milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 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 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals,  provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my transunion as follows National credit systems- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I disputed with credit bureaus 3 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date. No contract

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They asking to collect {$560.00} on my credit car XXXX XXXX XXXX I had in 2012. I had never spent that amount I tried to resolve it with XXXX XXXX and told them they need to show evidence where and when I charged that about in my card, they did n't show any. 
Now I 'm asking the debt collection company through XXXX  dispute to show me the evidence where and when I charged that amount it was not me I never spent that much do n't know where they get that from and put into my credit report for almost 6 years now. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest you didn't expect

Complaint: BigPictureLoans set me up with a loan for {$200.00} starting on  XX/XX/XXXX . This loan should have been paid off in a few months but instead it has accrued from  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX , payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to to  XX/XX/XXXX  payment of {$170.00}. This shows that I have already overpaid them an amount of {$800.00} with a balance of {$300.00} to pay this loan off. This will put me at at least {$1100.00} if I pay the full {$300.00} that they show me still owing. I absolutely know that I should not have to pay anywhere near {$1100.00} for a loan of {$200.00}. This is  Extortion, Gouging o r just a plain old Scam. I definitely need help with this scam/matter to get the extra money back that they have overcharged me if I can be helped in this manner. Please give me a call if you would care to do so at  XXXX  /home-line  or  XXXX  /cell-phone..  You can also contact me by e-mail at  XXXX    XXXX   XXXX   XXXX   My name is  XXXX   XXXX   XXXX . my address is  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  Ohio,  XXXX . The original name of this company  is Redrock Tribal Lending, LL C d/b/a CastlePayday.com but changed to BigPictureLoans I will send copies of my online checking accout statements from   XXXX . to  the present time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE ON MY 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 11-02-2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this was recently submitted to you through this cfpb complaint system and your previous notes were that you were going to remove the account XXXX from cfpb case number XXXX you stated that you would remove the item from the credit bureaus but it is still reporting on my equifax this needs to be removed asap as this is a fraudulent acount

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I The consumer selected a vehicle on line offered for XXXXThe dealer increased the price to XXXX Unaware that the total loan of 72mo =XXXX. As of XXXX2017 the pay is XXXX. Paying XXXX/no. ,

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history (XX/XX/XXXX ) for all XXXX of my federal student loans to the credit reporting agencies ; XXXX and Experian ( XXXX  has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which Experian has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a XXXX XXXX XXXX  rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time onXX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that Experian and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient does n't reply to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX. I noticed an unknown collection from Midwest recovery on my credit report. I contacted Midwest recovery to get more information. They stated I need to pay the {$700.00} from an account from XX/XX/XXXX. I informed that I was not aware of any account and to send verification authorizing to collect. I have yet to receive this from each call for over month now. I also informed them that this account is over the 4 year Texas statute of limitations for them to collect from anyone being that they said the account was from XX/XX/XXXX. 7 years later. Please have them remove this from my credit report expeditiously as this unknown account is over the 4 year texas limitations and 7 years to post to credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Making/receiving payments, sending money

Complaint: spoke to CSR name XXXX XXXX XXXX AT Navy Federal Credit union, representative told me as he was talking over me, I owe {$340.00} from over 17 years ago, I said to my knowledge I can not remember what that charge was for may I know what it was for? he stated he can not find that info but to be pat of navy fed you must pay this balance. I advised him I would nor would anyone pay a bill for a reason they can not recall making. I would gladly pay for it if I knew the charge. he continued to interrupt me with more questions as I was trying to gain information such as, why did you wait until now to pay? um maybe cause I did n't have the money ... any way, I asked to speak to a manager ( XXXX XXXX which I 'm sure he was more then happy to transfer me to. Supervisor XXXX was delightful and very pleseant to speak to awesome awesome customer service and very knowledgeable. XXXX complete disappointment to myself in my opinion to navy fed and to himself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank Account Name- XXXX Account Number- XXXX Account Name XXXX XXXX Account Number- XXXX Account Name- XXXX Account Number- 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 explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Hello, I was impacted by the Equifax hack, and was told I was eligible for identity theft protection through them. I registered with TrustedID as requested, and received an email saying I should set up my account. 

When I tried to set up my account, I was told either my birthday, or social security number was incorrect. Obviously, I know these things pretty well, and called the company. 

AFter 3 called to TrustedID no one is able to help me. I 've repeatedly sent " verification documents '' to them including a photo of my driver 's licence, XXXX bill, and utility bill, attempting to figure out where the data mismatch is. 

No one ever calls me back, the person on the end of the phone pretends they do n't know what a case number is, and I 'm unable to talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I enrolled both of my XXXX XXXX accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XXXX XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XXXX, XXXX and XXXX ( proof attached ). The amount paid to XXXX did not cover the full XXXX XXXX payment, and this resulted in a late status being posted to my credit reports for XXXX, XXXX and XXXX. I was informed by XXXX XXXX and by XXXX that the accounts would " re-age '' in XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XXXX, XXXX and XXXX for both accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I made XXXX payments of {$190.00} for a Cash Store debt settlement from XXXX/XXXX/15 - XXXX/XXXX/15 and I received a call yesterday from another collection agency that this debt was not paid

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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to TransUnion 's updated credit file on XX/XX/2017 ( # XXXX ), XXXX # XXXX ... .. should be removed XX/XX/2017. As of XX/XX/2017, this item remains.

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I started disputing information on my credit reports with the Equifax, XXXX and XXXX XX/XX/2016 for myself and my husband. I specifically sent certified letters disputing specific inaccurate information and asking them to validate the debt. At the time they were reporting ( see below ) the listed XXXX accounts that were on both of our reports through Equifax, XXXX and XXXX which list the accounts as Joint liability. 
XXXX - Account # XXXX ( charge-off ) XXXX - Account # XXXX ( foreclosure ) XXXX XXXX XXXX XXXX - Account # XXXX ( leased equipment ) After several rounds of certified letters to them, they REMOVED all XXXX accounts from my husband 's report XX/XX/2016 but claimed to have VERIFIED and will not delete from my file. I find this impossible and clearly they could n't have verified and removed from my husband 's credit report but verified and kept mine. Same debt, joint liability. I have tried talking with them to no avail. They also failed to mark the dispute comments on my file within the 30 day period. This is clearly a violation of FCRA. About 2 weeks ago XXXX and XXXX followed suit and removed the charge off account from his account but not mine. ( XXXX XXXX was only listed with Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have case number with CFPB already ( XXXX ) and I still waiting for a resolution. My complaint is with Nationstar Mortgage in XXXX, Tx. They are now giving me less than 30 days to pay a payment of {$770.00}, which is for the remaining escrow payment they never informed me about until they sent me certified letters threatening foreclosure on my home back in XXXX 2015. I paid back half of what I owed from that time which was {$1100.00} but they refuse to work with me and continue to tell me wrong information. Such as. I setup a repayment plan in XXXX to pay back money they did not disclose to me. In XXXX. I asked for a month extension only to be told I was never approved to do a repayment plan. I am a senior citizen and have lived in this home for 39 years. I am on a fixed budget and can not come up with fund at a drop of a hat. Nationstar continues to take no ownership in this problem. I assume that if I do not pay the {$770.00} by XXXX XXXX they will again start foreclosure on my home. I need help to save my home. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX trying to stay in my home. I am in active foreclosure and filed for bankruptcy. I am waiting a reply for results of a RFI my attorney sent to Wells Fargo for the foreclosure which asks for an explanation as to why Wells Fargo can not provide an account for the history of my mortgage during XX/XX/XXXX-XX/XX/XXXX. I have sent QWR 's 2 years ago, in an attempt to get an explanation for servicing issues discovered in my mortgage and the loan balance was due to pay down in 18 - 24 years as stated to us during the mortgage application process with the bank process XX/XX/XXXX. As of XX/XX/XXXX foreclosure process the mortgage balance was not on course for this to happen. A recent reply from Wells Fargo to my attorney 's RFI, during our now pending bankruptcy process, states that mortgage information for the time frame XX/XX/XXXX-XX/XX/XXXX was not obtainable. I need Wells Fargo to provide me with an amortization schedule from the beginning my loan XX/XX/XXXX to present in order for the amount owed to be verified. I paid many years of double payments. Wells Fargo replied ; they lost 4 years of history but they claim the amount owed can be verified. During the foreclosure process they perjured themselves when they claimed the mortgage amount owed had been verified and have sworn to this fact. They told the courts they have all my records. How can they have verified this amount due as true if a 4 year history is not present to do so. Also during the course of this time frame many extra principle payments were made in order to pay down the mortgage sooner which need to verified as well. See attached QWR replied from Wells Fargo and recent RFI reply as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This complaint is concerning missing information on my Equifax credit report. I have called numerous times to let Equifax know that they had removed XXXX of my positive credit card accounts. XXXX XXXX, XXXX, XXXX XXXX Bank and my XXXX XXXX Bank Account. My score has plummetted because of this. I have attached a previous credit report from Equifax that shows the accounts were previously on the credit report

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 CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX County also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation