milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporti ng hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.

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 07-08-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My Home Equity Line of Credit account has a balance discrepancy that Bank of America refuses to take seriously. I filed a QWR for information in XX/XX/XXXX and have not received any response to my request. All communication is done over the phone now and I can not get any assistance because I keep getting retransferred all over.

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Bureau is not blocking the information within 4 business days per FCRA 605B ( 15 U.S.C. 1681c-2 )

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 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued.

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 02/23/2018 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received numerous phone calls and letters from XXXX XXXX about a debt I owed. I mailed a debt validation letter to the company about this alleged debt I owed on XX/XX/XXXX via certified mail and got a returned receipt with a signature that it was received in XX/XX/XXXX. It is now XX/XX/XXXX and I still have no response from them regarding validation of this alleged debt. This debt that does not belong to me is harming my credit scores. They had 30-45 days to respond. They have passed the required response limit. I need answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with ERC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX is saying that i owe them for an account. I have never had an account with them. I have asked them for proof of an existing account and i have never recieved one. This is affecting my credit rating. On XX/XX/2018 i  spoke with a rep. for them gave him my last name and last for of my SS and he could not find a account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently reviewed my Experian credit report and observed that hard hit inquiries that were disputed & removed were re-inserted into my Credit Report by Experian. I have a copy of a written response from Experian advising me that they were removed as a result of my dispute. Experian NEVER advised me that these items were going to be re-inserted into my credit report ( 5 days after ) as required by Federal Law. Experian is in violation of the Fair Credit Reporting Act 15 USC 611 ( a ) ( 5 ) ( b ),

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 02-06-2018 about Vehicle loan or lease (Loan) with Steward Financial Services LLC (FL).
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint: Steward financial loan terms are keeping me underwarter on my car loan, despite attempting to refinance directly thru them, and all attempts to make the issue better and financially feasible for both parties. 

the representatives are rude, do not listen to customers, have horrible attitudes with the power to make ones credit report horrendous. 

i have walked into 4 separate car agencies attempting to get out of the sub prime loan with each unable to assist due to the XXXX negative equity,. 

i have made two years of on time payments, per experian credit report. I was late 1 business day and they were not graceful in helping me keep that from being reported. 

the orginal loan was for roughly 20K with monthly payments of XXXX after two years the principal of the loan has only went down XXXX dollars.

Company response to consumer: Untimely response
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Diversified consultants has, on numerous occasions, contacted my minor child on HER phone regarding an XXXX XXXX XXXX bill that was past due ( and subsequently has been paid ). The XXXX time they called her ( during school ), I called them back and gave them my phone number ( STILL do n't know how they got her number ) and told them not to contact my minor child again and to remove her number. Since then, they have called her at least XXXX times. The bill has been paid and they 're still calling her.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have not received a report from information been disputed.

Company response to consumer: Closed
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved

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 08-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with Kashia Services (AL).
Issue: Charged fees or interest you didn't expect

Complaint: It was a XXXX dollar loan, I thought they were just going to take that plus the interest rate when I got paid. But on my payday they only took XXXX and it was going on for about 4 or 5 paychecks before I switched bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have over  XXXX  hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different 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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the two hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with Financial Business and Consumer Solutions. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt has been paid, and original creditor has no recollection of ever using FBCS. 

The debt is for an emergency room visit on XX/XX/XXXX. The emergency room has confirmed today, XX/XX/XXXX, that the debt was paid by my insurance company in XX/XX/XXXX. 

