '' activity until XXXX XXXX XXXX. Per AES 's instructions, I have attempted numerous to access my acccount online with my social security number and I get error messages and or there is n't an account. AES also stated that they supplied the account number in the response to the first complaint, which they did not. AES also stated that my loan was consolidated in 2014 with XXXX XXXX, my credit report states that it was transfered. That was when I consolidated with the XXXX XXXX XXXX XXXX and I was not notified by either AES for XXXX XXXX that my loans were transferred. I am currently working with the Attorney General 's Office in trying to sort all of this out, as the consumer federal portection bureau was not able to contact me in regards to the fraudulent activity by XXXX. It would be helpful if there is a contact person at XXXX XXXX that I could speak to in an attempt to get access to my account. I have attached the documents in reference to XXXX and the suit that was filed by CFPB. I am requesting a good will adjustment to my credit files as I am trying to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested that Experian remove or reflect 'dispute resolved ' within my credit report with this bureau for a debt under XXXX XXXX XXXX XXXX XXXX. They never resolved my issue. I never disputed this debt and if I request that they remove a dispute inquiry or reflect resolved they should do their job in making sure that they fulfill my request within the 30-45 day investigation period.

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 11/28/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Taking out the loan or lease

Complaint: My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am a XXXX XXXX veteran. Wife and I applied through VA to buy a house close to family. Credit report showed judgement from a few years ago that I did not know about. I called collection company to settle the account so we could move on. Paid the the amount we agreed on to settle account. Was told it would take minimum of 30 days to get papers showing judgement satisfied. Tried to get some sort of date but was told to just check back. Paid on XXXX/XXXX/2015 but was told not sent to legal dept until XXXX/XXXX/2015. Court is in a small town so should not be a problem of the court being too busy. 30 days is here and only get run around when calling. First you get someone in a foreign country that you can not understand and it takes up to 30 minutes to get connected to the United States to talk to someone that you can understand. I have only been able to talk to XXXX department that will not give number to legal department or transfer me. They took my money very fast but now I do not seem to be a concern to them any more. Not a good way to treat people. This could cost me the house and my earnest money when it is an easy fix. Wife very upset as I have severe XXXX. When told them today that I was not happy with their service they said it might be 60 days. Not a good answer! 

So any help is appreciated!! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan has doubled and there are fees on it that were supposed to be waived. A forbearance was really easy did n't know about reduced income payments. When I found out called and demanded it. Then they acquired but took forever to process my paperwork racking up fees. My loan has doubled due to the years of forbearance. XXXX and now massive debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Payday loan) with Integrated Recovery Services (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Integrated Services XXXX at XXXX XXXX demanding payment through a debit card XXXX only. When I attempted to give them my XXXX XXXX Pre Pay Card the refused to take it, and then only gave me 24 hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in 24 hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Since XXXX 2014 Experian has ignored my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.

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 10-06-2017 about Debt collection (Other debt) with AllianceOne Recievables Management (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX my wife received a letter from XXXX XXXX XXXX XXXX XXXX, GIg Harbour, Washington XXXX. In that letter they listed debts solely owed by me and attempted to convince her she too was responsible. The debt involves unpaid parking tickets on a vehicle solely owned by me. The account # is XXXX. Not only did they share privileged financial information with a non party but they attempted to convince my wife she was responsible for the debt. XXXX XXXX also refused to provide the nys licensing information and indicated that she was not required to do so. XXXX also would not let me speak and indicated that my wife would be in trouble if she did not pay.

Company response to consumer: Closed with explanation