milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I use XXXX to assist me with the mess that is my credit report. There are things listed on my credit report that I do not have any knowledge of. I have asked that these items be removed. Transunion was asked to investigate and remove all credit report lines, specifically this credit report line : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$2700.00} Bureau : Transunion What happened next is baffling. The same day that it was removed, IT WAS ADDED BACK, as a completely different collection. It now looks like : Agency : XXXX XXXX Report Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount Owed : {$2700.00} Bureau : Transunion The Consumer Protection Bureau should be concerned that this kind of behavior is being exhibited not only by the credit bureau but by this Collection Agency. The opened date now shows XX/XX/XXXX. The original open date was nearly 6 years ago. This item should not even be on here, as I do not have any knowledge of this debt. They have no proof of validation and when requested they could not provide ME with that information. Simply sending me a bill does NOT validate a debt. They can not provide physical evidence that the debt is warranted. 
Transunion made a very big mistake in reporting this debt as they did as a different creditor name and under a different collection agency, the exact same day it was removed as not being valid. Shameful. Can you imagine being XXXX XXXX and having XXXX XXXX transfer this debt to them and they knew that it could n't be validated because I started disputes pertaining to the debt in XX/XX/XXXX? That 's criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: XX/XX/XXXX, I received a Mail Correspondence to consolidate my credit card debt into one loan- From Bank Of America- I called and agreed to the XXXX Line of Credit for a term of 96 months. I called in XX/XX/XXXX to discuss with Bank of America as to why I was continuing to be billed after my Pay Off date- I was told that I did not understand how interest accumulates and that I still owed over 10,000. I said how is that possibly- If I purchased a car over 60 months at the end of the 60 months I would own the car- after 3-4 calls being on hold being transferred to numerous departments, I asked for all of payments to be sent to my address with my original agreement. I was told that my account has been closed and Bank of America can only retrieve records back 7 years- so let me get this straight you have no record of a commitment to our agreement- you have closed my account. Very Good- yet they continued to bill me and additional XXXX has been paid to them- XXXX loan - Bank Of America HAS RECEIVED OVER 84,000 FROM ME XXXX OVER MY 96 MONTH AGREEMENT. After I told them I was filing a complaint I received a phone call and they stated that we resolved this issue last year XXXX XXXX- I said this issue was never resolved I just kept paying you- The agnet said Sir the rates changed in XX/XX/XXXX we sent that information to you in your bill - I said WHAT ARE YOU TALKING ABOUT- How can the rates change - and why was the term extended- no response.

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 05/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not have knowledge of this debt. I do not have a contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX and XXXX XXXX, the following accounts were deleted from all 3 credit bureaus : XXXX XXXX in the amount of {$64.00} -XXXX XXXX XXXX in the amount of {$440.00} In XXXX of XXXX and XXXX XXXX both accounts were reinserted back onto my credit report. According to the fair credit reporting law we are supposed to be notified before reinsertion of any deleted accounts on a consumers credit report. I did not receive any reinsertion notification about either of these accounts. Here is the law below : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material : Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a  consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a loan through the US Dept of Education. I was unemployed and underemployed for a couple of years, and was behind on payments. I had to go abroad to find work in my area, XXXX. When I started making payments directly to the USDE in XX/XX/XXXX-XX/XX/XXXX, not all of my loans were listed. I paid off the one listed, sent emails to the USDE, getting no reply, asking if about the other loans. On the USDE XXXX program website it just said that there were no other loans to be paid at the moment, so I really did n't know what was going on. I then later heard that Navient had bought my loans - when my loans went into collection in XX/XX/XXXX. The following year I went through more difficulties as another student loan service, who I paid to help me start the process of rehabilitating my loan, failed to complete this job twice. So I started rehabilitating the loan last summer, after a year of trying to get it done through XXXX ( the name of the company ). 
My complaint is about Navient. They sent me no mail, no emails, and there was no information from the US Department of Education that Navient had bought the loan. The loan balance in that time went from around {$62000.00} to what is now {$130000.00}, through Navient 's neglect to send me any information, and XXXX failure to process the rehabilitation papers. I was making payments in good faith in XX/XX/XXXX-XX/XX/XXXX until I had paid the loans listed. My attempts to find out what had happened yielded nothing. Last year I wrote a complaint letter to Navient, but they denied any wrongdoing. The loans were for XXXX school at University XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously disputed this case with Portfolio recovery, They agreed to cease collection efforts and remove items from my reports. The items were removed, however they have been reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had numerous conversations with  XXXX  regarding my account #  XXXX   XXXX   XXXX   XXXX  - Which was an old  XXXX  account that was converted into  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

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 03/14/2017 about Consumer Loan (Installment loan) with PNC Bank N.A. (PA).
Issue: Problems when you are unable to pay

Complaint: this loan was discharged in a bankruptcy in 2010 and PNC will not take the lean off of our house. I am a widow, XXXX years old and have to handicap XXXX.. I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: As of XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XX/XX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XX/XX/XXXX for {$260.00}. Credit report does n't show payment status for XX/XX/XXXX nor correct balance for XX/XX/XXXX. Billing statement does not show payment on XX/XX/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 04/20/2016 about Debt collection (Credit card) with The Bureaus, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/2016 I contacted them ( The Bureaus INC ) to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX regarding this account notifying them that this account was not mine I never attended this school. I asked XXXX XXXX to verify this but they verified it was my account.

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 02/21/2016 about Consumer Loan (Title loan) with TMX Finance LLC (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I have paid over {$3100.00} in fees and interest on a loan over the last 5 months. 

I took out a Title Loan on my vehicle through Title Max in XXXX XXXX for {$5000.00}. I was told be the representative this a 24 month loan. My payment is $ XXXX over 24 months. At the time I was in a XXXX expecting my pipeline to close. Unfortunately, my loans did not close as expected. 

I have made over 7 payments totaling {$3600.00}. My balance is STILL {$4500.00} from the original loan amount of {$5000.00}. 

I fell behind less than 30 days and Title Max sent me documentation to SURRENDER my vehicle. A XXXX BMW 525XI that I own. 

These company 's need to be fined to the extreme for what they are doing to the public. I thought worst case ... .I pay $ XXXX/mo over 24 months Title Max makes {$7400.00} on the car I own. 

PLEASE PLEASE!!!!!! FINE this company and shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX apartments is trying to collect an amount of money for maintenance and cleaning of the apartment and they sent me to collection with XXXX.without informing me on a timely manner. 
I understand they changed management, I was waiting to get my deposit returned because when I left the place I was informed that I would have to wait a while. I kept in touch with XXXX to check the status of my deposit. When I left the apartments I informed her of my new address and she documented it. Later, checking in with her I found out I was sent to collections. 
XXXX suggested to call the collection agency. I asked her why? She tried to help me but she said she did n't know. The collection agency was then the XXXX who informed me about the charges over the phone. I asked them to send it in writing. 
The apartment complex did n't provide with an accounting of the moneys deducted from the security deposit within 21 days per California civil code 1950.5. 
Regardless, my deposit well covers all the charges they are stipulating and I still have not get any money back. The manager told I should not be charged for the carpet cleaning since it was not clean when I moved in. I consider that the charges are grossly exaggerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: We were offered a loan modification with interest rate of 4.9 % and a final balloon payment of over {$130000.00} at maturity in XXXX, by that time I will be XXXXyrs and my husband will be XXXX yrs God willing, where do we get {$130000.00} to pay after the loan matures? we had to decline this offer because is like deferring foreclosure on our house till old age. We simply want something reasonable to help us afford the loan and prevent future foreclosure as well. The loan balance is above market value so we can not refinance, this means that we are stuck and the only other option is to make it affordable or face foreclosure. As advised, we are requesting further review based on the Real Estate Settlement Protection Act, RESPA. The requested RMA and percentage ownership information has been forwarded to the appropriate department. 
Thanks, we will greatly appreciate favorable consideration, looking forward to a favorable response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Medical) with Central States Recovery, Inc. (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have paid this debt 2-3 times. each time they tell me the report will be processed later in the day and it never is. a new collection account was on my credit report I was not familiar with I asked a question about this I was threatened to pay today or be imprisoned and sued. when I asked her if I could receive a bill she said only if I made the payment. I tried to ask a question and she proceeded to give me legal advice and advised paying the debt in order to avoid legal action and potential imprisonment. 

I have never been sent a bill on this amount or called. I was trying to get information and was threatened. 

as well as a smaller amount I have made several attempts to pay is still on my credit.

Company response to consumer: Closed
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with NRA Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.

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 06-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with PNC Bank N.A. (TN).
Issue: Charged fees or interest you didn't expect

Complaint: My wife and I have had an had a joint checking and savings account with this bank since  XXXX , no w owned by PNC. We have an overdraft protection account with a {$1000.00} limit. We have a PNC Point Visa Signature CC and a PNC Core CC both with automatic payment set up. On three occasions CC payments were automatically drafted and the balance in the checking was insufficient -- at which point overdraft protection should have covered the amount of the difference. Instead, PNC did not honor the payment resulting in late fees totalling {$85.00} and negative marks on our credit score. They are as follows : PNC Cor  e  XX/XX/XXXX   Late Fee {$25.00}  PNC S ignature   XX/XX/XXXX   Late Fee {$25 .00} PNC Si gnature  XX/XX/XXXX Late Fee {$35.00} I spoke with a  PNC account representative who told me that PNC 's policy is not to allow overdraft to make payment if it is to another PNC credit product and they would not remove the late fee. Obviously, we have OD protection for just such instances and believe the payment should have been honored.
<P/>
Also, I should note that in all the year 's we have had OD protection and PNC CCs this is a new to us happening and believe it is a recent change in PNC policy made to unfairly collect more interest, penalties and fees on the back of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$640.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation