milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im writing this on behalf of my minor child. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient : student loan servicer, since XX/XX/XXXXhas not made me aware of different repayment options including income based repayment and the public service loan forgiveness programs. I have worked for a qualifying non profit organization for the past 8 years. I would qualify for the loan forgiveness in 2 years. Raising XXXX kids during XXXX, I had a significant financial hardship. I was repeatedly told by Navient that I had no options during XXXX other than forbearance. Additionally was told that my only options during times of financial difficulty due to low income, was forbearance. I began doing my own research into the public service loan forgiveness program and income based repayment plans. I called Navient in early XX/XX/XXXXto initiate the process of applying for these plans. I was told multiple times that I did not qualify because of my current income at that time. I talked to a lawyer who looked into it and said that I absolutely qualify. Additionally, when I completed the application and submitted it Navient, I was told that they never received the application, however when I talked to XXXX XXXX XXXX they had a record of that initial application in their system. I talked to Navient again, and was told the application was not processed because I did not qualify for the income driven repayment plan. I resubmitted an application and was eventually approved although initially told many times that I did not qualify. This company has consistently given false information, has been extremely inconsistent, misleading, has " lost '' paperwork, and has caused significant delays in my ability to qualify and begin my qualified payments on the public service loan forgiveness program. When I did resubmit my application to Navient for the income driven repayment plan, they misapplied my information placing me on the PAYE plan rather than the rePAYE plan causing my monthly payments to be excessive. I have therefore been overpaying on my debts, watching principal continue to increase, and not having my monthly payments qualifying for the PSLFP. By rough estimate, they have cost me over 200,000 in unnecessary interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they 'll get back to you within 48 hours but that never happens! Other issues : So I got a loan of {$4000.00} from my graduate school and my school has a forgiveness program where ever year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I 'm a XXXX XXXX and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer XXXX although I perform the duties of a XXXX and XXXX ( which also qualifies for forgiveness ) and probably more. So the reps ( who are usually nice but have no control over anything ) told me to simply word the letter differently which I did but am still waiting for it to " process ''. It 's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, " It 's processing ''. Even though on the website it shows my loan is " Past due '', the reps tell me not to worry and that that will disappear once it 's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was " processing '', yet I have no proof of this happening. So I called my school and the person who answered told me they had updated my file about a week ago saying " Fax not received '' even though the rep had confirmed that the fax was received already and was " processing ''. Scam!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX 2016 I wrote Equifax asking to investigate my credit score. About 2 months ago I also wrote them for the same reason and got no response. I sent this request to investigate through the mail. 
I have heard no response. 
I filed Bankruptcy XXXX, 2016 and numerous tradelines were being reported wrong or should not be. Equifax would correct them, but the credit score would not change back. 
My XXXX score is XXXX. All I have on my XXXX are a lot of student loans either paid or being paid on time. On my Equifax I have those same student loans and XXXX 's furniture being paid. I also had the fraud child support, which is now removed. I told you all it was fraud. 
That wide range in credit scores XXXX to XXXX is too much a difference. Others told me that too. As said during my bankruptcy I would dispute items and removed or adjusted, but the score that dropped did not change back. 
I have asked Equifax for a copy of my credit reports since XXXX, 2016 so I can see where the problem lies since they refuse to investigate this. 
Someone with positive credit payments and closed paid accounts should not have a credit score of XXXX. They need to explain this score and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that. So, if the debt is simply too old to collect, and the fact that XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

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 10-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I just received a response to my dispute from Equifax and they are only telling me that they have previously " investigated '' the XXXX items tat are CLEARY outdated and INOCRRECTLY reproting to my credit repot and I have asked them to do the right thing and remove them already, as i have been arguing with them via phone and through letters for nearly a year now. They can not report XXXX and XXXX XXXX XXXX XXXX any longer because of the statue of limitation which has expired on both. They are also reporting very incorrect information within these accounts that are damaging my financial life. Please have them remove these XXXX account. They have NOT provided me any papers, proof or any legible reasons as to why and how they are still affectively reporting these illegal accounts to my credit report. I am not stupid and I am not naive, so they need to stop treating me that way. I can not allow this to continue, I am so tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax got hacked and took 1 month to tell us about it. All of my personal financial information is out there in the open. I ca n't just change all of my account numbers. This hack is going to follow me around for the rest of my life. 

To top it all off, Equifax wo n't even give us lifetime credit monitoring. They give us a year, at most, if we agree not to sue them. I have to freeze my credit now, and these XXXX are making me pay for the privilege. Their incompetence is costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with ACI Worldwide, Corp. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX ACI /XXXX , XXXX . 
{$350.00} Contacted XXXX , XXXX. and requested this debt be removed from my information. I was told it was from XX/XX/XXXX. Advised representative that I have never had a credit line through XXXX and only opened a XXXX account that is attached to my bank account in XX/XX/XXXX. Was advised it looks like fraud. No info on what they are doing to resolve issue .. XXXX , XXXX. And ACI seem to be running a scam because there is a message board with tons of complaints about this. 

ACIs phone number is ( XXXX ) XXXX PayPals phone number ( XXXX ) XXXX Please inform

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Recently received in the past week a personalized card from XXXX XXXX with my name that I did not sign up for or have any affiliation with. I tried contacting the company multiple times and through multiple different numbers and every time, I am prompted to enter my social security number. I am unable to take any action with this unfamiliar card including cancelling and reporting without giving them this information. I am worried that the company has my information and will affect my credit report. Also I was unable to cancel it on their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account listed from XXXX XXXX Bank that does not belong to me, as well as a collection account from XXXX XXXX for the same account as above. This is not my account and I want them removed. I also want the address associated with these accounts removed, as well as other accounts associated with XXXX XXXX XXXX XXXX XXXX, TX XXXX as I have never lived at this address, nor have I received mail to this address. Please have remove account 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 non-monetary relief
Consumer complaint received 10/18/2016 about Debt collection (I do not know) with I.C. System, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've sent letters to this agency to verify this remark on my credit report. They have not sent any verification and it remains on my report.

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 Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Fraud or scam

Complaint: on XXXX/XXXX/17 I sent a Money Gram to a XXXX XXXX out of Kansas city Mo. For an SBA grant program. The name of the person who told me to send {$300.00} via money gram is XXXX XXXX XXXX out O, Oregon ( not sure of the city ), XXXX XXXX XXXX pick up the money and ask me for more money the next day the amount {$850.00} which I did not send. After I ask for a refund he would not comply. Finding out that this was a scam through Faceboook ( other person involved is XXXX XXXX of Oregon also. 

XXXX XXXX XXXX claims that he works for the SBA Federal Grant Program, Which helps people pay their bills. All I need is help so that I can get my money back and also file a report with the FBI. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Student loan (Non-federal student loan) with Dynamic Recovery Solutions, LLC (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid off a XXXX XXXX loan in 2010. I have all the paper work showing it has been paid off. However, every year I have a different company contact me about this debt. I have continued to forward the paper work ( including : bank statements, letters and account numbers, etc. ) all showing it has been paid. How do I get these companies to quit contacting me, when I have already settled the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed a collection debt on my credit reports and I disputed it because I had no idea what it was for. I received the dispute status back from the credit reporting agency and was informed that the debt remained. I contacted the company Central Financial and was informed that it was a bill from when I was XXXX. I informed the representative that they should have billed the insurance and then my Health Savings account that I provided to them in the ambulance and at the hospital prior. Somehow either the original hospital I went to did n't forward the information or they did n't bother to request reimbursement from the savings account credit card but instead they just sent it to collections. I never received anything contrary to what the company is stating. They are completely lying about sending me anything to show what the debt is for and ca n't even explain why they did n't submit the balance to the credit card/HSA card that should be on file. When I explained to the girl that I was willing to make a payment and take care of this bill but that they needed to delete it from my credit reports in return she informed me that they would n't. I informed her that it gave me no incentive to pay for it then so unless they remove it from my credit report then I would n't pay it at all. It 's not causing me any issues right now because it 's the only negative on my report and due to them not billing it correctly in the beginning, I now have to deal with this. I am willing to pay this bill now if they would agree to delete it from all XXXX credit reports that they have sent it too, otherwise it will delete off my report in another 5 1/2 years and I wo n't be paying anything. I do n't have a job at this time so I do n't have an income to even pay this bill, but I am still willing to take care of it thru my HSA account to get it removed from my credit report. They have to give me something in return since this is due to the practices of both XXXX XXXX and Central Financial Control who have both been in trouble for their billing & collection practices. This bill was actually incurred supposedly during the same time period that they were fined for and I should have been notified of the lawsuit against them.

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 11/23/2015 about Debt collection (Credit card) with U.S. BANCORP (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A debt collector by the name of XXXX XXXX XXXX in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX suit us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the XXXX suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see complaints # XXXX against the XXXX collection agency and # XXXX against XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but XXXX XXXX XXXX refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to XXXX XXXX XXXX who told us the home was charged off and we did n't owe anything. Then we received notice from NationStar saying they had the loan now. We disputed the validity of this debt. MationStar at one time agreed that XXXX XXXX XXXX should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now NationStar is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including XXXX XXXX XXXX and XXXX XXXX ) that foreclosed on homes and should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Struggling to pay mortgage

Complaint: Good afternoon, I have been trying to resolve my foreclosure issue with Bank of America, since XXXX of last year. They have been continually misguiding me and, as of recently, flat out lying to me. 

I have submitted numerous documentation, numerous times. I have been dealing with XXXX XXXX - single-point-of-contact - and also his manager XXXX XXXX. Neither of these individuals have been honest or even helpful with me whatsoever! 

On the XXXX on XXXX, I was asked to submit a signed XXXX  XXXX form ( which I already did ( and letters of employment for my fiance. When I called to follow up on this, on the XXXX, XXXX XXXX informed me that the XXXX form did not have a signature. This is a flat out li I am resubmitting the requested documents again today, but I need your assistance with them. 

Another very egregious act on behalf of Bank of America they are Dual Tracking my foreclosure. My file was sent to Underwriting, reviewed and labeled 'Complete, ' on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Bank of America went to court and filed a Motion for Sale. I've done a little research on this. Please assist with this 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 non-monetary relief