The debt of {$1300.00} was apparently sold to XXXX in XX/XX/XXXX. They have been calling me repeatedly since then. One such phone call, on XX/XX/XXXX at XXXX XXXX, was with a woman who rudely told me that this will continue to haunt my debt and angrily hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several dispute letters as this is not my debt. I have always had insurance to provide to any hospitalsbut this bill is not mines.
Also this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my info and also on a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Medical) with Fidelity Properties Inc. (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Early this morning I was contacted by an agent, who did not identify herself as a collector. I figured it out during the conversation. She was trying to collect a debt that I believe I have already paid. I am In the process of getting my reciepts in order. How ever I have had no payment agreement with this company even though the send me letters stating this. I have paid their clients directly. Many of there letters list the original creditor as Various Accounts. I know this is in violation of the FDCPA. This agent refused to let me talk and continued to talk over me. I believe her intent was to escalate the call. I found the call very disrespectful and degrading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Open date of XXXX account is incorrect an I request a deletion of the entire listing

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with MLD MORTGAGE INC (VA).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   sold our mortgage to MLD mortgage, and during the process of loan sale our  Home Insurance wa s due (  XXXX  ). Neither company paid our insurance from the funds which were available in escrow. Now we are receiving failure to make payment letters and potential gap in insurance letters fro m    XXXX   XXXX  .  XXXX  says MLD will not speak to them regarding our account. MLD will not release payment to  XXXX  because they claim they can not make contact with any  XXXX  employees. After numerous phone calls and emails with each company we are no closer to having this issue resolved than when we started. MLD has exceptionally poor customer service with representatives becoming belligerent with customers on the phone when all we are requesting as paying customers, is to have the company fulfill obligations for which they are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with KEYCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I FELL BEHIND ON MY MORTGAGE PAYMENTS IN XXXX BECAUSE OF CIRCUMSTANCES NEEDED TO CARE FOR MY GRANDCHILDREN WHOM I HAVE CUSTODY OF.I HAD TO GO FROM WORKING FULL-TIME TO PART TIME WHICH I THOUGHT WOULD BE FOR A FEW MONTHS, BUT IT ENDED UP BEING LONGER. I REACHED OUT TO MY MORTGAGE COMPANY TO SEE IF I COULD GET A EXTENSION OR TO SEE ABOUT AN MODIFICATION.I WAS ASSIGNED AN CASE MANAGER XXXX XXXX AND THIS WAS BY VIA MAIL. THEY SENT ME DOCUMENTATION AFTER DOCUMENTATION OUTLINED WITH WHAT THEY NEEDED TO START THE PROCESS.WHICH WAS IN XXXX.AT THE TIME I WAS ONLY BEHIND 2 PAYMENTS.EACH WEEK I HAD TO SEND MY INFO VIA EMAIL, FAX OR BY MAIL. WHICH I CHOSE FAXING SINCE IT IS INSTANTANEOUSLY. WHICH WAS THE FINANCIAL BORROWERS STATEMENT WORKSHEET, MONTHLY EXPENDITURES WORKSHEET, XXXX, REQUEST FOR TRANSCRIPTS OF TAX RET. HARDSHIP LETTER, XXXX FORM, BANK STATEMENTS, PAYSTUBS. I FILLED OUT ALL OF THEM. I SENT THEM ALL BACK VIA FAX, BUT NEVER HEARD FROM THEM. EACH WEEK I CALLED MY CASE MANAGER WHO WAS NEVER IN.LEFT SEVERAL MESSAGES, AND NEVER HEARS FROM HIM.I STARTED TALKING TO JUST RANDOM CASE MANAGERS TO TRY TO SEE IF THEY KNEW THE STATUS AND EACH TIME THEY STATED THAT MY DOCUMENTS WERE HARD TO READ, OR WAS TOO LIGHT, TOO DARK, OR SLANTED, BUT INSTEAD OF CALLING ME BY PHONE IN A TIMELY MANNER TO RESOLVE THE ISSUES WITH MY MODIFICATION APP, THEY WOULD SEND IT VIA MAIL.I JUST BELIEVE THEY TRY TO PROLONG IT SO I COULD LOSE MY HOME. ALSO ON THE DAY I CALLED BACK TO SEE IF THEY RECEIVED MY INFORMATION BECAUSE I DID N'T HEAR FROM THEM, THAT WAS AFTER XXXX ON XX/XX/2016.THEY SAID I NEEDED TO SEND IN ANOTHER BORROWERS FINANCIAL STATEMENT, WHICH I SENT IN XXXX AT THE VERY BEGINNING OF THE PROCESS, WHY WOULD YOU ASK ME TO RESEND IT AGAIN IF YOU ALREADY KNEW YOU COULD N'T READ IT IN XXXX. THEN I FELT LIKE THEY WERE UP TO SOMETHING, SO I RESENT IT THRU FAX ON THE SAME DAY I CALLED THEM THE FOLLOWING WEEK AND THEY SAID THEY RECEIVED IT, AND TO ALSO LET THEM KNOW I HAD DIFFERENT CIRCUMSTANCES THAT WOULD HELP ME FINANCIALLY TO MAINTAIN MY HOME. THEY DID MENTION THAT IT WAS ALL COMPLETED AND BEING REVIEWED.SO I JUST WAITED, THEN I CALLED BACK THE FOLLOWING WEEK BECAUSE AGAIN THERE WAS NO CORRESPONDENCE BETWEEN THE CASE MANAGER AND I.HE WAS NEVER IN HIS OFFICE, ALWAYS ON VACATION. AGAIN I SPOKE TO ANOTHER CASE MANGER WHO INFORMED ME IT WAS DENIED AND THEY WERE SENDING THE INFO IN THE MAIL, WITH SHORT SALE INFO, OR DEED IN LIEU. I JUST FEEL LIKE THERE WAS NO HELP FROM THEM TO EVEN TRY TO HELP ME THROUGHOUT THE ENTIRE PROCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. 

Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was set up on a financial assistance program in XXXX due to financial hardships due to changing jobs. I then found out that I was canceled due to the representative setting my payments up as an ACH transaction as opposed to a purchase. I received numerous collection calls after this was set up and this was the only way I knew that my account was changed from a positive to negative standing. I then called and spoke to a supervisor to get this set up again in XXXX. I come to find out today, 5-10, that I was cancelled per a rep. named XXXX. XXXX told me that " the head manager '' declined me, not because the financial assistance program was n't being followed, but because Navient changed their mind in determining my repayment ability. I asked XXXX for an email with some specifics so that I could later call back and speak to a manager but he said that " he was the one who dictated what could be communicated '' and what I wanted was not available in any form. XXXX was rude, intimidating and not helpful. I already paid money to Navient yet do not know what my account status is. I am very worried and concerned that my credit will be affected. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage Servicing Company refused to acknowledge timely receipt of loan modification application for HAMP review due to their failure to timely upload documents in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I requested a loan consolidation around XX/XX/XXXX. My primary loan is with XXXX ( but somehow managed by Navient ), where I have XXXX different loans more or less {$10000.00} each from my XXXX degree completed XX/XX/XXXX. After that I got about {$30000.00} split in XXXX loans from XXXX. 


When I filed to request the consolidation, I chose Navient. After I receive my consolidation letter I noticed that the XXXX loans from XXXX were not included. I have been calling in multiple occasions to have this situation fixed as soon as possible. Eight months later, my loan balance is still not right. 


I had to call Navient, XXXX, and the Department of Education countless times, without being able to receive any kind of help. All the answers that I get from Navient are that they will submit my paperwork to a supervisor but nothing happens. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit XXXX my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: After reviewing all XXXX credit reports, I noticed that XXXX 's Collection Agency named XXXX had me placed for collection on XX/XX/XXXX which I do not recall authorizing. I am under the impression that they should n't be allowed to put an inquiry on my file unless I have authorized it. It has been paid as of XX/XX/XXXX. I feel that due to the fact that it was not authorized and it is satisfied that it is about time that it is removed from my report. It is making it difficult for me to bring back my credit back to good health. Please help me if you can. Thank you for your time and consideration!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: I applied over the phone for a mortgage with Bank of America on XXXX/XXXX/2015. I gave them permission to pull out my credit for that day. While I was checking my credit file, I discovered they made another hard inquiry again on XXXX/XXXX/2015 without my permission. I emailed the loan officer and I never get any response. I contacted the credit bureau, they said they can not remove it. They advice me to file an identity theft complaint with you and mail to result to them to remove that inquiry from my file.

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