milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, Equifax and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} Equifax shows both XXXX accts the same as XXXX but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Medical) with Southern Oregon Credit Service, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a few medical debts that i have been paying on since 2012 and the balance will not go down.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was told that it could be wiped off and consolidated but they just kept putting it in forberance and adding interest every time. I 'm a single mom with no income at the moment. I have n't worked in a long time. I have explained this numerous times to them and was told it would get taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (PA).
Issue: Managing the loan or lease

Complaint: Charging late fees with no reason : Payments made on time claiming excessive and unfounded late fees.

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 05/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: My car was total due to a car accident on XXXX/XXXX/2015 and my insurance company sent a check to the finance compy. I was told that I did not owe anything on my loan that the check paid off the loan..now they are requesting me to pay XXXX to pay the loan off. I chatted with a rep online who advised me that my balance before the insurance sent them a check was {$4500.00} and the payment sent in from the insurance compy on XXXX/XXXX/15 was {$4400.00}. That leaves me a balance of $ XXXX..yet they want me to pay {$490.00}. I refuse to pay this amount because I think that they are overcharging me. When I look at my account online I do not see any payment for {$4400.00}. The online chat person stated that they applied the payments to my loan in XXXX separate payments totalling the amount of {$4400.00} and typically the payment is applied to interest, principal, and then fees. So I asked him what is the balance of {$490.00} is for? Was it for fees? He stated that there are no fees associated with my account. So why am I having to pay {$490.00} instead of the {$120.00} that should be left on my loan. Please help me since this affecting my credit. I am a senior citizen, XXXX woman and I think that this finance company is not applying my payments correctly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted a request regarding specific over-payment instructions to FedLoan Servicing ( myfedloan ) and received a generic email response back. Not only did they not acknowledge my request, but they did provide additional information on how to service it. I followed the advice seen here ( XXXX ) in regards to providing specific over-payment instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX XXXX on XX/XX/17 and asked them why they accessed by credit file on XX/XX/2017 and why they have put a Hard Inquiry on my Transunion credit file without my authorization they transferred my call around and I got no reply.

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 12/17/2015 about Consumer Loan (Installment loan) with ZIONS BANCORPORATION (NV).
Issue: Managing the loan or lease

Complaint: I closed my Nevada State Bank checking account, but still have a credit card with them. The NSB teller closed my online banking account at the same time without my knowledge. I 've been unable to receive credit card statements by email or mail. I called multiple times asking them to send me a bill, but they could not help me with my request. Why ca n't I get a bill mailed to me? How hard is that! As a result NSB has now charged me late a fee. Since I have NO bills of any kind, I do n't know what I 've paid in late charges. Please help me Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Debt collection (Payday loan) with Weinman Acquisition Group (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was informed that attempts were made to serve me with documents but attempts failed. That I am being sued for an outstanding debt with XXXX. I contacted XXXX and they have no record of my name, phone number or social security number. I was sent to different departments at XXXX to investigate this thoroughly. Next communications with XXXX at Weinman Acquisitions lasted for 7 minutes ( XXXX ). During this call XXXX became agitated and frustrated with my questions for clarity and requests for documentation of this debt. He said he could email me the documentation and I gave him my email address which he then read back to me correctly. After an hour passed without receiving the document I called Weinman Acquisitions again and spoke with XXXX. He informed me that the file is out of his department and he sent the request for the email in but that 's all they can do. I told him he never told me that the email was a request. He said it would be sent to me. This agitated him more and I told him I was n't understanding and he said that he got that. He became condescending and hung up. I called multiple times to get the information I needed until he finally passed me on to someone who said I would receive an email in ~20 minutes. It has been 24 hours and I have not received any emails. At no point did they request my mailing address to send me documents, nor did they disclose an amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to do a short sale on my home in order to avoid a foreclosure, at this point I along with my realtor have done everything that Select Portfolio Servicing " SPS '' asked of us. 
We got a cash offer for XXXX. SPS 's XXXX. shows non comparable properties that are located in a different and more expensive neighborhood " my house is the second largest in my neighborhood '', which are XXXX TO XXXX above value. My realtor who has over fifteen years experience in this area sent comparable examples in the same neighborhood showing the accurate value, but these have been ignored. There is a foreclosure sale date scheduled for XXXX XXXX. I received a letter from SPS dated XXXX XXXX stating I would have an answer in fifteen business days which is today XXXX XXXX. My realtor speaking on my behalf called them today to inquire as to they 're decision, they said we would be told by the end of the month. 
When we mentioned to them that we would be contacting the CFPB they said we would have an answer by next Wednesday " XXXX XXXX ''. 
At this point I fear that SPS will turn down the short sale in retaliation to my complaint. 
Please help me to resolve this matter so that the buyer does n't walk, and I do n't have my house foreclosed. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with Murphy Law Office, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This debt occurred from a XXXX XXXX XX/XX/XXXX. I tried working with XXXX XXXX XXXX as I am on XXXX XXXX XXXX They suggested XXXX XXXX that I did not qualify for. I explained I would try to send in payments when I could, however being on fixed income and all incoming medical bills the payments were not as quickly as they wanted. They then sent debt over to XXXX XXXX. I contacted them on XX/XX/XXXX to explain situation and ask for financial assistance and did not receive anything. Then this went to XXXX XXXX XXXX XXXX XX/XX/XXXX. We again contacted them and tried to send in {$5.00} payments when I had the available money. XXXX then sends to : Murphy Law Office in XXXX, Ohio phone number : ( XXXX ) XXXX. 

I contacted this law office, spoke with one of the attorneys, who very rudely told me I was n't paying enough. I again explained situation and told them I understand the debt am trying to pay it but do not have the funds to pay this debt in full and will have to send payments in. Murphy Law Office has  continued to call my cell phone, if calls are missed they refuse to leave msgs and when I call the office back I 'm getting a voice mail. I have left SEVERAL messages on the office voice mail to again try to work out payment arrangements. This last time I left a msg was XX/XX/XXXX because we sent a {$10.00} payment to the office. We have no form to submit with the payment. Have asked repeatedly how this should be and how applied and they refuse to contact me or have not cashed this check. The attorney or employee I spoke with was extremely rude and arrogant and threatening. There is no reason to act that way or threaten me. 

At this time I think we need a mediator as I do not have a job, have a XXXX at home and trying to provide a roof over her head. This harrassment and threatening action is uncalled for as well as unlawful collection. I would like the company and situation reviewed please.

Company response to consumer: Untimely response
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 am a  XXXX   XXXX  percent  XXXX   XXXX  an having trouble with Equifax. I submitted the  XXXX  to them to have a collection removed. When I called they told me to fax it to them as I did and was told it would be removed in   XXXX   XXXX   hours. I wait  XXXX  days and it was still there. I called back and then they are refusing to remove it and saying they will just keep it in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Well I never lived in XXXX florida I 've live at XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XXXX to year XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and XXXX continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: My address with equifax along with the other credit bureaus was updated in fact my address was updated on XX/XX/2017 and all fraudulent addresses was deleted. I currently monitor my credit very closely due to being a victim of identity theft so I got a alert this morning stating my current address was deleted and the fraudulent address was add back on I contacted the company and was on the phone for 2 plus hours with no result they said my current address was never on there they never changed it and I did n't send in the documents to have it changed which I did I am enclosing picture proof they will not change my address back to my current address and remove the fraudulent address my current address is XXXX XXXX ca XXXX I also am sending the info I sent them when they updated my address on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was a victim of their inquiry removal and reinsertion without a 5 day notice reinsertion letter per FCRA. 

The following inquiries were reinserted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 04/19/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: BBT Personal Acct # XXXX for XXXX XXXX XXXX. 
SSN:XXXX My account was charged off by BBT Recovery Charge off Dept.I called in I asked them whether or not I could take care of my checking account negative balance.They told me that I had til XXXX to pay it off.Which was a lie.They charged the account off about 3-5 days later.I could have gone in paid off the account and my account would be still open and available to me.They have reported me to XXXX.Which is a Fair debt practices reporting Act violation.I would like to be removed asap from XXXX XXXX.I am requesting and encouraging a full investigation by BBT and CFPB.This is a serious matter.Thank you much in advance.I really appreciate it. 

Please reference notes from the charge off/collection/recovery dept.It will tell everything that happen.When I talked to this dept.

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 12/17/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: What you are doing Equifax is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Equifax , you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Equifax you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Equifax for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

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 05-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My XXXX account was discharged in a bankruptcy XX/XX/XXXX. It showed up again around XX/XX/XXXX on my credit report ( Trans Union ). XXXX reported a derogatory amount of {$600.00}. This should be removed since it was taken care of in XX/XX/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