milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: MY NAME IS XXXX XXXX AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH XXXX XXXX IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH XXXX LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT XX/XX/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL XX/XX/2016. XXXX XXXX CLAIMED THE FIRST LETTER WAS RECEIVED XX/XX/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO XXXX XX/XX/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO XXXX XX/XX/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : Court XXXX XXXX CT CO XXXX - XXXX : Too old to have in file XXXX  Account # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file

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 04-07-2017 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: The amounts applied to principal and interest vary widely each month. 
For instance In XX/XX/XXXX - {$140.00} to Principal and {$91.00} to Interest In XX/XX/XXXX - {$23.00} to principal and {$210.00} to interest This has continued every month for years. And the lender customer service rep will not or can not explain why and refuse to help me understand or resolve. The loan has not been paid late is not in default. And has always been in good standing. Univ XXXX - XXXX program Stafford loans subsidized and unsubsidized

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identify theft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this mess. XXXX, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel, 3 separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my XXXX report. XXXX is being reported two times and with a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in full of XXXX remove from my credit as soon as possible

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: There is 2 Hard inquiries on my credit report that is not mine they are XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed

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 01/16/2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I had to file bankruptcy and applied for a loan modification with Fay Servicing. After countless paperwork, I received a letter granting it, but it just put my past due amount in the rear, kept my 6 % interest rate, increasing my mortgage amount, which I was having trouble paying to begin with. I struggled but paid them. 

Hurricane Irma hit us in Florida and I had to use funds to make emergency repairs to my house. Due to the fact that I am in bankruptcy, I did not qualify for any relief they offered other custiers, ( ie two months relief ). they told me that I need to apply for another modification, which I did. In the meantime, I receive my insurance proceeds from XXXX to start repairing my house. I signed and mailed the checks over to them on XX/XX/XXXX, totaling {$35000.00} ( check # XXXX for {$2900.00} and # XXXX for {$32000.00} ). Fay servcing has yet to release one dollar back to me for repairs. I have done their paperwork, provided estimates, liability insurance from the contractors, but every time I call them for an update, I am still missing documents. 
I decided then to act as my own contractor to bypass all of the paperwork they need and, per their policy, will provide them proof of all expenses. I am still waiting for a response to my letter sent to them stating such on XX/XX/XXXX. 
They are also keeping a settlement check that I received from a lawsuit that I settle with XXXX  XXXX when they denied my claim for water damages in XX/XX/XXXX ( which is why I had to file bankruptcy for, I paid all of the repairs out of pocket ) ; check # XXXX, {$11000.00}, made payable to myself and XXXX XXXX, XXXX ). I could use that money to get my loan up to date in full since it is my own. I have told them countless time this was my intention. Still, no answer. 
I was contacted by my account manager on XX/XX/XXXX to advised me the loan modification that I applied for was denied, due to the fact that " I have exceeded the amount of request '', which is 2. I only had 1 modification in XX/XX/XXXX. He told me to appeal when I get the paperwork. I asked him of the status of my lost drafts, " I do not know, I will look into it ''. I have now mold in my house, and it is becoming inhabitable, but I have nowhere to go. I am a single mother, sole breadwiner and have XXXX dependents, my motehr and my XXXX year old daughter. I did not qualify for FEMA, since my insurance carrier is covering my claim. I truly believe Fay servicing is doing everything they can for me to lose my house. I can not get any answers from any account managers, can not communicate directly to their lost drafts department, nor speak to a manager. What Fay Servicing is doing is illegal and immoral. I have kept a line of communication with them throughout my entire ordeal, provided all information they have asked of me. I am please asking for help in trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting an incorrect account on my credit report, and it putting an halt on me obtaining certain employment. The alleged debt does n't belong to me, and since Transunion is reporting it, it continues to make my life difficult.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I tried to put my loans into the income driven repayment plan before my payment XX/XX/XXXX. They never got back to me about approving it or me not getting approved for it. Instead they totally and completely ignored my request and kept billing me. I 'm up to about {$600.00} now for 2months payments and they keep harassing me through my email. I have n't heard anything from anyone except Your loans are past due and your account requires action. I 'm fed up with these people! It 's going to make me go into default and then be in bigger trouble or force me to go into forbearance which I do n't want to do!

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Selene Finance LP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I would like some intervention because XXXX is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : Selene Finance XXXX XXXX is reporting this account as paid. 
XXXX is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we took out a reverse mortgage with Financial Freedom, everything went well until my husband was diagnosed with XXXX XXXX XX/XX/XXXX. He was in XXXX from that time until XX/XX/XXXX when he passed away. I had trouble trying to adjust from XXXX incomes to XXXX. About 6 weeks later I had found a job, but on XX/XX/XXXX. I was walking near my home when a car came speeding around the corner and hit me as I was crossing the street. XXXX and I had to have XXXX plus other complications. During that time my home insurance was canceled because because our hot water heater went out flooding the garage. The insurance company decided that the law of probablities stated that we could have another incident after 7 years and they cancelled the house insurance. I immediately contacted another company and put the same insurance back on my home. I set up the payments to come out of my checking account. In 20 minutes there was new insurance on my house, What I did n't know was that Financial Freedom had turned down the new insurance that was just like the original insurance and they had chosen to replace it with their own coverage which was twice the amount I was paying. I was unable to see what was happening and after several months there was a huge bill building up. So I tried again with a XXXX XXXX and the same thing happened. I am back on my feet and paying. I went to pay the taxes and they had already paid them! They never contacted me. Now I have an outrageous bill. XXXX. They are foreclosing by XXXX. ; For that amount of money I loose my home which I planned on living in til I die! I want an opportunity to pay them back and they have declined unless it is for the whole amount. Also the insurance payments should be charged at a normal rate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: About 13 months ago I filed a complaint with your organization related to Ditech Mortgage ( XXXX ). They promised to pay the homeowner association dues, it is on recorded messages, and they refused to turn over the takes. I was surprised that CFPD did not force them to turn over the takes because they lied. Because they did not pay the association dues I received a noticed from the sheriff office to leave the property ... forced to leave the property. I have repeatedly requested the recording to show that I was promised on several occasions by Ditech associate not to worry and they would take care of it. Today I am receiving letters from Ditech stating that the mortgage has not been paid in 18 months. I communicated to Ditech that the owner association has leased out the property, and they are not paying the mortgage. At this time Ditech has not resolved this issue, and the homeowner association is collecting money and not paying the mortgage. At this time I can not purchase a home because Ditech refuses to foreclose on the property and force the homeowner association to pay the back payments totaling approximately {$34000.00}. I believed that your organization was here to protect people like myself who does not have the resources to fight a big company like Ditech. Please help us now with this issue. Otherwise, Ditech will continue with this practice thus allowing the homeowner association to collect rent and not paying the mortgage. Please HELP! 
Regards 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 10/23/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. 

The information show collections in XX/XX/XXXX is wrong

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I opened a dispute with Experian regarding a collection with XX/XX/XXXX. I received an updated credit report on XX/XX/XXXX and the collection account has been deleted. XX/XX/XXXX I received another updated report and the collection account was back on my report. I contacted them stating that 5day FCRA notification law states I have to be contacted prior to account being added back to my report. Several reps I spoke with and one in the fraud department stated they could not remove the account without disputing the information. I dont agree with this and I want this fraudulent account removed.

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 05-04-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have just received updated copies of my credit reports from all  XXXX  credit bureaus and discovered that there was a account and company listed on my credit report that I have never been notified about in regards to a debt which is violation of FDCPA  15 USC 1692.   This company is also in violation o of HIPPA Privacy rule and Breach of Confidentially.   This company has reported unverified false information and has stolen my identity to gain profit. I never contracted with this  Company Commonwealth Finance  nor did I give consent to use or have my personal information. Further more, this company did not provide me a  HIPPA release  that I gave consent to have my personal information or any information in regards to the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on 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 explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease

Complaint: I paid off my Ford Credit loan early around XX/XX/2017. about a week or so later i got a letter with a check for {$8.00} saying I overpaid my paid in full contract. 
I got a couple of emails asking to take a survey and then a couple of emails asking for a call but not any reason to call. I assumed it was for feedback or to offer another loan. I did n't follow up as I am not interested. 
However, it appears that I put my account number in incorrectly and the payment did n't go thru. Unfortunately, I was never told this. The emails said nothing of this. 
They took the car yesterday and when I explained that i was n't aware it was not paid in full I was basically told that it was n't their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Unique Management Services, Inc (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation