milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account. 
This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Affiliated Creditors, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: in  XXXX  2015 a medical bill with   XXXX   XXXX   XXXX     XXXX   XXXX   Tn was reported to collection agency even though i had made applications for financial assistance because I make below poverty level income.   XXXX   XXXX   turned the acct {$2800.00} over to a collection agency Affiliated Creditors Inc in   XXXX   Tn. When I received the letter from the collection agency i contacted them and was told that if I set up payments and paid them there would not be a negative report sent to credit Bureau. I have paid every payment of {$50.00} for a year and a half Before it was due and even extra Payments some months even though i did not have the extra money to meet the obligation We agreed to. These payments have been in full and on time for 18 months! I was able to get my credit report today and the first thing on it is a negative from this company or   XXXX   XXXX   opened in  XXXX  2015 showing the acct closed and payment status UNPAID and comments UNPAID and Below in payment history it shows NO PAYMENTS made! I have a copy of every check mailed and a paper with all the acct info that was mailed with it showing I have been current even paying before it was due Even though they will not bill you I still paid on time EVERY MONTH! I had a   XXXX   XXXX   and have been sick for a long time It is so frustrating when you try to do the right things to protect your credit because that is all i have since my income is so low to live on sometimes. and people like this collection abency dont care and dont even try to do whats right. I hope some one can help me because I Have been getting bad treatment from the begining with not getting financial assist from   XXXX   XXXX   XXXX   to this collection agency ACI ruining my credit by not reporting the truth to the credit Bureau Thanks for any Help  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Loan) with Consumer Financial Services (IL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I had worked for CFS for the past 3 years. Till my manager decided to quit in XXXX XXXX. That is when the new manager took over the office on XXXX right by XXXX XXXX. Not only was she extremely rude to her customers but to her employees as well including myself. She will pick on numerous employees on a daily basis no reason. Many employees brought it up to the attention of the CEO and the CEO failed to do anything to help us. Majority if the staff ended up quitting due to how unprofessional the new manager was. Once I quit I thought the harassment would stop and it did till XXXX XXXX I received an alert that CFS had ran my credit without authorization. I contacted my account holder and let her know I was going to email the CEO. I  then called back to set up a payment arrangement plan and was transferred to the manager and was told quote " Im sorry your  XXXX can NOT pay for your bills but I will get my money back '' and then contacted the CEO he apologized for the managers language and stated he was going to look into my account and set up a payment arrangement plan. I was later on that week informed by my account holder that the CEO did not want to work anything with me. I informed my account holder my situation and let her know I could pay XXXX by XXXX/XXXX/XXXX I never received a reply back so I assumed we had made an arrangement. I then on XXXX XXXX found a letter on my car from CFS in writing stating " WE KNOW WHERE YOUR CAR IS AT. WE ARE GLAD TO MAKE ARRAGMENTS WITH YOU PLEASE CONTACT CFS AT ( XXXX ) XXXX XXXX '' There was no letter head from the company just a ripped of sheet of paper. This company has been harassing me all month even after trying to set up a payment arrangement plan with them or return my car voluntary.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Late fee

Complaint: I recently acquired a credit card from a local furniture store that was serviced by Synchrony Financial. Synchrony Financial has since conducted questionable business practices that has unlawfully imposed late fees on my credit card account, denied that I ever had auto-pay set-up ( which caused the late fees to be charged to my account ), fees are still on my account even after calling and asking for the fees to be removed, the phone representative managers assured me that the fees will be removed but say it will be impossible to provide me physical proof ( paper statement ) before my next bill is due ; which makes me thinking there trying to get me to wait until the next statement to charge me double for the fee that they never removed. Additionally, I feel that I am being treated differently because of my last name ; which is of XXXX heritage.

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
Consumer complaint received 05/19/2016 about Debt collection (I do not know) with Evans Law Associates, P.C. (WY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Evans Law Associates, P.C., Contacted me regarding a relative 's alleged debt. I asked them to remove my number and do not call again. The collector was very rude and stated that he did not have to remove my number, and I hung up. I called back hoping to be in contact with another agent, however it was the same collector. The collector lied and stated that my relative had used my number as their own on an application, and went on to say he had pulled my credit and background report. As far as I know, it is illegal for a collector to pull any information on any person that is not listed as an account of their own.

Company response to consumer: Untimely response
Consumer complaint received 02/29/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I just found out about the Consent Order vs. Portfolio Recovery Associates , LLC. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with Portfolio Recovery Ass. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with Portfolio Recovery Ass. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much XXXX ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 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 manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Improper reporting to credit companies without prior consent under FDCPA laws.

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 04/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made. 
I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place. 
Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX & XXXX : copies of letter from XXXX XXXX. 
Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed 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 10/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I have a American Express Prepaid Card. On Monday, XX/XX/XXXX, I received an email from American Express that as of XXXX XXXX they were ending the American Express Prepaid Cards and that to have all monies used up by XXXX or they will send the balance to you in a check. I am fine with that part, however, they ended direct deposits to the Prepaid Cards, immediately. That is where I have the complaint. My direct deposit was set to deposit on the card on Tuesday, XXXX XXXX. It took me XXXX days to find out where my direct deposit was. It would seem like to me American Express would give you time to close out your direct deposit and setup up another direct deposit somewhere else. They did not to do that. This should not be allowed under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: this complaint is with Coldwell banker mortgage servicing. My issue is in XXXX I made my mortgage payment along with the escrow shortage I used the coupon they sent me. They applied it to my principal so when I made XXXX payment I started getting calls attempt to collect a debt!! XXXX XXXX they filed a work order to fix it. Now I come to find my XXXX and XXXX payments have been cashed not applied to my loan but they cashed my checks!!! Where exactly is my MONEY in a interest bearing account???! I have also received paper work a week ago for early intervention assistance because my loan is in default! You get absolutely no place with these customer service people, you speak XXXX, I have turned them into the office of the president and this matter has still not be resolved. What is my recourse here this a RESPA violation under # XXXX there should be some restitution involved here! On top if they have ruined my credit. This is just absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing statement

Complaint: Hi, I have owned a XXXX AMEX credit card for the past two years. This particular card has sat in my home safe since I 've received it. It 's never been held by anyone, never been used. This past month I receive a statement that shows I owe {$0.00} ( that is correct, XXXX cent/penny ). I am pasting my statement below to show this fraudulant charge. Since nobody has or have accessed my card sitting in my safe, logic dictates that XXXX XXXX XXXX added this made up charge to my credit card. 

XXXX Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/2016 Account Information : XXXX Payment Information Account Summary Mail billing inquiries to : New Balance Total XXXX {$0.00} Previous Balance XXXX {$0.00} XXXX XXXX XXXX Current Payment Due XXXX {$0.00} Payments and Other Credits XXXX XXXX XXXX XXXX Purchases and Adjustments XXXX XXXX XXXX XXXX TX XXXX Total Minimum Payment Due XXXX {$0.00} Fees Charged XXXX XXXX Mail payments to : Payment Due Date XXXX XX/XX/2016 Interest Charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Warning : If we do not receive your Total Minimum Payment by New Balance Total XXXX {$0.00} XXXX TX XXXX the date listed above, you may have to pay a late fee of up to {$35.00} and Customer Service : your APRs may be increased up to the Penalty APR of 29.99 %. Total Credit Line XXXX {$7500.00} XXXX Total Credit Available XXXX {$7400.00} Cash Credit Line XXXX {$750.00} ( XXXX TTY ) Portion of Credit Available for Cash .... {$750.00} Statement Closing Date XXXX XXXX Days in Billing Cycle XXXX XXXX Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Purchases and Adjustments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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
Consumer complaint received 09/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Sears/CBNA is reported an adversed information on my account, saying it was 30 days delinquent XXXX XXXX XXXX XXXX when it should not have been. Sears sent out a statement to me some time in XXXX XXXX, but the mail was undelivered. I never received my statement and when I finally received a call from Sears, I made a payment right away. I have never been late and Sears have records of the mail being undelivered. I called twice to Sears to dispute this, but they say I have to dispute it with the Credit Bureaus, which I have. The Credit Bureaus did an investigation and it is still showing as an adverse account ( my ONLY XXXX with a negative mark! ). I am very distressed at the damage this is effecting my good credit standing. Because of this XXXX mistake on my credit report, I have been wrongfully denied credit recently for a refinance on my home, which was highly embarrassing.

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