milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm making a complaint against Equifax for their negligence is not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records US DIST CT XXXX- I 'm proving the proof that you have a date that does NOT exist reporting on this bankruptcy! You have XXXX/XXXX/XXXX listed as the open date - I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA. In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Received a call from Synchrony Bank today that my credit card issued by them was used fraudulently ... this is the second time this month I have got a call from them that my credit card issued by them ( XXXX different cards - XXXX is my Walmart card and the other is my Toys r us card ) was used fraudulently. I had XXXX cards still in my possession and the charges that were made were far from my home. I am concerned at there is a data breach at this bank. I have not heard anything in the news about this bank and the customer service rep helping me did not give me any information but this seems more than coincidental to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Other type of mortgage) with MORGAN STANLEY & CO. LLC (TN).
Issue: Closing on a mortgage

Complaint: This is to report an apparent illegal foreclosure. The CFPB has received a number of complaints about mortgage servicing issues. I was unable to reply to the loan servicer 's evasive response because it asked for information related to charges on monthly statements the loan servicer refused to ever send through the entire term of the home equity line. How does someone reply to thin air? 

I have received word indirectly that the loan servicer only used that response to sneak through a foreclosure for which I again, was served no legal notice! I have repeatedly sought to resolve this through the loan servicers, always at the risk left hand not knowing what the right hand is doing. 

The people the loan servicers have made no one available to discuss the financing of the property, both the primary home and equity line made and owned by the same lender on the same date by Morgan Stanley. The loans servicer 's customer handlers at call centers have blocked every effort to reach anyone in authority as the servicing company or at Morgan Stanley who could discuss other options relating to a new income source that allows me pay down balances but not all at one time, attaching or factoring inherited assets pending two estate settlements, a possible sale by owner at the property 's fair market value nearing three times the debt on the property, and additional Social Security income I will likely choose to begin receiving in 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 01/17/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (OH).
Issue: Problems when you are unable to pay

Complaint: Car was repossessed and was sold at a much lower amount and I 'm asked to pay the balance which should be much lower. Credit Acceptance charged a high interest rate for an older model car which ballooned the price of car.

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 09/19/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/16 I submitted an offer to purchase a short sale property serviced by Select Portfolio Servicing. There seem to be numerous delays by the servicer in review of the short sale that I would like to have investigated. After my offer was submitted, a BPO was not ordered until XXXX/XXXX/16. Results of the BPO were not processed until XXXX/XXXX/16 at which time a counter offer was requested. An updated purchase contract/counter offer was given to the servicer immediately and it took until XXXX/XXXX/16 to get a final approval even though there was no other negotiating. I immediately completed an application with a lender, ordered and paid for an appraisal and inspection. A title search by my lender showed there was an outstanding XXXX lien on the property. Negotiations with the XXXX lien began on XXXX/XXXX/16 and ended on XXXX/XXXX/16 with them requesting a $ XXXX settlement. The selling agent immediately went back to Select Portfolio Servicing on XXXX/XXXX/16 to get an updated approval including the $ XXXX settlement to the XXXX lien and it took SPS until XXXX/XXXX/16 to order the BPO again as the first XXXX had expired. I understand BPOs are only valid for 90 days, however I do n't understand the delays with ordering the BPOs and providing approval documentation. I unfortunately am now at jeopardy of losing {$600.00} for the appraisal I obtained if we do not close by XXXX/XXXX/16 since appraisals are also only valid for 90 days. I am hoping they will rush this second review, but am not hopeful. The purpose of my complaint is to obtain confirmation that SPS has maintained compliance with CFPB regulations and required timelines in review of this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had inquiries on my credit report XXXX removed them cant get any help from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are hard inquiries on my credit report that I did not authorize. When I called to get them removed Transunion did not help me to get this corrected. 
The inquiries not authorized by me on the report include : XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an account with   XXXX   XXXX  , that was charged off in  XX/XX/XXXX .
JH bought this debt in  XX/XX/XXXX  They are reporting it as  XX/XX/XXXX  I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was  XX/XX/XXXX .
This is the only negative on my credit report. They deny that this debt is also out of statute.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Fraudulent inquiries on my credit report that I 'm not aware of reported by creditor and the credit bureau. I sent a police report several times, along with other documents so that American Express XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I was sent an email from XXXX XXXX/Citibank for a new credit card with XXXX bous miles after spending {$3000.00} in three months. I exceeded the spending threshold but did not receive the miles. I spoke with Citibank - they claimed that they had no evidence that I signed up for this promotion and refused to grant the miles. They asked for documentation that I was offered this promotion, but I have long since thrown away the envelope. I am frustrated with what seems like fraudulent advertising.

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 07/16/2016 about Debt collection (Auto) with URS Holding, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more

Company response to consumer: Closed
Consumer complaint received 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Audit & Adjustment Co. Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. 

We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. 

Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Other

Complaint: XXXX is reporting my XXXX on my credit report twice. I disputed the duplicate information on my XXXX credit report and it was verified as having XXXX accounts. I only have XXXX and this information needs to be updated because it is negatively impacting my credit score.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (Credit card debt) with Crescent City Credit Recovery, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Crescent City Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They put it on my credit report and never contacted me. XXXX XXXX??? I did not even get a letter??

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Portfolio Recovery continues to show accounts on my credit reports as open/charge off/120 days late. I 've never opened accounts with this company, they are a junk debt buyer and apparently bought some information in groups from multiple companies. They contacted me over   XXXX   apparent debts they acquired and instead of disputing with them I went ahead and paid them so they would remove the harmful information from my credit reports. This has been going on for months now and these people keep changing information on my credit reports causing me severe harm. I have sent numerous request advising them that they were supposed to delete all of their information from all credit bureaus once I paid them these debts that I never even acquired with them. I have tried so many times to get this fraudulent company to correct and remove there false information that I 'm now faced with fighting this in court. I 'm hoping CFPB will be able to start the process and get this company shut down for good. I 've been following and reading the many court cases and lawsuits brought against them for the very same thing I 'm writing about. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying my student loans on time always for years and one of my loans has gone down {$10.00}. I was never offered any assistance with how to manage loans or income dependent payments. I was also wrongfully listed as in forbearance against my will. I called in asking how to lower my interest rate and the representative said to have it reviewed I can not be current in my payments and she stopped my auto debit which I have had in check for 8 years now. I received notification that my loans were in forbearance and called immediately and no one was able to help. Finally one department said they needed to deposit {$1.00} to deactivate my auto debit. It was an awful experience and I was promised everything was resolved and I was never in forbearance. Fast forward a few months I call to release my brother a cosignor and was told I could not because of the forbearance listed on my account. I explained the situation and no one has any notes of anything. I would love for any phone calls to be reviewed to see the error that was made as they imposed this forbearance on my account that was never requested. I have been paying as much as possible since 2009 and the loans do not move. The interest I pay is through the roof and I receive practically nothing back at income taxes because I am XXXX and have no deductions to claim. Anytime I ask for assistance from Navient they have no options available.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt Recovery Solutions of XXXX, NY ( XXXX ) had been harassing me for a debt owed by an XXXX XXXX. I do not know an XXXX XXXX and an XXXX XXXX has never been at this address or phone number. After being informed of this information, the harassing phone calls will stop for a few months. They have resumed again, despite repeated warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with CITIBANK, N.A. (MS).
Issue: Payoff process

Complaint: In XX/XX/XXXX I purchased a computer from Best Buy on a promotional balance of 12 months no interest for {$1300.00}. on XX/XX/XXXX I made a regular purchase of {$100.00}. On XX/XX/XXXX I made a regular purchase of XXXX and I made a return on XX/XX/XXXX for ( {$81.00} ). I made a regular purchase for {$120.00} on XX/XX/XXXX and on XX/XX/XXXX I made a regular purchase of {$37.00}. Beginning in XX/XX/XXXX I was making payments well above my minimum to pay off my promotional balance before it expired in XX/XX/XXXX. To be exact {$100.00} payments were made from XX/XX/XXXX-XX/XX/XXXX and in XX/XX/XXXX I paid {$25.00}. In XX/XX/XXXX {$510.00} in payments were made. In short, I paid {$1300.00} in payments from XX/XX/XXXX-XX/XX/XXXX and on my current statement they 've charged me {$260.00} in interest for my promotional balance and they are telling me that I still have a promotional balance of {$190.00}. They chose to appy the bulk of my payments to the regular purchases of {$290.00} instead of applying my payments to my promotional balance so it would be paid off before the expiration. When I called today to speak with customer service the agent told me that she would use the payments that I 've made in excess of the minimum payment and apply them towards the promotional balance and remove the interest charge. I asked for a supervisor and the supervisor told me that she would n't do that and I had to pay the {$190.00} promotional balance before XX/XX/XXXX or they would not remove the interest charges. I will NEVER use this card again! This is highway robbery! I am beyond frustated and angry.

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