milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with AES/PHEAA (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Education Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In regards to account : XXXX XXXX Please be advised that your blatant disregard and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer have caused harm to me by seriously affecting my credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. 
Your offices have only provided me with partial validation ; your offices have not yet provided sufficient evidence that this alleged debt is mine. Provide me with a complete account statement printout, signed contract, a contract giving XXXX XXXX XXXX power to collect, and original creditor 's address and telephone number. 
I 'm sure you are aware of the consequences in violating the FCRA and FDCPA as well as the multiple violations your company is now responsible for, but not limited to : As per the 809. Validation of debts [ 15 USC 1692g ] ( : ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
813. Civil liability [ 15 U.S.C. 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: There was a hard inquiry on my credit history from XXXX on the date of XXXX XXXX, XXXX. XXXX XXXX I spoke with a representative XXXX around the time of XXXX, she then switched me over to XXXX XXXX XXXX. I explained to XXXX that I wanted to dispute a hard inquiry from this company off of my credit. He said alright but he would need the Credit Bureau to send XXXX a letter confirming that they would like to have this inquiry removed because they were n't able to send out letters. I then called the Credit Bureau XXXX TransUnion XXXX and the representative was very rude about helping me. He said there is nothing he can do about the situation, he needs XXXX to submit a request asking for this inquiry to be removed. I consistently tried to explain to him what the representative told me. I then asked him what should I do if they said they can not send out letters. I was then told that " I do n't know what to tell you that is your only option ''. I was not impressed and vary dissatisfied with the representative of the credit bureau.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized credit inquiries from XXXX XXXX from the following dates : XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CHASE BANK USA, N. A XXXX, 2017 XXXX 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a complaint against my mortgage servicer Ocwen Loan Servicing Inc. I have an FHA home loan with them and I got behind on a payment. When I was able to pay past due amount I sent it and they sent it back refusing my payment stating that the amount was insufficient. The amount I owed then started from {$900.00} to what I owe now {$18000.00} and this amount has continued to grow. They have recorded a default on my loan and I feel strongly that they are trying to take my house. The bank will make money on the insurance that is on my loan if they foreclose on my house. They have repeatedly and I believe deliberately stalled on modifications of my home loan. I am seeking assistance from counseling agencies to help me keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax sent me a letter thanking me for reaching out to them to file a fraud alert, but I never ever asked them to put that alert on there, in fact, I spoke to them many times about incorrect information on my accounts but never about filing a fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: equifax keeps sending me results as verify and reporting correctly when the account needs to report otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Medical) with Arcadia Holdings, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My daughter received XXXX services at XXXX facility, I had paid the {$25.00} copayment. 
Insurance statements and credit card statements confirm I paid the {$25.00} copayment. 
I sent a certified mail to debt colletor with proof of payment. I kept record that letter was received by debt colletor. 
After sending the mail, debt collector keeps calling statign they have not received any certified mail, that I still how {$25.00} + interests. 
I had to sent a fax with all information again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Capital one Auto is reporting a car loan on my credit report that does NOT belong to me. I contacted Capital one several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

FEDLOAN SERVICING OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.

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 01/19/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Payoff process

Complaint: Made purchases based on no interest promotion. Paid regualrly. Made additional purchase based on no interest promotion. Believed long period of no interest based on promotion expiration of 2018. Paid regularly. One promotional period expired and the payments we believed to go toward first purchase pay-off, went to both purchases so balance left on first promo and ridiculous back amount and continual amount of interest has accrued -- {$500.00} on initial {$1500.00} purchase. In the midst of pay-ff to GE Capital, account changed to Synchrony Bank w/o our consent. This helped to mask the confusion! Is it a common trick? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have repeatedly tried to get Equifax ( to whom I pay for a credit monitoring service ) to correct my address. I have already mailed my driver 's license, SSN card, cover letter, several times yet they keep losing it or otherwise fail to update my information. What is more, the other two major credit reporting bureaus and my two banks and all my utility companies have the correct information on file. Equifax is negligent since they, out of all the other organizations, have the incorrect information. I am utterly sick and tired of mailing the information to them and dealing with them on the phone, to no resolution. Please help and please hold them accountable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX XXXX XXXX is reporting incorrectly on my credit report. They are purposely doing so to keep my score down to force me to be stuck with there ridiculous 18 perfect rate. I have called them over and over to straighten this out. I always paid this loan months ahead they applied money incorrectly to the princable and not the payments if you check the historical information of the loan and simply do the math. I was in fact ahead on my payments what they are reporting is incorrect and there error is affecting my perfect payment history! I have had 4 auto loans never ever late my boat never ever late and this XXXX loan was never ever late. I pride myself on paying things on time this company is reporting incorrect information they refuse to admit it to purposely keep my score down so its harder for me to refinance XXXX XXXX XXXX in XXXX is not a good lender in my opinion. I would never finance with them again!

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 02-07-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/2009 I got behind on my payments at which time I contacted my mortgage company, which was XXXX. I requested a modification. I filled out the necessary paperwork and did receive the modification. However, I feel that the modification was not a way to help me but for my mortgage company to get more money in the long run from my misfortune. I feel this action is reflective of predatory lending and that I, being a senior citizen, have been taken advantage of. Due to time constraints, facing foreclosure, the mortgage company extended my loan to a 40 year long and attached a {$44000.00}. lien. Now, years 1-5 at a payment of {$1500.00} I paid {$95000.00}. Year 6 I paid {$21000.00}, year 7 I paid {$23000.00}, year 8 to date I paid {$17000.00}. This is a total of {$150000.00} give or take a few small adjustments. Now having said that I am not even close in time to where I started at when I recd this modification. I still owe 32 years and 4 months at {$2200.00} per month. I am now XXXX years old. At time of maturity I will be XXXX years old and I will have paid back {>= $1,000,000}. All for a {$350000.00}. loan and for a house that is now worth approximately {$280000.00}. I would say I am stuck. The principal balance still remains at {$320000.00} after paying for 8 years and 8 months the sum of {$150000.00}. I have contacted Nationstar and ask for a breakdown of the {$44000.00}. and have not recd that breakdown. At this point I would love to get out from under this nightmare but as you can see I am pretty much stuck. I am requesting an adjustment of the {$44000.00}. Nationstar has already more than tripled their profit and I am drowning. Please help me with this issue and I am not getting younger and this is affecting my health. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I filled out online form for my free credit report with Equifax it did not go through they said they needed more information, I mailed them the information they requested and still no Free annual Credit Report from them or any other Credit Report. This is causing me a problem if there are items I may need to dispute as found in other reports. 
I would like this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXXThese addresses are in my personal information. I have never lived at either of these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: please help me consumer financial protection bureau, it is now 3 years asking Chase home finance to help me avoid foreclosure and all they keep doing is playing games with my home. the last application submitted for a short sale was at the beginning of the year and it took them 8 months for them to review my application and tell me that I was denied for a short sale because they can not verify my identity. I asked chase what information they are requesting from me to verify my identity, they never call me back to tell me whats needed. now they have placed a foreclosure sale date on my home and I am very scared and I do n't want to loose my home. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Other

Complaint: Wells Fargo canceled my credit card and raised my interest rate despite that I paid my account on time and paid more than the minimum amount each month. Their reasoning for this is that my debt to limit ratio is too high. However, my original limit was {$25000.00} and as I paid down the debt they lowered the limit so that I was perpetually maxed out. They manipulated my credit and the events to create the situation so that my debt to limit ratio is always high. Had they left my credit limit at the original amount my debt to limit ratio would be below 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was not a bill from the nonprofit XXXX hospital that I visited. They had agreed to see me with no charge since I did not have any income or any insurance. This was all agreed upon before I was seen. I do not owe this collection agency anything and this must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I obtained a credit card while living in Kentucky. In XXXX I became delinquent due to not working while XXXX going through XXXX and XXXX. The credit card was a secured card for {$200.00} so I had {$200.00} already on deposit with the credit card company ( XXXX ). Even though I had prepaid the {$200.00}, when I was able to go back to work I paid well over the {$200.00} to the collection agencies. XXXX collection agency was XXXX XXXX then it changed to XXXX.in XXXX. Now XXXX XXXX from XXXX XXXX XXXX XXXX. ( XXXX ) is calling and when I tried to explain what happened and that I had paid he said he did n't care if I had paid and said I owe them {$1500.00} ( on a {$200.00} secured card. ) He threatened to take me to court. The company has made multiple calls in the same day and has even before XXXX. and at least twice after XXXX. I have paid over the {$200.00} and it is my understanding that when you enter an agreement in the state of Kentucky there is a 5 year statue of limitation from time of delinquency but he 's saying he has until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector contacted my place of employment and told them that they would take legal action against me if i did not get the message to call them by the end of the day ... Also gave them a case #. The debt is from XX/XX/XXXX ... statue of limitations has passed in XX/XX/XXXX. They contacted me today and told me that they would be delivering court papers to my resident and my employer and told me they have already contacted my supervisor about the procedures of coming onto property. I see this as scare tactics.

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