milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ceannate (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a XXXX college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a XXXX XXXX XXXX nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: In XXXX 2015 Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them ), inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items.

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 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have not received my disputed results from Transunion since XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX - says I owe {$1700.00} for a XXXX XXXX bill. I previously disputed this and it was removed from my credit. It was reinserted with a new date of XX/XX/2017 versus the previous date which was years ago. This is not my debt, and I have received XXXX information ( written or otherwise ) about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Private student loan) with SLM CORPORATION (AK).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I talked to a representative over the phone from Sallie Mae. I mentioned that I was unable to pay the current amount per month that was being asked of me. My payments do not start until XXXX of XXXX. The amount per month that Sallie Mae was requesting was close to {$1300.00} a month. When asked about a lower payment option as I am unable to afford that loan payment, I was told that there were no lower options. I could do for 3 months a repayment plan where 2 out of my 4 loans are interest-only payments, but that would still total more than {$1000.00} a month in payments. I was advised to make the payments or deal with the consequences of not paying and talking to a loan officer. When I asked to clarify they advised me that they did not have any other repayment loan options such as a salary based repayment, or repayment for those who are unable to make the current monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries :   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  and this violates my rights as a consumer.

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 11-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Privacy

Complaint: Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... .. 

Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015. 

Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile. 

If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 

If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX. 

-end message. 

Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NJ).
Issue: APR or interest rate

Complaint: I took an offer for a balance transfer promotion from First National Bank of Omaha ( First Bankcard ) in or around XXXX XXXX. The promotion was for a lifetime 5.99 % APR. Then in XXXX of XXXX, I made a purchase for {$3100.00}. Since then my minimum payment every month has gone to reducing the balance of the lower APR promotion while the bank has continued to charge my the higher 15.25 % on the purchase from this year. I was under the impression from the XXXX Act that my payment would go to the higher interest charge and would allow me to continue to take advantage of the promotional rate on the balance transfer. Upon calling I was informed this was incorrect. That they can apply the payment as they see fit, first to interest and fees, then to the lower APR. If this is true, it certainly is not in the spirit of the XXXX Act and was not disclosed to me at anytime. I would not have used this card again until I had taken full advantage of the lower APR promotion. Now in effect I am not getting that promotion because my payments are being applied to the lower APR balance first. I take the bank at their word that this is legal, but it is definitely not consumer friendly. This was not disclosed in any way, in effect voids the offer that I accepted from the bank on that balance transfer, and actually increases my interest payment each month. As the lower APR balance is paid first, the remaining balance accrues interest at the much higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: Hi, I 've been trying for years to have the PMI remove from my mortgage loan, and I keep getting the runaround from Nationstar ( Mr. Cooper ). 
They change the name because of their toxic company. 

A couple of times in the past before Nationstar got my mortgage XXXX XXXX XXXX had me complete 2 appraisals and even had me mail a payment of {$25000.00}, because they claimed I did n't have enough equity. 

Now with Nationstar I 've tried several times to get the PMI removed but it still the same issue just keep getting the runaround. 

Can the CFPB please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My current lender, SLS, took over my mortgage. They now claim that my townhouse is in a flood zone, even though the other XXXX units do not have flood coverage either. A neighbor recently refinanced, and also did not need flood insurance. Out of curiosity, I did contact a few insurance agents for flood insurance quotes, and these agents questioned why I would need flood insurance, and they should be wanting to sell me business! 

I then obtained documentation from FEMA saying that our structures were not in the flood zone, the parking lot is actually adjacent to the flood zone. I provided this documentation to SLS, and they said they were still going to go forward and purchase flood insurance on my behalf, and of course charge me. This is outrageous, as I mentioned, as my FEMA documentation ( pulled XXXX/XXXX/15 ) clearly indicates that none of our complex 's units are actually in a flood zone. They also indicated that I would have to contact FEMA to dispute this- but FEMA already indicated that our units were not in the flood zone. 

Each time I call SLS to talk about this situation, I get a different story from different representatives. They are not receptive at all, and actually make the customer feel inferior.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 I requested Business & Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company response to consumer: Closed
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: MY BOA MORTGAGE IN XXXX XXXX WAS {$790.00}. BOA THEN INCREASED IT TO {$1100.00} BEGINNING XXXX XXXX. IT WAS AN INCREASE OF {$340.00} DUE TO AN ESCROW SHORTAGE POSSIBLY. SO I PAID {$4500.00} FOR XXXX, XXXX, XXXX, & XXXX XXXX. 
ON MY STATEMENT I SEE THAT THEY PAID {$710.00} FOR COUNTY TAXES. 
I FILED A PREVIOUS CFPB COMPLAINT DUE TO THE {$340.00} INCREASE ISSUE. XXXX XXXX BOA INFORMS ME THAT MY MORTGAGE IS GOING TO BE {$890.00} BEGINNING XXXX XXXX. 
HERE 'S MY QUESTION ... .WHERE DID MY {$4500.00} GO? BOA PAID A CO TAX BILL OF {$710.00} AND TOOK CARE SUPPOSEDLY OF AN ESCROW SHORTAGE ... UNKNOWN AMOUNT ...??

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 06-02-2015 about Debt collection (I do not know) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a credit alert that a company called Stellar XXXX had place a Collection on my credit report. When I called they said it is from an account in MD from XXXX. We live in southern IL where XXXX is not even available and have never had an account with them or any contact with them in anyway. We spent 7 hours being transferred from XXXX department to another and no one will help resolve this. It should be against the law to do damage my credit when I positively know there is no possible way this debt is mine,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: I received an email from our current mortgage provider on XX/XX/XXXX with some small detail of what savings I could obtain with a possible refinance. I asked questions via email and asked to see an application for more detail on how the process works. I viewed an electronic application with only my husband 's name XXXX on it and I did not like the information so I rejected the application. I was asked to reconsider and have my husband call the finance company. I did not respond. On XX/XX/XXXX we received a letter from the mortgage company dated XXXX XXXX XXXX stating an application was submitted and denied. The letter has my husbands credit score from all three credit bureas dated XX/XX/XXXX. I called the mortgage company to speak with XXXX the name on the notice. He is telling me that we submitted an application or inquiry and that the letter is simply an update to how it concluded. I asked why we were getting this now, and he said we get it 90 days after the inquiry. This letter is dated nearly 10 months later. I believe XXXX has and still is submitting credit inquiries on my husbands behalf without his permission and then sending information to us in hopes that we refinance are mortgage with them,

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been a customer with SteinMart for several years. Recently, they issued a new " card '' which I did not realize had a different account number that my old account. I have financial software that I use to pay bills through my bank. When receiving bills in the mail, I have dutifully sent payment in full for each statement - unfortunately, to the old account number. The account is managed by XXXX XXXX in Georgia. When I began receiving threatening phone calls from people said to represent XXXX XXXX, I began to look into the problem and realized that the payments I had been making were not to the account number on the card. I provided documentation to XXXX XXXX that the debt was, in fact, paid. Just this week I received a check in the mail for over {$970.00} from them and a statement saying that there was a XXXX balance on the account. Nonetheless, the phone calls keep coming and today, I was threatened with being reported unless I provided {$25.00} by XX/XX/XXXX. I explained the above to the person on the phone ( receiving a check - which I have not yet cashed - and a statement showing XXXX balance ) but was told that did n't matter. I needed to come up with {$25.00} or else. I can easily afford to send them {$25.00}, but I feel like there is no coordination between the " debt collectors '' and others at XXXX XXXX who agree with me that I have paid my 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 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received the copy of credit report which has a lot of mistakes on it and some of the things you allow me to click on and dispute but then when you go to finalize the dispute it tells me you ca n't process it I do n't know what the point of even offering it if you ca n't process those particular things online so that 's why I 'm contacting you on here. 

I have never been known by XXXX XXXX XXXX trying to dispute it but it will not let me. 

I have never lived at XXXX XXXX XXXX XXXX Michigan I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas There are multiple accounts that are showing up on my credit report you are the only one still reporting these I do n't understand XXXX and XXXX have all removed the fraudulent accounts what information is it tthat you need to get these accounts remove? 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (WV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Will not disclose information needed to settle medical bill. 

I have been contacted by RMCB regarding services rendered at XXXX. 
I have requested information regarding this claim to no avail. 
We have medical insurance that will cover this. 
If they are not able to submit the claim, they will need to provide me with all the information needed to do so. 

Thanks and XXXX Bless You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Other debt) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Try to contact customer customer service would n't help at all to removing item or help better way to solve problems over charging amount

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Already filed a complaint against the company and the agreed to cease and desist, file # XXXX with the cfpb. They are now using another family memeber s name to try to collect the same fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 times ) The phone number is XXXX and XXXX The company is identified as Diversified Consultants Incorporated. They are claiming to have an outstanding XXXX bill for me and is requesting that I give them the last four digits of my social security number and my current address in order to receive any of the actual details regarding the past due bill. I have told them over and over again I have a current bill with XXXX and do not have a bill in collections and if I do to please send all the information in writing. They are refusing unless I provide them with personally identifiable information. I called XXXX to clear the matter and they assured me I do not owe the bill. I called back to the collection agency to try to clear the matter and the person answering the phone refused to acknowledge that any one had called me from the company. I told her this was the number showing on caller ID. I told her I has spoken to a young man who identified himself as XXXX XXXX. She would not say whether anyone by that name worked at the place of business.

Company response to consumer: Closed with non-monetary relief