milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I contacted Experian and spoke to a gentleman regarding some fraudulent inquiries on my credit report. I explained that yes some of the inquiries are mines however many are not. The gentlemen that I spoke with told me that it was close to them closing and that he was unable to assist me at the time. I am very upset regarding this information that the agent was not willing to help regardless of the time I reached out. I asked if they can be removed immediately or at least investigated to be removed. He was not willing and I need the information that fraudulently appear removed IMMEDIATELY. The following information/inquires are not mines and I have no knowledge of the information. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX XXXX XX/XX/XXXX 14. XXXX/XXXX  XX/XX/XXXX 15. XXXX/XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XX/XX/XXXX 21.XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX I have previously explained that I have been a victim before and know that my personal information is still being used.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (NY).
Issue: Trouble during payment process

Complaint: ON XX/XX/XXXX I MADE AN ADVANCED 1 MONTH PAYMENT FOR MY MORTGAGE TO GO BI-WEEKLY. TRANSACTION # XXXX  TEL ID# XXXX IN THE AMOUNT OF $XXXX. SINCE XX/XX/XXXX I HAVE BEEN RECEIVEING THREATENING LETTERS AND PHONE CALLS FROM PNC BANK THAT I HAVE BEEN DELINQUENT 1 MONTH BECAUSE THEY NEVER RECIEVED THE PAYMENT IN QUESTION. I HAVE COMMUNICATED AND FAXED OVER MY BANK STATEMENTS SHOWING PROOF OF THE PAYMENT WITH THE TRANSACTION NUMBER AND NOW IN XX/XX/XXXX THE HARRASSMENT AND LETTERS HAS NOT STOPPED. PNC BANK IS UNWILLING TO FIX THEIR MISTAKE THEY ARE CAUSING MY FAMILY AND MYSELF UNDUE STRESS THAT I MUST CONTACT YOU FOR HELP.THANK YOUXXXX XXXX (XXXX)-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested my information several times in the past few months. I am unable to get my free annual and on transunion site, they do not allow a credit report without signing up for monitoring, which I believe is illegal. I have some errors on my credit profile and I want the ability to correct them online with transunion

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 01-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was sent a notice on XXXX XXXX, XXXX by Fedloan Servicing advising me to send my recertification paperwork ( income and tax information ) by XXXX XXXX, XXXX for my upcoming payment plan for the next year. I sent the required information on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX I called Fedloan Servicing and asked when it would be processed. I was told that the application would not be processed until after my XXXX payment was sent out. 

I was told that their policy was not to process the application until the XXXX payment was sent out despite having all the information to make a determination now. I advised that waiting until the last minute to process could result in further delays thus forcing me to have to use deferment and forbearance months if something is wrong with the application. 
I was told by Fedloan Servicing that this is their policy. After pushing, I was then told that it is Federal Policy. I asked for the Federal Law stating such and was met with silence. 

I would like my application processed within a reasonable amount of time. Waiting until the very end of my current plan is unacceptable and opens the door to a forbearance ( capitalized interest ) or deferment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I fought this medical debt over a emergency XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Private student loan) with SLM CORPORATION (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I do n't have reliable cell service and my calls get dropped frequently. I need to find out if I qualify for any deferment or forbearance options because I ca n't afford to make the monthly payment and my co-signer ca n't either. The only other way your website allows me to contact you is through mail : If I chose this option I will be past the due date for the loan while waiting for a letter. Here is a link to your website that shows this, https : //activitycenter.salliemae.com/ContactUs/Show Why do n't you have an email address on your website so that people can contact you this way? I thought this was an option in the past. When did this change and why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at first I was in legal trouble. It come to find out the Cash Store contacted a collection agency called XXXX XXXX XXXX at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every XXXX weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CO).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Daily calling of my cell phone using multiple phone numbers at XXXX.. My cell number is new, they apparently are looking for the previous cell number owner about some debt and despite numerous requests they have not removed my number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed with Experian and XXXXthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

Medical have been disputed also

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 05-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had an original loan with XXXX bank.it then became XXXX XXXX bank. the loan was then old to Specialized Loan Servicing ( SLS ) in XXXX XXXX that is when the problem started. I had asked for a repayment plan for the {$1400.00} I was behind. XXXX bank told me all the paperwork for the repayment plan would be forwarded to XXXX. I have been waiting close to two years now for the re-payment plan. I missed another payment but they kept telling me to submit a packet of forms that were for re-finance. after at least XXXX packets, they still did nothing. they keep saying " we are reviewing the forms '' or we need more information. I never asked for a re-fnance. after waiting all this time, about a month or so ago they added on some type of " escrow fee '' for over {$5000.00}. then on my most recent bill they added even more.they gave no explanation for either of these fees. now the bill is over {$13000.00}. I have no explanation as to why. then a few days ago I received a letter saying I had thirty days to dispute the claim, they are trying to do a foreclosure. the back fees due according to them are about {$4000.00}. where they are coming up with over {$13000.00}, I have no idea. there was no prior letter sent. I only received XXXX letters saying I was being assigned a new case manager. 
no mention of foreclosure or why all these other fees were added to loan. I have equity in the house, so I am not understanding why they did not just add the overdue to the loan and refigure the payment amount. it was just that simple. 
I am not the only person having this problem with this loan company. I have the lawyers at XXXX XXXX XXXX, XXXX working on a class Action Lawsuit. there are many comp many complaints against this company. I hope someone stops them from doing this to people.

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 03-02-2017 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There was identity theft and my identity was compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
Discover Card did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " ALSO XXXX '', " ALSO XXXX '', " ASLO XXXX '', XXXX '' and Discover Card. 
Payments were made and reversed by above mentioned company " ALSO '' using my identity information and accesses my account to fraudulently reversed payments and embezzled.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Ok, so neither my XXXX nor XXXX XXXX ( XXXX ) card, both XXXX XXXX backed, were being updated on my Equifax credit report. These account would update every month on both XXXX and XXXX but around 6-8 months ago they both stopped updating on Equifax , the only way I could get them to update was dispute, which would take 30 days to get them to update then the information would be out of date again and I would have to start the process all over again. This should not be the case. I contacted both Equifax and both XXXX XXXX ( XXXX ) and XXXX ( XXXX ) and all of them passed the blame onto each other. XXXX and XXXX blamed and Equifax said they never received any information. So basically everyone was passing the buck and no one wanted to take any responsibility nor help resolve the issue. My last conversation with Equifax rep stated nothing they could due to get them to report accurate information other then disputing which I really did n't want to do as it does n't resolve the bigger issue but I said ok. Now 30 day 's later my 2 years of positive credit history with XXXX card has been removed from my Equifax report. This is unacceptable and I want this problem resolved permanently, and as I have had no luck with either of the companies, I am turning to you to hopefully get something done. This is a violation of my rights under FCRA as accurate information is not being furnished to my credit reports which has affected me in my credit approvals for the last 8 months. I want to buy a house next year and ca n't have these people screwing around with my credit reports. Please help me fix this. Also this dispute was not initiated by me, it was the Equifax rep who did it, so I have no idea how he coded the dispute, if it was coded anything other than verifying balance/credit limit etc then he did represent our conversation nor the issue I was calling to resolve. This has been an ongoing terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Closing/Cancelling account

Complaint: XXXX established a relationship with GE Capital for what is called " PayPal Smart Connect Debit Card '' ( MasterCard ). I was given a {$300.00} credit limit. The relationship was transferred XXXX to Synchrony Bank XX/XX/XXXX. Hence, the new company has instituted policies that undermine the original relationship with GE Capital. 
My complaint is that Synchrony Bank without written notice XX/XX/XXXX changed my credit ceiling limit down to the exact amount of the unpaid balance of {$130.00}. I use the card for Business & Personal expenses and it is tied to my Social Security number as a Tax ID. Thus, they used my credit report to make the decision. As a result, I closed the account and forfeited my privilege of credit towards my XXXX purchasing. I feel the decision was unfair because I had no payment delinquencies. Now Synchrony Bank is still demanding the minimum {$25.00} monthly payment on a CLOSED ACCOUNT. I intend to pay off the balance, but do not feel there should be a penalty ( late fee ) or demand of {$25.00} since the account can not be used and this is just to payoff a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Other mortgage) with Lend Smart Mortgage, LLC (AZ).
Issue: Settlement process and costs

Complaint: I worked as loan officer/branch manager for LendSmart mortgage in XXXX AZ. 
They did not pay me my comp plan, they were charging me for " branch " expenses and pay me what was left over .They were running NET branch which is illegal .When I tried to resolve that with them they emailed me that they would not pay me what was still owed to me and they did not even 6 months after I resigned. They also requested in order to be paid what was left over to sign agreement that I am waiving my right to come back and ask for even adjustment if numbers were not correct. At that point I did not sign anything because their accounting was horrible and they had mistakes pretty much on every pay period .They would not pay me and after we " resolve '' discrepancy it will be another reason for not paying. I did not want to sign agreement because I believed what they did was not right and by rules but they were ones that holds my paycheck and they could do anything they want. This company simple should not be in business at all. They also when I resigned email me that if I do not sign same paperwork they would not pay me at all due for me breaching a contract and violating some rules even they never write me up fro anything and never told me about that either until that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation