milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, mortgage : XXXX # XXXXdates in dispute : XXXX XXXX and XXXX XXXX (? ) Equifax response XXXX XXXX XXXX I contacted Equifax to dispute delinquent payments on my credit report. I had sent my mortgage company a copy of my USPS postal tracking # It was mailed as a 2 day priority. Per XXXX, no late pays are showing on my account. 
In XXXX XXXX I contacted my mortgage company a second time ( after the dispute with XXXX ) and was advised XXXX XXXX payment is showing current in their system and there are no late pays going back over 5 years. 
Today XXXX XXXX, XXXX, I checked both XXXX and XXXX XXXX, both STILL show XXXX delinquent pays on the credit reports. Per Equifax, the incorrect information had been removed and my credit score adjusted accordingly. Last month, I checked ALL XXXX free credit report sources in XXXX and ALL XXXX had me at a XXXX score or higher. Today, BOTH Equifax accts ( XXXX and XXXX ) have the exact same score XXXX and both have the same XXXX LATE PAYS. This is in spite of the fact that Equifax contacted me with # XXXX which is now expired, advising all payment information had been corrected. To make matters worse, my computer crashed last month, and the document where I copied that information is on my old system. At this time I can not access the document where I copied their complete response. 
I stand by my statement below, because I do have a copy advising the errors had been removed and saw the new, updated scores last month, but did not think to screen print them. Who would imagine that it was all a hoax? 
Since my score from XXXX is XXXX and shows both accounts, it is obvious that Equifax has not corrected my information, or they corrected it in XXXX, then put the incorrect information back on my credit report in XXXX. For them to force a lower score on me is questionable and unethical. It still appears that they are using " late pays '' as a means to force people to purchase their credit products. 
I also want to add that my son 's name is on the mortgage and his score has been over XXXX for several months. How is that possible when we have XXXX accounts that are the same? His name is XXXX XXXX XXXX and he is he co-signer on the mortgage. I am a cosigner on his car. Same debts, yet different scores. Seems a bit bogus to me. I have attached the screen prints from XXXX ( XXXX ) for your review. As you will see, they have corrected and updated my score.They also show XXXX open accounts. That was disputed and corrected with CFPB Case number : XXXX. Thanks for your time. Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 XXXX, Please assisted me regarding this matter. I have filed XXXX consumer protection complaints : XXXX ; XXXX ; how can we kept giving the crooks more lead way than the people with integrity. This company has engaged in deceptive trade practices and attempted to engage in theft by deception. 

I have filed XXXX complaints against NCC Services for trying to collect debt on a fraudulent insurance claim that can not be validated since the old company, XXXX, XXXX XXXX, XXXX., XXXX NV. personnel, committed an insurance fraud scheme by charging me with damage to my apartment after I moved out. This company forged my name and stated they I owed them a combine total of almost {$2500.00}. They produced no pictures of any damage and I was notified XXXX months later once I returned back to XXXX to address the foreclosure hearing on my property in XXXX. I showed the management the foreclosure notice and they said that they wish me luck. In XX/XX/2016, a loan XXXX tried to force me to not dispute the fraud in order to re-financial my current property in XXXX. I refused. See letter. XXXX weeks ago, this collection company which used XXXX names : NCC Services and National Collection Services demanded the {$2500.00}. See documents. I am trying to purchase a new loan and I do n't have time to wait 60 days for a company that has no license in Texas to attempt to collect fraudulent debt, unable to validate the debt since the old company XXXX was bought out XXXX years ago by XXXX XXXX, conspired to put this fraudulent account on my credit report, unable to produce a contract assuming the fraudulent debt, and uses XXXX names to committed this collection fraud. This is clear cut deceptive trade practices and fraud by the collection and XXXX. I have filed a police report for fraud in XXXX XXXX XXXX, XXXX. Please have your staff insist on validation today and delete this from my credit report. Please have an Ombudsman contact me at XXXX if they can expedite this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I use to have a XXXX Credit card that was opened in XX/XX/XXXX. The Credit card was Paid off in full before I closed that account, yet EXPERIAN is reporting it as placed on collection XX/XX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 

Why is the credit card that a consumer paid in full and closed being reported being forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practicesThis information should never have been reported to or forwarded to a collection Agency XXXX XXXX XXXX for a credit card that a consumer paid infull before closing. This should not even be listed on my credit report as being in collections. since when was a full paid credit card been forwarded to collections?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10-01-2015 about Debt collection (Mortgage) with Ditech Financial LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being called repeatedly because my name is the same as the debtor. I have called and provided the last XXXX of my social and the system has been updated repeatedly, but yet the calls keep coming up to 4 times a day. The issue should have been resolved last XXXX and the phone they are calling is used for my XXXX business.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I got incorrect interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with LEXISNEXIS (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I had applied to XXXX and was denied auto insurance due to a report from Lexis Nexis. I had to stick with XXXX since no one else would insure my car ( s ). My XXXX auto insurance came up for renewal and XXXX sent me a Virginia adverse report due to information from Lexis Nexis. XXXX proceeded to hike up my auto insurance cost due to the so called report from Lexis Nexis. Following the instruction in the XXXX report, I wrote to Lexis Nexis to send me a copy of the report. They wrote back to say they could not verify my information and that I should call them. I have called several times, and no one has ever picked the call. If LexisNexis could not verify my information to send me my report, what information do they have to report on?. Unlike my free credit report, LexisNexis is very frustrating and difficult and I urge the government to save us from this unnecessary hardship and distress of several hours of phone call without any result. I deserve to have access to my report. Please compel LexisNexis to release my report so I can correct any factual errors.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Making/receiving payments, sending money

Complaint: My bank account has clearly been infiltrated by a thief. Today, while on vacation, I checked my account online. There is a record of all withdrawls i have made within the last 7 days. There is a deposit made by my employer. The amount of money in the account is short the exact amount of the employers deposit. That is the second time this month that money has been shorted from my bank account with FifthThird Bank. I need to switch banks and I would like to get that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I went online XX/XX/XXXX to make a mortgage payment to Wells Fargo Home Mortgage of {$1300.00} which is my normal payment. I noticed the payment had increased from {$1300.00} to {$1300.00}. My normal escrow analysis was done XX/XX/XXXX and my payment had gone up due increased property taxes and property insurance.I called Wells Fargo and talked with customer service agent XXXX on XX/XX/XXXX and proceeded to tell me the increase was due to a mistake in the modification process of my loan XX/XX/XXXX. XXXX also stated to me to protect my credit that I should go ahead and make the new payment and Wells Fargo would talk to me later about it.Wells Fargo has not contacted me in any form including mail, email, fax or phone to alert me of an increase of my mortgage. Wells Fargo refuses to accept my normal payment of {$1300.00} and due to this stance my credit record is now in danger. I am on Social Security XXXX and every dollar counts to me. How can a bank just decide to increase your payment out of the blue without proper notification and then refuse to accept the normal payment. I have reviewed my closing statements of the modification XX/XX/XXXX and Wells Fargo is incorrect.

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 06-06-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NC).
Issue: Billing disputes

Complaint: XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. 
On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. 
I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. 
Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. 
The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. 
I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? 
I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (SD).
Issue: Billing statement

Complaint: I have a credit card account with USAA XXXX. I used the no paper option and conducted all business with them online. Last year I began to have problems with their security system. For reasons I am unable to understand, they began to lock me out of my online account. After the second time this happened, I decided to close the account. I wrote a letter to them dated XXXX/XXXX/XXXX requesting that they close the account and send me a final paper statement. I received no response. On XXXX/XXXX/XXXX I wrote a second letter, requesting the same thing and specifically revoking the " paperless '' option for all my accounts with them. Again, I have received no response. Since, I am locked out of my online account, I ca n't determine if there is any final balance on the account, and if so, how much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Hi, I have banked with BOA for eight years and living on XXXX XXXX dollars a month has been unbearable. To the contrary, I have no support and no credit with BOA. I deposited XXXX dollars into BOA and using Debit I 've received no rewards or approved by credit. My savings account was closed and other members on this account had access to every available funds of my personal money regardless of my primary ownership. 
As an end result, discrepancies were added to my account causing me several overdraft fees. Please let me know when I can access credit or resolve debit usage!

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 06/22/2015 about Debt collection (Medical) with Frost-Arnett Company (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Despite repeated requests to cease contact to business phone number, attempts to contact my wife, leaving message about debt, continue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with National Business Factors (WA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I tried paying it but they wanted more for what was asked tried to set up payment arrangements wanted more.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in  XXXX  of this year I informe d the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.

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 04/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is a f/u to closed complaint #  XXXX . I spoke w/Navient re allocating $ $ to my  XXXX  separate loans with the intent of paying off the higher interest loans first. As previously stated in the complaint, I had increased my loan payme nts by roughly twice as much as the original requirement in order to pay the loans off more quickly and was told that I could not allocate funds. Last week, I contacted Navient to 1 ) find out the minimum payments required for each loan ( to continue to make good on the payments ) and, 2 ) advise how I wanted my payment allocated. I was advised by a Navient supervisor that I could only allocate $ $ if I paid EXTRA ( in addition to the monthly extra payment I was already making by auto withdrawal ). When I questioned  why this was so I was told that when I chose to pay more the " terms '' of the loan changed, i.e., they adjusted the payoff date. I still do not understand why that would deter me from allocating funds to the high interest loans first. Certainly I am no financial expert but it makes absolutely no sense to me that because I chose to pay more I would be locked into how I 'm paying this loan, which means that they continue to accrue money from my higher interest loans. Please explain this to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested that Equifax remove numerous address from my credit profile. They are not accurate or correct. They still continue to report these addresses. All the addresses they have listed as previous should be deleted and removed they are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (WI).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: This involves a car loan ( XXXX ). The first issue I have is that the credit union was misleading in omitting to inform me of fees associated with the payment of the loan. In this case, now that I paid off the loan is when I learned there is " {$35.00} '' fee for the credit union recording a lien with WI 's DMV. 

Second, I have been in contact with the credit union since XXXX.17 about my issues and have requested several times proof that the credit union paid this fee and that the matter be escalated to someone with authority to dig deeper into my request. So far, nothing. They claim the paid it, but that there is no invoice/documentation for it. What if the fee was actually {$5.00}? {$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 explanation
Consumer complaint received 07/17/2017 about Debt collection (I do not know) with EQUIFAX, INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  XX/XX/XXXX    XXXX   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   AZ   XXXX    reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. Neither do I contracted any private loan, mortgage loan, credit card debt or any kind of contractual agreement that involve any monetary value or the said claimed amount. My employment contract with  XXXX  does not include any agreement or clause that states that I will be charge with such amount whenever my contract is terminated or ends with   XXXX   XXXX  . A copy of my contractual obligation with   XXXX   will be attached for your review. I Remembered that I was employed by   XXXX   on  XX/XX/XXXX  as an   XXXX   XXXX   until  XX/XX/XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers, and  XXXX  pending sales to   XXXX   XXXX   who was my immediate supervisor, as per company policies. Since I left  XXXX , I have never in any form sold any policy to any person as a replacement from the policies that I have written when I was employed by  XXXX . When I became aware of this information on my credit report, I reported to Equifax about the inaccuracy of the report. I also contacted  XXXX  to provide me with information about any account in my name with explanation of how I owed such amount and have since never been provided with such information. Moreover,  XXXX  have never contacted me about any debt after I have separated from them.Reference complaint number  XXXX , you referred equifax to investigate my complaint. Equifax rather corroborated with  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , and added {$1.00} to the original amount of {$3400.00} to make it {$3400.00} and reported it again in my credit report on equifax official site. Now they have   XXXX   accounts in my name reported on my credit report from   XXXX   XXXX    through   XXXX   XXXX   XXXX   XXXX   XXXX   after the CFPB have referred Equifax to investigate my first complaint.  XXXX  of the account is reported as {$3400.00} and the other reported as {$3400.00} all from  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , This illegal behavior of Equifax, indicates that they are in corroboration with   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   to damage and destroy my credit worthiness and to prevent me from pursuing any career opportunities. Equifax behavior also showed gross amount of disrespect for the Consumer Financial Protection Bureau ( CFPB ) .I want all of this inaccurate information remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (I do not know) with Phillips & Cohen Associates, Ltd. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: sOMEONS FROM pHILLIPS COLD CALLED  IN REFERENCE TO MONEY OWED. hE WOULD NOT IDENTIFY HIMSELF OR THE NATURE OF HIS CALL  SO I HUNG UP. tHE NUMBER ON MT cALLER I d WAS XXXX AND THE NAME WAS pHILLIPS. I LOOKED THIS UP ON THE INTER NET AND FOUND THAT THIS COMPANY HAS NUMEROUS COMPLAINTS FILED AGAINST IT. wHY HAS NOTHING BEEN TO STOP pHILLIPS FROM harassing  PEOPLE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation