milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  XXXX   XXXX   XXXX .  XXXX    XXXX   XXXX   purchased my mortgage from  XXXX  financial.  XXXX    XXXX   XXXX   never advised me that they would be re pulling my credit

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Main address XXXX XXXX XXXX, XXXX XXXX XXXX, Ar XXXX Previous XXXX XXXX XXXX XXXX, XXXX XXXX, Ar XXXX Incorrect address are being reported. I fax information and contacted them by email Equifax .Photo and one the my 2 previous job W2 forms. That 's show address My name is incorrect and I ask all for all inaccurate mis spelling name be removed. As I go. XXXX XXXX XXXX ( previous ) XXXX XXXX as current name. I fax over information and they mess up my reporting over worse than before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (MI).
Issue: Trouble during payment process

Complaint: Dear Staff, Greetings and thank you for your service. This transmission is to report that the original complaint # XXXX was not resolved. The issue and problems from the original complaint is way beyond the {$22.00} late fee indicated. To recap, in the fall of XXXX, Ditech Corp. indicated there was a {$900.00} shortage in the escrow account connected to my mortgage. This caused an increase in the mortgage payments from {$1000.00} to the tune of {$1100.00}. Ditech Corp. paid {$4900.00} in property taxes to the municipality erroneously, when the correct amount was under {$3300.00}. Subsequent communications with the company, by phone and in writing revealed that the company was not applying entire mortgage payments to the account ; between {$790.00} and {$930.00} was, and is, still being held in abeyance by the company. The company continues to send me default notices and invoices demanding amounts of {$250.00} and over {$2000.00}. The most recent communication from the company is a new escrow statement dated XXXX/XXXX/XXXX demanding more money due to a shortage in the escrow account of over {$900.00}. The new monthly payment is projected to be {$1100.00}. Please note, no mortgage payments have ever been missed. All payments have been made in accordance with the terms of my grant from the State of Michigan Step Forward program. I do n't owe any extra money. My property taxes, nor hazard insurance, has increased. The original error from the winter was never corrected. My monthly mortgage payments are still being split between payments. Invoices issued by Ditech to me indicate I 've missed two monthly mortgage payments when this is not true. Unsolicited loan modification papers and threatening letters continue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am currently enrolled inschool, I was told that I had to begin paying my stident loans last XX/XX/XXXX. I am only making {$XXXX} a year and I can barely afford to stay afloat. I have asked for payments that I could afford they are charging me {$380.00} a month which is the lowest they were willing to go. I am barely living, I have askedd for other alternative, and they state I can pay interest only for {$310.00} a month and then my payments would go up after 18 months to over {$600.00} a year. They are n't taking all my debt into a coun and it is truly causing a financial strain to ake my payments each moth, I just feel that I am all out of options and stuck. Also when I advised of my hardship the rep just pulled my credit report without my knowledge and then just started getiing an attitude with me when I was only trying to work out an arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
XXXX XXXX XXXX This account is not mine : My ex-husband stole my identity in XXXX and opened accounts under my name. Judgment was removed and reinserted without notification within 5 business days. I will write an affidavit if I have to. Please remove this! 
XXXX XXXX My account is on auto-pay ; I was never late State of MDXXXX XXXX Account paid in full back in XXXX - should not be a collection! 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I was never late & I did n't lose my card ; please remove the status & update the account Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX This is resulting from identity theft : I have disputed this for 5 years. I cancelled services because I moved and the people who moved into the residence obtained services under my name without my permission. I was told that I am responsible for the bill and I am not- I did not authorize it - it is identity theft and I will sue them if I have to. Creditor fails to remove this or assist.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I received an email stating my results are ready and to access them within XXXX days from XXXX but have been unable to do so. In addition to their provided Report & ID number, I was to enter my ssn, state, and zip code. The entered values are accurate and should all access to my results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Customer service / Customer relations

Complaint: Back in XXXX of 2014 I contacted Bank of American in regards to XXXX payments I made. I made a payment in XX/XX/XXXX and then the following month in XX/XX/XXXX. I was told the payment was XXXX days late. I am very upset because I been a loyal customer with Bank of America for XXXX years and I have never been late on my credit card bill. And I always pay my bill before the due date. They did nothing to help me and they told me I was late. I told them I was not I asked them if they could remove they late fee or reverse it and they told me no. As a loyal customer they should have done it anyway. I have an excellent bill history with them and they did nothing to help me and were very rude as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX XXXX, 2016 my report was shared with XXXX XXXX XXXX, XXXX XXXX on behalf of XXXX XXXX XXXX XXXX without my authorization. The inquiry is scheduled to continue on my record until XXXX 2016. Experian 's sharing policy ( attached ) does not grant authorization of this type of sharing without consumer 's authorization.

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 11-09-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Closing/Cancelling account

Complaint: Account was closed previously but lists as open on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Federal student loan) with ConServe (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I previous ply advised the collection agency that I am not allowed to receive personal calls at work. I never gave them my work number for that reason. The collection agency somehow found my work number and still contacted me there even though I had previously advised them it was against company policy to receive those types of calls at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Trouble during payment process

Complaint: My loan was tran sferred to Specialized Loan Servicing in   XXXX   XXXX .  SLS h as failed to honor the payment amount that  XXXX   XXXX  had in place while they serviced my loan. My payment amount was {$2600.00}.  SLS says that my  payment is over {$2600.00}. This is clearly wrong.  <P/> In addition,  XXXX   XXXX  ran an escrow analysis in  XXXX   XXXX , and my payment adjusted. When the loan transferred , SLS failed to honor the escrow analysis, and ran another analysis. The payments increased again, and I  was given limited help in having this issue rectified.

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 07-11-2016 about Consumer Loan (Vehicle loan) with Home Loan Center, Inc. (FL).
Issue: Shopping for a loan or lease

Complaint: Went to lendingtree.com and checked on auto refinance rates. Provided our name, address and phone number and current auto loan interest rate and amount currently owed. Then the next day MANY companies pulled our CREDIT Reports. 
We DID NOT Apply for Any Loans with any company. We DID NOT Authorize unknown companies ( never heard of them before ) to pull our CREDIT Reports. 
This is a SCAM that has hurt our credit and we DID NOTHING Wrong and did NOT apply for any loans with anyone. We have contacted the credit bureaus ( XXXX, XXXX and XXXX ) but they give us excuses and are all hesitant to start disputes for these unauthorized credit inquiries. Our credit score is lower now due to all these Unauthorized Credit inquiries. This is VERY SERIOUS. Someone needs to Help and not allow companies like Lendingtree.com to allow lenders they associate with to be able to pull credit reports without AUTHORIZATION. If we DO NOT apply for a loan then our credit information is PRIVATE and any fly by night company should not be allowed to pull credit reports. Each time a credit report is pulled we loose XXXX points on our credit scores. So if Lendingtree gives out information to say XXXX companies and they all pulled our credit scores then we would loose XXXX points on our credit scores each. This is horrendous since it takes forever to improve a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed innacuracies/ out-of-date information on my credit report with Experian XXXX and they responded by updating the activity on my accounts to XXXX and lowering my credit score, not taking anything off. I disputed the same information with XXXX and they took everything off, rightfully. I have a judge 's decree that most of the debts I am disputing are not mine. The ones that are mine are from 2007, over 8 years old, yet Experian continues to report them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Debt collection (Medical) with JMD,LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: High Desert Creditors is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. The account is a medical bill for my daughter that I dealt with the medical provider many years ago. It is from 2007. I contacted High Desert Creditors and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false and misleading to anybody who may be considering lending me money. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX, and FDCPA Section 806.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not been contacted by the company or received any validation of debt. I have attempted to contact this company multiple times to request validation of debt that is supposedly owed. This company also operates under SYndicated Office Systems. On XXXX report, they will report the account under Central Finance COntrol and another report they would report under Syndicated Office Systems. This company uses inaccurate addresses on the credit so that a consumer can not contact them to requested documentation for the said debt. Multiple attempts have been made where the company has recvd my certified letters and no response has been given to me. Some attempts have been made and my certified letters have been returned. I have given this company more than enough time to provide me with the proper validation of debt with no response and no documentation. I am requesting this company removed their accounts and their partner Syndicated Office Systems from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (VA).
Issue: Confusing or missing disclosures

Complaint: We have a Pay Pal Account we use for credit card transactions for our business ... on XXXX XXXX our customer made a purchase for a rebuilt transmission totaling XXXX. In XXXX he lied to his credit card company stating he did not make this purchase ... I sent documentation to Pay Pal who assured me they were working for OUR BUSINESS and to rest assure we would not have to pay this money back ... I have NOW found out after numerous phone calls to Pay Pal and asking to speak to a supervisor and being told they would call me back ... it has been turned over to collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our latest mostly statement shows a deferred p and I in the amt of XXXX and when I called and asked what this was about ditech could n't tell me and said it was a mistake and to disregard it. When I asked for something in writing stating what they had just told me for my records I was told that they could n't give me anything in writing only that it had been noted in our acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (FL).
Issue: Managing the loan or lease

Complaint: I have XXXX issues with Summit but was only able to select XXXX issue below. I purchased a vehicle from Summit Financial XX/XX/XXXX. I 've never paid a payment beyond 30 days late until XX/XX/XXXX as I had became unemployed. I missed that payment and it has been affecting my credit ever since, I requested to have this payment deferred but they were unable to work with me in addition I 've sent letters to Summit requesting a resolution but they are continuing to report the late payment to the credit bureaus. In addition, I was recently informed that my loan was a interest bearing loan with 18 % interest rate and I was not informed of this during the sale or my many times talking to the agents at Summit Financial. I became curious as to why is my balance is still over XXXX when I purchased the car in XX/XX/XXXX for XXXX and my payment is $ XXXX/month. The value of the car in currently XXXX. I 'm unable to trade or refinance this car in as I 'm upside down, I want to find a resolution to get rid of this car as well.

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 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I pulled my credit report and there was an account from Equifant which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account does not belong to me. 

XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midland Credit Management , Inc. To Whom It May Concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$1800.00} and last delinquency reported XXXX XXXX, XXXX, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to multiple letters I sent and which you signed for, on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By not replying in a timely manner to my initial letter you signed for on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company response to consumer: Closed with explanation