milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 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: Problem with personal statement of dispute

Complaint: CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and Experian has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported fromXX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when XXXX XXXX recently removed the information while Experian had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections comp any, AFNI. Now, both are appearing on my credit report and AFNI is mis-representing the date the account was open. The open date shoul d have be en  X/X/XX  but  they are claiming it was open in   XX/XX . Th ey are also reporting that I missed a payment in   X/XX . I  have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed an account showing on my credit report with Experian from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on two occasion asked me to send them a copy of the credit report that is reporting this information. Each time I request the contract information they never able to send it. I then dispute this Item with Experian letting them know that I have no knowledge of this account with XXXX XXXX. Experian somehow able to verify that this account belongs to me. when I call Experian I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Experian was via online Experian.com. Again Experian say that this account is verified by the creditor. Since neither Experian nor the creditor are unable to provide me with the information that I requested I need Experian to remove this item from my credit report. This account is showing that 150days late, collection and sold to another company. Please remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Cash advance fee

Complaint: I wish to add the attached document to complaint XXXX. As you can see, the cash advance balance was explicitly paid off on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Initially disputed an account, which came back verified. I believe the investigation is questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and Equifax are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (IN).
Issue: Managing the loan or lease

Complaint: Chase has a hold on my equity cash from their loan.I 've done everything asked by Chase-but they have very poor customer service and the hold remains for no apparent reason.No one from Chase will help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TENET HEALTHCARE CORPORATION (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've tried to dispute this information with the credit bureau as well as the company and was provided the same resolution which was nothing. There are XXXX medical bills on my account from SYNDICATED OFFICE SYSTEMS. XXXX of the accounts is not even mine its under my daughters name which had XXXX and it was covered. The second account is also a medical bill that was paid in full by the insurance company and they still sent it to collections. After numerous attempts to the company they refuse to delete the collection as it clearly shows paid in full with no balance. This is beyond frustrating as it is affecting my credit score and report which is hindering me from receiving future 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 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error, I never authorized these inquires. I sent letters to all XXXX credit bureaus and they still not delete them. 
1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX None of them were done by me.

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 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked Transunion to investigate and if not verifiable, delete negative information on my report. I have explain and shown Transunion the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Transunion has only send back a full credit report without any updates describing the outcome of the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Transaction issue

Complaint: I am writing to your agency in hopes you can help me to dispute some charges made on my XXXX. I got contacted by XXXX by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4500.00} was on my AARP visa card. XXXX promised me for services that were never rendered. I started with them on XXXX/2016 they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to XXXX paying these fraudulent companies and they ignored my calls after a while.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I called Wells Fargo to report a lost credit card. The credit card had a limit of XXXX and a balance of {$0.00}. While on the call I mentioned that I needed about {$5000.00} for a very short time and planned to use the cash to get me through a rough spot financially for me. I did not want to tap into my investment account worth almost XXXX due to tax consequences. I was receiving retirement and social security amounting to about {$52000.00} a year. I just paid an XXXX tax bill and was waiting to sell a house I owed that carried no mortgage. This information was all given to the loan officer I dealt with over the phone. 
The banker aggressively sold me the loan and then they told me I did n't qualify because of my FICO score and short banking history with them. I 've had my Wells Fargo accounts for over 20 years and in the last year moved over {$270000.00} through my checking account not including the XXXXXXXX deposit made from the sale of my second home on XXXX XXXX, 2015. 
There is no logical reason I was denied credit unless they were discriminating or only using part of my financial information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My   XXXX   student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all  XXXX  credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

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 12/18/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to Bank of America including the XXXX Certification, XXXX Certification and Occupancy Certification form. I have not received the full extinguishment as promised by Bank of America and have been waiting. 
Under the XXXX Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program ( HAMP ), a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX Standard Modification requirements. When a borrower 's XXXX lien is modified under the XXXX Standard Modification requirements and the first lien satisfies the HAMP eligibility criteria, the XXXX servicer must offer to modify or extinguish the borrower 's second lien under XXXX. 
I was told that through the extinguishment program, Bank of America will report to the major credit bureaus that the my second lien mortgage is now " paid and closed '' and has a XXXX balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We are a military family. We took all steps necessary starting in XXXX to avoid foreclosure and bankruptcy. With no other option, we filed Ch. XXXX bankruptcy in XXXX to release us from the house. The house was discharged in XXXX but we are still receiving bills and attorney letters for collections from the HOA. We are told because the deed is still in our name we are responsible for XXXX, etc. The mortgage company will not cooperate with a Deed in Lieu. The mortgage company is forcing us to comply with their short-sale terms of listing the home for 120 days before considering a Deed in Lieu. I have spent hours on the phone since XXXX XXXX talking with various representatives because they ca n't keep XXXX person assigned to my case. The mortgage company changed the locks without informing us. When we hired a real estate agent she could n't get into the home to even proceed with a short sale. We had to wait 2 weeks before the bank would put a lock box on the property so the agent could get in. I want justice for the way I have been given the run-around by the mortgage company and the countless hours I have been on the phone whether on hold, transferred, etc. There is no way I could hold a job and deal with the mortgage company as much time as I have had to spend playing their games! They should be paying me!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (SC).
Issue: Taking out the loan or lease

Complaint: I contacted Avant Credit after reading about them on a divorcing mom 's blog on XXXX XXXX 2015. I am mom who fled a domestic situation in Florida with my XXXX year old daughter, who was XXXX. I moved to a new apartment and needed help getting essentials so that my daughter and I would not be sleeping on the floor. I got the application online and filled it out. Someone called me withh in 15 minutes and said that I qualified for the loan and just needed to provide financial information to show that I could pay back the money. I provided pay stubs, and bank statements. I went back into the program to sign my contract when they said I could, but it would n't work. I spoke to the same rep and she said that I spelled my last name with an L instead of an I. I thought that was strange. She told me to sign it with the L and everything would go through. From there I was contacted and harrassed for maybe XXXX times for financial information, resigning contracts for the same loan, and given empty promises that the money would be deposited into my account. The XXXX time the money was supposed to be deposited, I received an e-mailed letter from Avant stating that the money would be deposited into my bank account ending in XXXX .... I contacted them and told them that the number was wrong. I assured them I double checked it and know that i entered the correct information. ( I have XXXX emails supporting what I am saying including the many times they asked me to resign the contract. ) They said that they had to hold my loan until it was returned to them within 3 days and that then they would deposit the money into the correct account. On the XXXX day, they asked me for a voided check for my account so that they could correctly deposit the money. I sent that information to them. 
They said someone would get back to me by the end of the week. Monday rolls around and no money and no call. I called them, they said they received my information and they money would be deposited the next day nothing. Finallly, I went to my bank to see if they had attempted to put any money into my account. The rep there said there had been no attempt. Then, she checked to see if money had been placed in the account with the " mistaken number '' in it. She checked and said that the account number did n't even exist. Then she told me to call them and tell them that she would wait while they deposited the money. The young man, claimed there was an IT problem on their end and said the he would ge to the bottom of it, Friday, and call me on Tuesday. I told them I knew that the wrong account number was false and that I intended to report them to you. They have all of my financial information, including my checking accounts, social security number, bank statements, addresses, etc ... Please help. Oh, and I never got a call back and they never deposited the money. It is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Student loan (Private student loan) with ACS Education Services (OH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have called ACS multiple times over the past year to see if there was anything I could do to lower my monthly payment on my private student loans. I have been told that all options have been exhausted and there is nothing they can do unless I default on my loan. I have explained that I will not default and I do n't want to be in deferment or forbearance, I would simply like to find a way to lower my monthly payment and pay a little less per month. 

I am paying {$1000.00} per month ( {$260.00} for federal and {$730.00} for private ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have to call monthly to have my loans placed in a status of in school deferment. This organization does every thing possible to attempt to collect even false statements. It is difficult enough to complete classes without having to worry about an organization looking for a way to extort funds from students, they will add fees to this when it should be in deferment, lying stating that the school shows me to have withdrawn, and any other method I am sure I have n't seen yet. if this is happening to me then I know it is happening to thousands of others. Their authorization for this service should be removed for service of any student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Account status incorrect

Complaint: It has only been a few years since  XXXX   XXXX  ;    XXXX   XXXX   XXXX   XXXX   XXXX    ; and   XXXX   XXXX   agreed to not conduct any further fraud upon the public.      XXXX  months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon.     However, in  XXXX  of this year    XXXX   XXXX   XXXX    began billing on the behalf of  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   for a renewal fee. I was out of the country and did not see the  XXXX  months of billings with finance charges in our mail.   XXXX   XXXX   was immediately contact and ordered to withdraw any negative reports to all   XXXX   credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all   XXXX   agencies.      XXXX   XXXX  has on occasion refused to answer phone calls transferred to a supervisor.     We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time.     Regards,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX   XXXX  Last  XXXX  numbers on the account :  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have advised Equifax that a XXXX XXXX account reporting on my credit report is not my account. I was listed an an authorized user without my consent. I submitted a dispute and Equifax refuses to remove this account from my report.

Company response to consumer: Closed with explanation