milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
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: I have contacted all XXXX credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that XXXX of the XXXX agencies responsible for maintaining consumer personal credit information ( Equifax ) can have a major breach ( affecting millions ) and NO repercussions. My son was late XXXX time and this stays on MY credit report for XXXX YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had XXXX credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. XXXX years is just not right. Equifax will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with Enhanced Recovery Corporation. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX   XXXX . I am not responsible for this debt with Enhanced Recovery Corporation. I called and spoke to a very rude representative and I requested to speak to a manager. I informed them that I do not owe this debt and asked for removal from all of my credit reports immediately. I was told that they would send me a fraud packet and I would need to send that back before they remove this unauthorized, unverified account that has no validation.   They are reporting this account opening as  XXXX   XXXX ,   XXXX  . I was not aware of this attempt to collect a debt before now, I have not received any notifications from them. They had an address that does not and has never belonged to me in their database. I informed  Enhanced Recovery Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted TransUnion Credit Bureau via mail and phone to have unauthorized inquiries removed from my credit file. The customer service representative would not transfer me to an U.S representative as I requested, and also would not assist me in addressing inaccurate info on my credit report. The following inquiries being reported were not authorized by me, I have no knowledge of speaking to or applying for credit with them. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX) I am requesting these items removed or verification that my information was pulled for a firm offer of credit, employment, or court order as stated by FCRA these are permissible reasons to pull someone 's credit file.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: EQUIFAX DID NOT PROTECT MY PERSONAL INFORMATION SECURELY ENOUGH WHICH LED TO A HACKER GAINING ACCESS TO PERSONAL DATA

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: The CFPB and XXXX States, including mine ( Utah ), brought an action against OCWEN and got OCWEN to agree ( XXXX XXXX ) to their {$2.00} XXXX penalty settlement, and their written promise to not perpetuate any court action against any home in which they had filed falsified ( robo-signed ) titles with the county recorders and the courts. OCWEN identified me and my home as one of the victims of their illegal action and paid me {$1100.00} in XXXX XXXX. In spite of that payment and their promises contained in their settlement, OCWEN hired their XXXX attorney in XX/XX/XXXX who perpetuated their fraud before both the local state district court and the federal court in Utah, and finally got me evicted from my home this past XXXX. This after me on my own legally battling them since XXXX XXXX against their illegal acts. They are now getting ready to perpetuate some more their crime against me and my home ( that sits deteriorating and vacant with their lock on it ) in the Utah XXXX XXXX XXXX - that is if they can find a lawyer stupid or crooked enough to take them on as a client ( they have gone thru XXXX lawyers so far ). What can the CFPB do to help me to enforce the settlement agreement that OCWEN is actively violating against me? The past XXXX Attorney Generals in Utah ( XXXX of which are currently awaiting trials for felony criminal charges themselves ) have denied in writing all my multiple requests to even investigate OCWEN, let alone prosecute them for their past, current and active felonies - felonies that stand as un-refutted in the record of my state court action. It appears OCWEN only got this far in their action against my house because of judges who do n't do their duty and ignore the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I submit a dispute to XXXX, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with XXXX customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Bank of america for years now they have lied numerous time to me, they switched a really good modification on me without even asking me or even telling me the reasons why, even though i made 3 trail payments. and later they said they were going to fix it and they never did, and the payments were a lot more higher then what i was informed, due to that i had to default on my payments. Now im being told my house is being sold even though i provided proof to them and they are very rude and inconsiderate and would never let me speak at all. I will provide a letter of complaint that I faxed over to them because recently i was lied to again and i was told there was a proposal made for me but that was not true, they only made a proposal to the investor and I was n't supposed to know this information. they gave me the information on how much it was supposed to be and even the Assistant Vice President from the Bank of American who was XXXX XXXX even confirmed that I qualify for a modification with my income and expenses, he could n't even understand why i did n't get qualified for a new modification and they were denying me assistance, and he even escalated my case from his end with no positive results. I 'm Attaching the complaint letter that I send to Bank Of America, and the proof of modification that was given to me and they never honored it and they changed to terms of the modification without even letting me know. Even though i made the 3 trail payment which was {$1200.00} on these dates XX/XX/2010,XX/XX/2010,XX/XX/2010. 
I had nowhere else to turn and hopefully I can be assisted by your organization. 
Thank you for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In 2007 I heard about the Public Service Loan Forgiveness Program. I called my loan servicer and made sure I was on track to be a part of this. The promise was that after 120 on time payments, the remainder of my loans would be forgiven. I was working in qualifying XXXX and my income was well within the parameters given to me. Last year I knew the 10 years was getting close so I started looking into the application needed to get the loans forgiven. Through this process my loan was sold to fedloan and they tell me that I have not made any qualifying payments. I called a couple of times and was told that there is a review process that takes up to 3 months to determine if my previous loans with XXXX XXXX count. They also told me that in the meantime, if I wanted to get on a qualifying payment program with then I would have to pay an extra {$100.00} a month. The way they made it sound was that the XXXX XXXX people misinformed me about the type of repayment plan I was on and that I would have to take it up with them. They do not exist anymore! I asked who would be able to look and my situation and make a rational decision. I was told nobody could, that there was no appeal process and that the policy guidelines are black and white. I have worked over ten years in XXXX XXXX XXXX, have always made my payments and just this last month my loan was sold to an external organization that says I have not made any qualifying payments and that if I started I would have to pay an extra {$100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am XXXX I have XXXX and live on a fixed income. I have people that care about me. Call nine-one-one when XXXX they care. It 's not my fault that I go into the hospital for days sometimes weeks. That 's part of my illness and I 'm living with that I should not be billed for being sick. That 's the job of XXXX who is my insurance company that needs to pay whatever is left. I 've had XXXX since I was XXXX I am now XXXX years old. There are some days out of the month where I do n't eat because I do n't have enough money to eat because I have so many bills that I have to pay. Everything on this report is XXXX I do n't have XXXX outstanding bill from any credit card company at all. Everything on my report is due to my medical condition. They are all collections from Medical collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SLS had the locks changed on a property while a short sale is being negotiated. I was told by XXXX at SLS on Friday XXXX/XXXX/15 I would be called in 2 days to meet at the property and they would give me a key. As of today, XXXX/XXXX/15, I have not received a call from anyone. Foreclosure sale date is XXXX/XXXX/15 and SLS 's actions are preventing the short sale from getting completed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: the bankof america has not behaved fairly with an fha loan they can do a modification they say they are there to help but never do anything, I dont know where to go for more help since I am single and no man around I feel they have walked all over 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 04/22/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Managing the loan or lease

Complaint: Citifinacial received a default judgment against me in XXXX XXXX. In XXXX XXXX I settled the charged off account with Citifinancial. Since XXXX I have attempted to work Citifinancial and XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, SC office to get a Satisfaction of Judgment submitted to XXXX County Clerk of Court. Attached is a copy of the settlement offer and also a copy of the letter I received from Citifinancial showing the charged off account was satisfied. They refuse to submit the satisfaction of judgment information and this continues to negatively affect my credit standing and causes me to incur higher interest rates and fees or being outright denied credit. 

I am also submitting a complaint to the Consumer Financial Protection Bureau, XXXX, as well as seeking legal representation for damages caused by Citifinancials ' inaction. 

Judgment number with XXXX County : XXXX Account Number with Citifinancial as shown on credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: After sending a letter to Hunter Warfield requesting validation of a debt that was placed on my credit report, they have failed to respond after numerous attempts to contact them. This debt was satisfied to the original creditor XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am a first time home buyer. I bought my house XX/XX/XXXX and I just received a shocking bill of paying back into an escrow account. My payment was lowered to {$2100.00} XX/XX/XXXX I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost {$13000.00} or {$3900.00} a month when my payment is & XXXX. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would be careful with Seneca mortgaging. They do n't tell you the truth. I was not told what I need to be told that my payment was incorrectly being collected. I asked I should have been told. Everyone is not able to payout all at once or have their payment raised. I was with XXXX with my loan and had no issues.

