milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Credit reporting () with Alliance Collection Agencies, Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account with the credit bureaus on several occasions as well as disputed with Alliance. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.

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 08-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The loan servicer, NelNet, continues to make changes to the amount I am supposed to pay, in spite of a letter from them dated XXXX/XXXX/16 acknowledging that I have been approved for the income-driven repayment plan and that my payment will be {$130.00}. First, they deducted several XXXX dollars from my checking account with no notice, this deduction was not authorized and it was unwarranted and incorrect. Now they have for some unexplained reason put my loans into some sort of forbearance with no notice to me or explanation that this is happening. 

I work in a non-profit and all I want to do is make XXXX on time payments so that I can apply for PSLF. 

I think this company is shady and purposely is trying to extend the life of the loans and the capital balance so that they can charge the Dept of Education as much as possible and increase their profits. Some investigative journalist ought to take a look at it. I 'm sure plenty of loan holders and plenty of front line customer service employees will have lots to say.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: CapitalOne charged me a fee for a secured card when I opened my account in XXXX. I paid the fees with funds from my XXXX checking account. CapitalOne informed me a few weeks ago my status was changed from secure to unsecured as a credit card holder with CapitalOne Bank. However, CapitalOne did not refund the fees charged to my checking account and instead, placed the fee on the CapitalOne credit card. And CapitalOne has not refunded me the XXXX interest on the fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 and Transunuion have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove 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 explanation
Consumer complaint received 04-01-2016 about Debt collection (I do not know) with Rosen Management Services Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt through XXXX is paid and has never been sold.The payments were not going to that company. The XXXX payment went to Rosen Management and the second payment went XXXX XXXX which cell phone accessories. They continue to call and harass me for more money. I have disputes in about the XXXX payments with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my report their is a collection on my reports which is incorrect I already paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately! ( See case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full with different address than XX/XX/XXXX XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full Never have received any validation of the debt or any signed contracts from myself and the collection agency, or from the original creditor, 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I filled a complaint earlier. Complaint number XXXX against XXXX. The company will not freeze access to my data without my enrolling in their credit monitoring program at {$120.00} a year.

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 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I want it to be noted that I dispute any responsibility for this debt, and I do not owe this. The fluctuating statements, as well verification that does not match up with amount owed show the inconsistencies associated with this account. 

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I dispute this debt, as I have with previous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have written a letter to Experian dated XX/XX/XXXX. A signed certified return receipt for this letter ( document provided ) was on XX/XX/XXXX, requesting that XXXX XXXX along with several other creditors be removed from my credit profile because it violated the 5 day reinsertion rule.
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Experian has made the changes to all other creditors to date except XXXX XXXX. On XX/XX/XXXX, I received a letter stating that the investigation will be complete on XX/XX/XXXX. This is beyond the 30 day period for reinvestigation. Today XX/XX/XXXX is the 45th day. This creditor was already disputed and previously removed in XX/XX/XXXX, the CRA has had ample enough time to complete this investigation and is now in violation. XXXX XXXX should be deleted just as the other creditors due to the 5 day reinsertion rule.
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Attached are the documents supporting that the creditor XXXX XXXX was on my profile dated XX/XX/XXXX. Two weeks later XX/XX/XXXX, I received an updated report with XXXX XXXX removed. Thirty three days later on XX/XX/XXXX, I received a report in which the creditor still remains deleted. Currently the creditor has been reinserted in my credit profile. Which is illegal without the debtor be made aware of reason of being inserted.
<P/>
The CRA has not given any letter or has forwarded any validation of this debt however is now informing me in the latest credit report ( see attached ) that even more time is needed to continue to investigate. This is an act of non-compliance of several crediting report laws and statutes.
<P/>
I have provided such evidence that my consumer credit profile is not being reported accurately and fairly by the CRA. This creditor XXXX XXXX must delete this from my credit profile or a civil action claim will be sought out as the next communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: 1. I made additional payments above my scheduled payment and the bank applied all of these additional funds to interest without telling me. When I requested an amortization schedule, the bank employee refused. 
2. In XXXX 2016, this Santander Bank NA imposed a forced flood policy on my property for % XXXX. I have a policy on my property and I refused to pay. I faxed this information to the bank multiple times ( 40 times first time, 20 times, the next ) but the information mysteriously disappeared and even though I made my scheduled payments, the bank stated that I was not making my payments because I did not pay this {$5000.00} fee. 
3. In XXXX 2016, I made an additional payment of XXXX the Bank imposed a property search fee on my property, charged me {$85.00}. for this and took the entire additional payment of XXXX instead of applying it to the payment, thus I am late again. 
4. On XXXX XXXX, I attempted to make a payment for {$800.00} ( regular payment of {$16.00} cents and the rest as principal ) the bank refused the additional principal payment. this is the usual occurrence. This bank always thwarts attempts to pay down the principal. 

Because of all of this, my credit rating has dropped XXXX points because it appeared that I did not make payments for 3 months.

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 03/27/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Citibank is reporting a negative foreclosure and balance every single month. This is erroneous and they are affecting my credit & financing.

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 12/19/2016 about Debt collection (Payday loan) with MFP, inc. (ME).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On the morning of XX/XX/2016, starting at XXXX, The 'company ' alleges that they have been referred my account for collections for some payday type loan. They asked me to confirm my name, address, and the last 4 of my social. Funnily enough, they did n't have my email address. They stated that if I did not make arrangements with them to pay the alleged debt that they would seek legal action, have me arrested, repossess my vehicle, file a suit against me -- but it could all be avoided if I agreed send payment to them right then and there. When I asked for proof of such claims ( to mail me any and all documentation ) they refused saying that if I did n't pay " I 'd be in big trouble '' I again demanded proof of such claims the caller began to become belligerent. I hung up. They called again. I stated that they were nothing but a scam and that if they had any such 'case ' that they would have proof and they would forward said proof to me. They said that they did n't have to prove anything to me. ( I did manage to get the caller to say what their company name was, " Financial Credit Solutions '' ) Several more calls were made to me and the caller became increasingly belligerent and stated that he hoped that I had all of my XXXX shopping done because " he was going to come after me for everything I had ''. At this point, I had had my fill and words were exchanged. 

Later that day, I found out that these people had made several phone calls to two relatives of mine and leaving the same type of threatening voicemail messages " That I had an important legal matter to tend to and that if it was not addressed then I would be sent to jail. '' Today, XX/XX/2016, I was informed by one of the same relatives that they had been called yet again today by these people.

Company response to consumer: Untimely response
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: This is another complaint concerning Freedom Mortgage Co. XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX. The Customer Service representative I called today, XXXX Employee # XXXX, told me he could not provide me with anyone with authority such as a supervisor so that I may seek assistance from regarding the discrepancy in my Mortgage Statements for the monthXX/XX/XXXX- XX/XX/XXXX If a customer can not get assistance from a mortgage servicing company, or obtain the full name and contact # for someone in a position of authority to answer questions relating to her mortgage loan, how can this be legal? Can a private mortgage company deny its customers of the name of employees, supervisors, higher-ups who will be able to answer questions and be accountable for the mortgage accounts of their customers. Despite numerous requests to speak to and obtain the name and employee ID of any supervisor, XXXX Employee ID XXXX, said he is not allowed to disclose that information. 

I have a 30 yr fixed rate mortgage in which I pay {$1400.00} a month to Freedom Mortgage. My loan number ends in XXXX. I am not in default, have not been late on a single payment. 

On XX/XX/XXXX, I mailed, with a letter of instruction, a {$1000.00} extra payment to curtail my principal. Freedom Mortgage, on its own, set this money aside in an Unapplied Funds account for 2 weeks. I called on XX/XX/XXXX and spoke to a " XXXX '' concerning this extra mortgage curtail funds but did not get a satisfactory response. On XX/XX/XXXX, I called again and spoke with " XXXX '' who told me that my funds will post the correct account on XX/XX/XXXX. This has been an ongoing problem with Freedom Mortgage. 

Today, XX/XX/XXXX I called to request a free-of-charge Mortgage payment history from Freedom. I am told by XXXX that there is a discrepancy in the balance after my {$1000.00} curtailment. This has been an ongoing issue with Freedom not being very transparent about its employees and who is in charge and accountable for their clients. 

I would like to get intervention from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In late XXXX we signed up for XXXX auto pay program. We checked the website and it stated account was indeed on auto pay. We later learned we were not on auto pay, they failed to process our request. The representative I spoke to said she saw our request ; " it just didnt process ''. She instructed us to make a payment ASAP, which we did ( we later learned we should have paid XXXX payments ). This error caused XXXX late payments, the XXXX and XXXX due to their telling us to pay only XXXX payment. XXXX reported negative info to the credit bureaus. 
In XXXX of XXXX we checked our credit report and noticed they negative reporting. We wrote a letter to XXXX asking for the negative information to be removed. To support this we added auto pay again, to assure timely payments. The auto pay program was confirmed. However, based on the past, we watched our account for the deduction. When the payment was not pulled, we made an online payment. Later, they finally got around to taking the payment. XXXX XXXX received our letter asking for the information to be removed and they refused. I appealed that decision, they declined again. I called the executive offices of XXXX XXXX and they refused as well after reviewing the file. XXXX XXXX claims that any change of credit reporting is subject to rules set by their portfolio manager XXXX XXXX. Their decision was based on not having enough web footprints proving my story. They found some activity confirming me story, but, not enough. They made XXXX mistakes causing this problem. I have to pay late charges and fees. On top of it all, they ruin my credit report on a {$200.00} balance. My new mortgage is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Installment loan) with First National Collection Bureau, Inc. (AL).
Issue: Managing the loan or lease

Complaint: This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Customer service / Customer relations

Complaint: XXXX is currently reporting chargeoffs accounts to the credit bureau ending in XXXX with balance {$1900.00} and account ending in XXXX with balance of {$3900.00} and account ending in XXXX with balance of {$850.00}. These accounts should be reported to the CRA with {$0.00} balance. XXXX are in violation of the FCRA. I had file complaint previously with case XXXX, XXXX and XXXX. XXXX of the accounts are being handled by XXXX XXXX collection agency and the other by XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with FirstKey Holdings, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my mortgage with First Key for several years. Last year, I received a letter stating there was a shortage in my escrow account, so my payment went up. Had to pay it. Received another letter this year stating the same thing. Became suspicious. Contacted them, and they told me my home insurance and property taxes went down. They said on the phone " This cant be right '' Asked for a supervisor or someone from their escrow department to contact me. I have spoken to XXXX of their customer service reps, and still have not heard a word. Feel as though I am being ripped off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX, 2015, I filed a dispute with Experian credit reporting agency by U.S mail. It 's been sixteen days and I have not gotten any notice from them that they have open an investigation on the dispute items on my credit report. When I tried to file a dispute, from their web site I get a message you are block from getting a copy of your report and not allowed to file a dispute from our web site. This has been a continue problem when I try to get my credit report for over a year. I would greatly appreciate it very much if someone from your agency open an investigation into the conduct of this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: since XX/XX/XXXX I have been paying XXXX precent intrest on a loan where the property is not worth half of what the value of the loan since XX/XX/XXXX everybody has gotten a intrest break but I have tried but no luck

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