milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account XXXX, XXXX credit card account ending XXXX, XXXX account ending XXXX and XXXX credit card ending XXXX all paid on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. They have not reported these 3 month when they have been paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original debt from XXXX XXXX Bank went into collection due to financial hardships. I then had a case/judgement filed against me on XXXX/XXXX/2008 by XXXX XXXX XXXX Attorney at Law in the state of Oregon. A garnishment was granted and payments for this debt were taken directly from my wages. I have the court paperwork and case numbers. The debt was paid in full through this garnishment. Several years later, this law firm was shut down by the Oregon Department of Justice XXXX and the attorney barred. In the past year, this original debt to XXXX XXXX has resurfaced and is being pursued by Portfolio Recovery Associates LLC. I have written them, corresponding to both addresses in the collection notice, explaining that this debt is not valid, yet they continue to pursue the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hillcrest Davidson & Associates contacted my mother ( XXXX Party ) about a frivolous claim that I formally disputed and have not been provided backup or documentaion on. 

1. Disclosed detailed information about disputed claim including slanderous allegations of fraud. 
2. Obtained the contact information illegally from an employer ' s emergency contact information. 
3. Continously harrasing XXXX party after being asked not to ( In writting ) on several occasions.

Company response to consumer: Closed
Consumer complaint received 05/25/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (HI).
Issue: Deposits and withdrawals

Complaint: I am the subject of a fraudulent marketing scam which charged my credit card, Capital One, for hundreds of dollars. I requested assistance from the credit card company who refused to assist me with the issue. I called the credit card company and they dropped my call. I then spoke with a supervisor at the credit card company who assured me that their specialists would call me the next day at a specified time which did not occur. The following day I spoke with a " specialist '' who, after reading the notes on my credit card account, started off with " unfortunately '', at which time I ended the call and cancelled the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LJ Ross Associates (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XXXX   XXXX  I was informed  that lj Ross and  associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: 15 years ago I was slow paying my XXXX XXXX bill and had to go on a payment plan with them. 
I try several times to get Equifax to remove this file of XXXX XXXX become the law states that they can only report it for 7 years or 10 years if it 's a court judgement. This XXXX XXXX file has been on my Equifax file for over 15 years since XX/XX/2000. XXXX and XXXX has removed upon my request with no problem. I also try several times with XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Higher Education Servicing Corporation, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My student loan creditor, Higher Education Servicing Corp. is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. ( 2 accounts ) : Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is refusing to remove or adaquatly investigate information that was previously deleted from credit report and that was agreed by collection agency to be removed. They are both XXXX XXXX XXXX. Both are satisfied and were removed from credit report and now are reappearing and should be removed. They are not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted experian in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for XXXX procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.

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 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was an authorized user on XXXX my father 's accounts but have not been for a while now. The credit card companies have removed me from these accounts yet they still continue to show on my credit report! How do I remove them from my credit reports? The accounts are XXXX XXXX and XXXX. Also my father 's name which is similar to mine shows on my credit report along with his home address. Why is this and can it be removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

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 07-06-2017 about Debt collection (Medical debt) with Action Collection Agencies, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Went to AAG for a reverse mortgage went through counseling {$150.00} and appraisal {$230.00} only to find out after that that I am in a flood zone less than 1 % and they do not lend on it I do not think I should have went that far and spent money I did not have only to find out it was for nothing XXXX XXXX was my contact

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Struggling to pay mortgage

Complaint: i phoned the lender and tried to get them to postpone the foreclosure sale since i have just received an offer on the property and the buyer is very serious about purchasing the property. I have fallen on hard times and i was unable to pay my mortgage and when i went to my lender to see if they could assist me with the other alternatives, they were not really invested in assisting me. I feel as if they have been unreasonable and unavailable while i am going through this tough time. I need help and i am hoping that you are available to assist me. the lender continues to ask me about a retention option.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: The bank was requesting a net value of XXXX we had an offer for XXXX ( eventually they went up to XXXX ) The bank did another appraisal and did a net of XXXX which would probably be a XXXX sales price to cover all expenses. They refused the XXXX but today the house went foreclosure and sold for XXXX which makes no sense. I had difficulty with this bank before and they do not work the client and I just want to make you aware of this. They also changed the locks on the property while my client was still there and did n't even advise him.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to inadequate security and monitoring measures, the company Equifax permitted my credit information and the credit information of my wife to fall in the hands of bad actors. This misuse of my credit information has caused worry, potential future fraud, and very likely identity theft by the bad actors.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I received phone call on XXXX/XXXX/15 to say my mortgage payment was late, when in fact it was not late.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX were billed to XXXX XXXX. XXXX XXXX denied payment as they required more information. XXXX XXXX XXXX has filed bankruptcy. Outstanding debts were sent to Remex Revenue Services for collection action. I provided all documentation to Remex and they refuse to provide me with written confirmation that my record is cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX Bank XXXX original creditor XXXX and XXXX XXXX balance has been paid in full and satisfied as of XXXX/XXXX/XXXX. This matter has been resolved out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with Critical Resolution Mediation LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A voice recorded message keeps calling my number stating that they have contacted me numerous times both verbally and written to tell me of a debt I owe. The woman who leaves her name calls herself XXXX XXXX. She threatens that if I do not call back then the company will be forced to take further measures to collect this debt. I do not know who this company is or why they are continuously calling my phone again and again and again at all hours of the day and night.

Company response to consumer: Closed
Consumer complaint received 04/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I finished school in XXXX. My first complaint is aes customer service reps do not help the borrowers find the best repayment plan and they withold information. They are typically not even knowledgeable about loans and accounts and repayment. I have often received a cut and paste answer that never answered my questions. I started making payments in XXXX and was about {$31000.00} in debt. I was never told about the income based repayment plan and for the first 4 years I paid large payments and for less than a year I was on unemployment deferment. Then a co-worker told me about income based plan. So I applied and it was a process and I paid so far ahead I was in paid ahead status so I had to write a letter saying to remove the status. First off they say your loans " may be forgiven '' after XXXX years. I am furious my first XXXX years do n't count towards the XXXX even though I paid so much. When I start paying in XXXX I paid down my interest. I recently found out my loans accrue {$110.00} of interest a month and my {$100.00} payment obviously does n't touch the principal. I was told the payment would be disbursed to interest then each loan even if just a few dollars. I find out that I have {$2000.00} in outstanding interest and I do n't understand how. Also when I reported my interest for taxes in XXXX I paid {$1100.00} and in XXXX I reported {$770.00} so my income and payment was very close but how the XXXX did I pay so much more interest in XXXX? I have been paying loans for almost 6 years and I am steady {$30000.00} in debt. I paid off XXXX XXXX and a XXXX loan so that was like $ XXXX XXXX and I paid at least {$7000.00} to aes yet my balance only dropped to slightly below {$30000.00}? This is insane. Clearly there is an issue with income to debt ratio and something is n't right. I feel I am being taken advantage of. I know I borrowed the money but I regret it big time. I wish I never went to school. All I am saying is I had to figure the loans out on my own since I was XXXX with no guidance. I am XXXX and would like a fair shot to pay these loans off without the interest jumping every time I turn around or not being properly warned that the income based plan is the worst plan for someone and not helpful as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.

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 10-07-2016 about Credit card () with Synovus Bank (NJ).
Issue: Other

Complaint: I have been trying to obtain a credit balance statement from First Progress Credit. I have asked nicely, put what I needed in writing and submitted it. I have also spoken with the credit dept, managers and customer service. all I been told is its not their policy. From what I understand and I may be reading the fair credit act wrong. Though the fair credit act states that at anytime a consumer can obtain a balance statement. I am trying to get a mortgage and the company wants something from First Progress directly. They have out and refused to give my information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: exact same story as another consumer so I will use his words with my specifics : I enrolled in an HSA account with B OF A with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee ( {$25.00} ) to do so and have slowly been bleeding the account dry by applying monthly service charges ( {$5.00} ) on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was charged a late fee for charges that I was not aware of on my card. I thought I had a {$0.00} balance because I had paid off all of my purchases but then a month went by thinking there was no balance and it turns out there was a balance so I was being hit with late fees for several months before I realized it. I was always on time with all of my payments and this is hurting my credit report. I closed the card because it appeared as though they were charging me a fee that I was never made aware of and since I didn't know there was a fee it made my payment late. The company is XXXX. And the late payments are showing in XX/XX/ 2017. 

I have gone through XXXX to try to resolve this and also talked directly to the company and they said that there is nothing they can do because I closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Mortgage debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone stole my identity and applied to serval apartments and now all these apartments I calling saying I owe fee for apartments searches that I never even applied for. The person who stole my identity started applying for apartments XX/XX/XXXX. I purchased a house in XX/XX/XXXX. I have no need for an apartment. So any apartments that say Ive applied for them are results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: We, my wife XXXX and I, entered into an agreement with XXXX ( XXXX ) for points on a timeshare in Tennessee on XX/XX/XXXX. As part of the agreement we made application for a loan through PayPal Credit ( PPC ) for approximately {$5000.00}. On XX/XX/XXXX We signed a form provided by XXXX that indicated we were approved ( attachment # XXXX ) After reviewing the documents at home we decided that we had been victimized by XXXX an pursued legal action to cancel the agreement ( attachment # XXXX Summary Statement ). On XX/XX/XXXX we received a letter from PPC dated XX/XX/XXXX informing us that our credit request had been denied due to their standards for approval ( attachment # XXXX ). We assumed the agreement with XXXX was nullified and we would be contacted by them to renegotiate or terminated the agreement. 

In XX/XX/XXXX we instead received a statement from PPC indicating we had an account and we were subject to pay the amount authorized ( attachment # XXXX PPC Statement ). 

We communicated with PPC to tell them we had initiated legal action to terminate the agreement with XXXX and felt the amount charged to us was therefore invalid. We asked them to investigate the process for the granting of credit attachment # XXXX request for review ). 

They denied our request and stated via mail that we were expected to honor our agreement with PPC ( attachment # XXXX PPC Response to request for review ). 

My contention, as it pertains to PPC, is that we were denied credit based on their established terms. Denial of the credit worked to our advantage because the terms established by XXXX were not consumer friendly ( please refer to attachment # XXXX Summary Statement ). However, PPC entered into a complicit agreement with XXXX to override their own standards and extended the credit after it was denied. I consider that and act of collusion. 

Furthermore, XXXX gave me the false impression that credit had been approved by PPC on XX/XX/XXXX when in fact it was denied on XX/XX/XXXX following the submission of the application to PPC by XXXX on our behalf. I consider that predatory loan practices. 

Following legal advise we will honor our signed commitment to PPC for the amount charged against our credit. However, we consider this debt to be the product of acts of collusion between XXXX and PPC and predatory loan practices by these same named merchants. 

At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit.

Company response to consumer: Closed with explanation