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received any communication, documentation from AWA in attempts to collect a debt from XXXX 2011 and have been trying to contact this company to ask about the debt but my calls have not been returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This agency will not contact the original debtor to let them know I settled the account. Now another agency is contacting us for funds that were paid 6 months ago. I have called them back multiple times to ask that they contact XXXX XXXX XXXX and let them know the account has been settled. They are now asking me to take letters to XXXX XXXX XXXX and to the other credit agency, which is something they should be doing and should have done 6 months ago. This would n't be a problem today if they had properly notified XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reached out to the credit bureaus about a car loan that is showing up on my credit report. I have contacted the creditor and submitted documents to them as well advising them that this was fraud and my identity was stolen. They have been cursing me out and hanging the phone up in my face. I need to have this {$20000.00} car loan taken off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: Hi, We will file XXXX complaints, this one is to Paypal, and a XXXX one will go to XXXX XXXX. 

A friend of mine just lost her husband on XXXX/XXXX/2016, and then she and her young daughters ( XXXX ) was ready to sell the piano in the house for financial purpose. They put the ad on line and someone ( named XXXX XXXX ) called in and agreed on buying the piano per asked price. The next day, an email in the title of Paypal, with Paypal logo and email address, came to my friend saying a secured payment has been made but will be on hold until payment of {$600.00} to be paid to the transport company thru XXXX XXXX. My friend sent the money by going to the nearest XXXX counter, and then another email in Paypal title came in saying the transaction is moving forward, but will need to pay government tax in the mount of {$520.00}. My friend felt very odd and get in touch with both Paypal and XXXX XXXX by calling in, and was told this must be an online fraudulence, and the money has been taken leaving the customers of these XXXX companies unprotected. They can not do anything but just gave out a case number. In this case, both Paypal and XXXX XXXX have been used by the criminals, and their creditability and reputation are stained. Paypal and XXXX XXXX must do something to patch the holes in their business model to keep their customers from further losses.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX got a loan for XXXX back in XXXX 2016 ... ..supposed to a six month or early pay " will send attachment '' ... .made payment every Bi Weekly ... ..at first I had no problems then notice then extend my payment schedule to 12 months without my knowledge ... ..I all ready gave {$1000.00} more than enough to pay back loan ... .they tell me its just the principal interest ... ..at almost 980 % interest rate ... .I cant afford it any more and payments have going up .... now effecting my car and rent other bills ... I have stop all communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a XXXX account reporting through this company called Enhanced Recovery, I have disputed with nothing being received. Unknown and to owe {$1300.00} is crazy requesting validation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with Fidelity National Financial, Inc (CO).
Issue: Settlement process and costs

Complaint: We purchased a home in XX/XX/XXXX ( XXXX ) - which was previously a short sale. All liens were supposed to be released by the title company XXXX ( now owned by Fidelity Title Co ). When we refinanced in XX/XX/XXXX we found out that the liens had NOT been released and that XXXX liens totalled {$1.00} mio. ( # XXXX lien : XXXX, # XXXX lien : XXXX, # XXXX lien : XXXX mio ). We were able to clarify the XXXX smaller liens but the largest liens has not been removed. The lien holder will not release this lien as the previous owner owes still so much money that they have not much else to leverage and therefore want to hold on to our home. XXXX/Fidelity Title has refused to take any action as we have officially not sustained any " damages ''. Recently, the lien holder threatened to foreclose on our house. While the title company assures us that we are insured in the amount of the purchase price ( what about the equity that we have built up in the mean time? ), it is very disturbing that they have not released the lien when it was supposed to be released. This now, threatens our family to lose their home with no fault of their own. I am horrofied. Whenever you purchase a home, please make sure that all previous liens have been properly released.

Company response to consumer: Closed with explanation