milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i contacted Equifax online and filled out a dispute about a reported account in collections that is not mine. when i submitted the form they said they cant process it. they stated that i had loans out in the multiple choice questions which i checked 'none of the above '. i have never had loans out. they said that the information did n't match their records and prompted me to fax my drivers license. they did n't give the option to email a copy. im very tired of getting the run-around. attached are the disputed reports. the collection agency said to dispute it with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX separate accounts listed on my credit report. XXXX is a loan issued by XXXX and the other is a medical credit card issued by XXXX Bank. I have disputed both of these accounts. I never received a loan & the medical card was issued to my mother. Both accounts have now been sold to a Midland Funding , LLC & they call at all hours of the day & night and start yelling as soon as I answer. They call while I 'm in school. I 've told them the accounts are not mine and I 'm not sure how they got my phone number as I 've never applied for them. I was in High School when the loan was issued & I 've never had more than a part time job between semesters. I 've tried to explain this to them but they wo n't listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Customer service / Customer relations

Complaint: Bank of America did not properly credit my account with a telephone payment. My payment was made on XXXX/XXXX/15 and my account was not credited until XXXX/XXXX/15 and only after I made at least XXXX phone calls and scheduled a meeting with my local branch. 
During the 2 week period I was seeking resolution :1. I had to endure long hold times. 
2. I was treated by rude customer service reps, including XXXX supervisor who told me to stop calling or I would just delay the process. 
3. At least XXXX calls were disconnect so that I had to start the process over again. 
4. I got calls and e-mails advising that my account was overdue. 
5. A hold was put on my account, a fact that I discovered when I tried to use my card and was told by the clerk at the point of sale that my card was declined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Trouble during payment process

Complaint: I have a mortgage with Mr. Cooper formerly none as Nationstar Mortgage. I frequently send in money towards my principal balance on my mortgage. On XX/XX/XXXX, I sent in a check marked specifically to go towards my principal in the amount of {$1700.00}. 
The check was posted as a regular payment. The regular payment is on Auto Pay and it is posted every month from the banking account. I have contacted Mr. Cooper several times starting XX/XX/XXXX when I got a statement showing they put the money as a mortgage payment. Spoke with XXXX, she said it would be corrected in 24 hours. It was not. Next, I spoke with XXXX, I was told it was denied when the request was put in because the regular payment had not come in through the auto draft. On XX/XX/XXXX, I spoke with XXXX, she said it was denied again. I asked to speak with a manager and XXXX with Account Services came on the phone. She said she would personally handle the situation and gave me her personal number XXXX and asked me to call her on the XX/XX/XXXXafter the auto payment had posted. TheXX/XX/XXXX being a holiday, I called her on the XX/XX/XXXX at XXXX. No one answered the phone nor did a recording came on. All the numbers I have called for Mr. Cooper, No answer. After going through all the prompts I have been on hold for 30 min, then a recording say do to weather this number is not set up to receive calls. XXXX, this is the number on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I am writing to dispute a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that any finance and other charges ( including late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting to the Credit bureaus because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) ) and related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of my credit report, and credit card statements supporting my position. 
Please investigate this matter and correct the billing error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (VA mortgage) with K. HOVNANIAN AMERICAN MORTGAGE, LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I Applied for a VA mortgage through XXXX Mortgage. A credit report was pulled on XXXX XXXX, again on XXXX XXXX and again later that month. I emailed and had a phone conversation with the person in charge of my file and told him to not run my credit report again- he told me by email he would not. However, it 's now XXXX and again my credit report was pulled without my prior knowledge. I fired off a email to him and his superiors and received a call that these reports should not have been pulled. I was told that 500.00 would be taken off my closing costs. I was also told that another report would have to be pulled prior to closing which is XXXX XXXX 2017- This is a VA loan and 5 credit runs in a 6 month build new home process is wrong and damages my credit. I was also emailed that these credit pulls hard not soft does not effect my score which is totally false. I am not satisfied with the explanation and told them that I plan to dispute with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am XXXX but I have a device to assist me with XXXX but I could not understand the gentleman 's name, I think he said XXXX, from Rent Recovery. I also live with a XXXX XXXX that requires me to have XXXX every XXXX months ; which compromises my job. 
However, XXXX of all, this guy continues calling what he thinks are relatives of mine regarding a debt that I 'm making payments on. I offered to resolve the entire debt but the collector is refusing to take a lump sum of money I currently have access to which is {$980.00} but I also said I can put an additional {$200.00} with the amount. I make payments of {$25.00} a month but when I have to see my doctor to pay for XXXX, I sometimes I make the payment late. 
I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (PA).
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: An initial dispute of the items on my Chexsystems report was made on XX/XX/XXXX. Included in the results of that dispute was an account for XXXX XXXX XXXX showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

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 12/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My bank closed XXXX of my accounts, and the reason was that I said a XXXX remark to the teller. I had my granddaughter with me, who is half XXXX, and would never say anything so rude. I ca n't access my cheeks or savings accounts. I was told that I had to wait ten days and will get my money as a check in the mail. This has been very difficult on me, as have medical issues. 
Any help will be appreciated, regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have an account with this creditor

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 11-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I made a payment to payoff XXXX loan from FED Loan Servicing. The date the loan payment was disbursed XXXX/XXXX/2013. On XXXX when I made the payment the balance was {$810.00}. When I logged in on XXXX XXXX, I have a balance of {$14.00}. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of {$14.00} that I made again today.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like to inform you that XXXX XXXX XXXX went to court and filed a civil suit and got an Abstract Judgment behind my back without sending me any affidavit or letters before and after court. I found out about this judgment on my credit report a few days ago and was shock to find out that the XXXX account that XXXX sued me for is paid and closed since XXXX, 2008, almost XXXX years ago. I never receive any notification about court neither in person nor in writing and they do that deliberately by not advising customers about court case so that way they could fool the judge with their scam and win the case when the case when there are no defendants present and that is fraud filing false civil cases against customers who have a {$0.00} balance on their account. I never take out any revolving accounts once they are closed so any revolving charges are fraudulent and done by someone who has access to my personal information. Please investigate XXXX XXXX because I do not believe they are legitimate or their practices are wrong and misrepresentation. They deliberately file cases behind customers back or not notifying customers about court hearing so they can bribe the judge and win without proof of account transferred to them or they bought it but still never send me a judgment after court either. They are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a credit report pulled with my financial institution and there was a social security number on it that does not belong to me.I went down to the social security office and they told me they do have an official person with this number and they are receiving benefits and he said this person must have made a mistake with spouses number and put my number in his information instead of his spouse 's and now his number is on my credit report from Experian I tried to call Experian about this and only got a recording.I would like this person 's number of my credit report.I looked my credit report over and all the information is correct so this is just a mistake on the benefits part but I want it off my report. My number is the top XXXX the wrong number is underneath mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am currently on the Income-Based Repayment program with my lenders ( XXXX, XXXX XXXX ) regarding repayment on my federal student loans. Due to my large amount of financial obligations for private student loans, my payments have been very low, approximately $ XXXX/month. Now Nelnet has increased my payment over 8 times to $ XXXX/month. 

I can not afford these payments and this new payment schedule does not accurately represent my income nor does it make it easy for me to repay a loan that I can not afford. 

I was not able to find a well paying job and recently my income dropped substantially when I changed employers. 

I need help. XXXX does not wish to assist me with this and so I am filing a CFPB complaint in the hopes that my IBR gets adjusted so that it accurately reflects my current income situation. They believe that my income is much higher than it is because XXXX is not considering private student loans which is a mistake that XXXX XXXX does not make.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to correct this problem with Equifax before having to file this complaint. This is something that I did not want to be but, now I have no choice. I have sent Equifax XXXX different dispute letters asking for validation of these accounts because, I know they are inaccurate. Each time Equifax just send me back that they have " verified that the account belongs to me ''. Which is clearly not what I have asked. XXXX are the accounts that I want Equifax to send me validation on or remove the accounts fully. 
XXXX XXXX {$100.00} XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX  {$99.00} XXXX UNKNOWN {$39.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX XXXX XXXX, a XXXX, and trying to move forward with the PSLF ( Public Service Loan Forgiveness program ). My loan has been bounced around from one loan holder to the next since I graduated in XX/XX/XXXX. While I have been on the required income contingent repayment plan and have not missed a payment since graduation, neither my current loan holder MOHELA, nor the Federal Student Aid Student Loan Support Center ( nor the US Department of Education ) have a record of the total number of months of my repayment. Because a new company ( MOHELA ) currently holds my loan, past companies who have held my loan no longer carry record of my months of repayment either. Due to lack of transparency in the sale of my loan from one company to the next, there is no way for me to verify my months of repayment for the Public Service Loan Forgiveness program -- this means that I may be paying unnecessary and excess interest on my loans for having tried to participate in the PSLF program since graduation in XX/XX/XXXX. 
I have contacted MOHELA several times looking for records. The last date ( and only one I have clearly documented ) is XX/XX/XXXX. 
I have contacted the Federal Student Aid Student Loan Support Center : the last date is XX/XX/XXXX. 
I have contacted the US Department of Education : the last date is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a strange name associated with my Transunion credit report. The name " XXXX XXXX XXXX '' is unknown to me.

Company public response: Company 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 (Medical) with AmeriCollect (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: I was billed for merchandise that I did not receive. Initially credit was issued for the charge. Now I have been recharged two times for the merchandise that I did not receive, and the credit card no longer responds or even recognizes my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I was making a purchase at the XXXX at around XXXX only to see my debit card was declined. I called my bank ( Bank of America ) to find out what was wrong only to discover the account was closed and they told me to call their risk department. The risk department were extremely rude!. They did n't let me speak and they could not give me a valid reason or good enough reason as to why they were closing my account just before hanging up on me. Prior to this incident i did not receive any phone call or letter in the mail or any kind of notice to inform me about them closing my account or even a warning that they are closing my account. The letter they sent me was dated on XXXX XXXX 2016 and the account was closed without my knowledge on XXXX XXXX 2016. The letter came in the mail on XXXX XXXX friday 2016. I have never been treated so unfairly and disrespectfully by a financial institution in the whole of america. Bank of america has to be the worse banking experience i have had. I had to XXXX my situation only to find out similar situations of them closing other people 's account with no valid reason, that 's how i came across the information for the Bureau of Consumer Financial Protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation