milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian Credit Bureau has been and currently still is reporting erroneous information/dates and they refused to reinvestigate, update, and now delete the items after numerous attempts and disputes. I had a charge off from an old XXXX credit card that has since been deleted due to statute. I paid this debt in a settlements through XXXX in XXXX of XXXX ( should have been deleted in XXXX of XXXX ) and also present another old collection XXXX XXXX XXXX paid in XXXX XXXX ( scheduled to drop off XXXX in reality however Experian has added on an additional year and months to remove in XXXX!!! ) Experian is guilty of the following : 1. Reporting the last dates of delinquency erroneously/inadequately. 
2. Failing to update status to CLOSED XXXX XXXX XXXX. 
3. The original debt ( XXXX ) had been removed and XXXX XXXX should have been also. 
4. The statues have expired. ( NY 5 Years from 1st delinquency ) 5. The false information reported has caused an application denial for a {$25000.00} housing grant in XXXX. 
At this point, after exhausting all efforts to have them report the correct information, I will now pursue legal action against them. I have any and all proof of the above as requested.

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 12/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Marlette Funding, LLC (CA).
Issue: Struggling to pay your loan

Complaint: Requesting help regarding my XXXX XXXX loan. Since the very beginning I been making my payments on time But lately due a serious hardship and XXXX in the family I requested their help and see if they can do something about the interest fees, rates and other charges and even forbearance programs to help out with the monthly payments of {$260.00} XXXX XXXX will like me to default so they can add all the fees and charges and make my debt go from {$6000.00} to {$10000.00}. I called BXXXX XXXX looking for help me another forbearance plan or deferment programs available but no help so far! instead I got transferred from department to department where nobody is willing to listen. The lack of professionalism is big and only inspire distrust to customers. This loan highly negatively impacted my lifestyle and got me in debt now i owed more than i borrow. 

Id like to exercise my rights as a consumer and not be consume by predatory interest rates and other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ... A company called " AlliedInterstate '', which only shows a XXXX as address, has tried to " collect '' a debt on behalf of " XXXX XXXX, XXXX. " ; for such I have no knowledge nor I owe anything to that bank/credit ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving mailed correspondence for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Struggling to pay mortgage

Complaint: I have requested a modification on my 1st and 2nd mortgage which are interest only loan. I received 1st and 2nd modification agreement from Caliber Home Loans that limited-term loan modification that are not good terms for a modification and they are only good fro 1 yr where the payments will reflect a estimated payment based on the terms of an adjusted rate loan which will be higher which will give me a new monthly principal and interest payment, This is not a good modification agreement and it will put me in a worse position then I am already in,

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Attached is proof of col lection ( s ) account ( s )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  , Please follow suit and delete these accounts. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not still be on my credit report. Here is a copy of   XXXX   XXXX   for findings and proof of their removal of these items. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me a updated as soon as your investigation is complete.

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 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Payments Check Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was included in a chapter XXXX BK case # XXXX and this matter has already been addressed previously with the CFPB. this debt has been re-opened as a delinquent account and collection practices have assumed since the discharge of my BK. as a consumer I am protected and the debt has been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Settlement process and costs

Complaint: XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills. 
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet. 
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments. 
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I signed a Deed-in-lieu of Foreclosure with Select Portfolio Servicing Company and was told I would be receiving the {$10000.00} relocation assistance check. I never received the check and in XX/XX/XXXX I was notified by the IRS that Select Portfolio Servicing Company submitted a XXXX stating that I received the check. I have contacted them weekly since XX/XX/XXXX and keep getting the same answer that the escalation department has to verify my mailing address information before they can resubmit the issuance of the new check. Every time I call I 'm told this every week and they verify my new address and tell me it will be issued in 7-10 days and then call next week to verify the issuance of the check and once again no check has been issued and they are waiting for the escalation department to verify my address. Unfortunately this department is not available to the public. I do n't know why it is taking so long to reissue a check that they have had in their possession for over a year. I do n't want this to be delayed any longer as I already am dealing with the IRS over doing an amendment of my XXXX taxes due to the document that Select Portfolio has submitted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: We are only 3 years away from paying off the mortgage on our lifelong home. We 've had financial difficulties due to XXXX XXXX and medical problems, leading to unemployment for one of the two homeowners. We fell behind with mortgage payments and contacted Wells Fargo to ask about options for keeping our home. They only offered one option, which was to apply for a loan modification. I doubted we would be approved, but we submitted an application. Not only did they turn us down, but they also created an escrow account without our consent and increased our monthly payment by {$800.00}. Since missing a payment last spring, we had faithfully made a payment every four weeks from XX/XX/XXXX through XX/XX/XXXX. Starting in XX/XX/XXXX, the payment website will only accept the new amount, which we are unable to pay. I called Wells Fargo today ( XXXX XXXX, 2017 ) and requested a reasonable repayment plan for the two missed payments. I was told that they can not do this because our hardship still exists. Yet they are trying to force us to come up with an extra {$800.00} a month. This does not make sense! We want to keep our home and make continuous progress in bringing our mortgage up to date. We need Wells Fargo to accept a smaller monthly payment increase.

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 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I paid what I was told was my final payment on a XXXX XXXX XXXX phone that I cancelled. Next thing I new I received a letter for collection. I called to ask whet this is about they told I still owed money on this XXXX phone. I told them this was a mistake and I hung up and called XXXX XXXX XXXX. XXXX would not discuss the bill because the bill was sent to collections. But, they did tell me that XXXX XXXX called and change my address to a North Dakota Address. I asked them who authorized the address change and they said she did. No XXXX XXXX on account. After a couple of months I received another letter from a different collection agency. I called them and explained what happened and they said to pay the bill and they will have the back office review and the collection could come off my credit within 60 days. so, I paid. XXXX collection still on my credit report and now the North Dakota address appears on my credit report. Thanks for you consideration

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was charged twice today for my student loan, which I 'm currently only paying interest on because I ca n't afford the $ XXXX monthly payment, so I pay them $ XXXX/XXXX. I called them and asked how this happened, they insisted that I had made the payments, but could n't tell me aside from the XX/XX/XXXX payment I scheduled for the XX/XX/XXXX, when the other payment was scheduled for. They both came out on my account the same day. I believe their system was broken ( this has happened before! ) and did n't show the pending payment if it was my error, but I literally think I would remember signing in two days ago to make another payment. I always schedule my payments on theXX/XX/XXXX of the month, as can be seen from my year long history on their account screen. I was transferred to three people, and then they said I was unsuccessfully uploading my bank statement, then they told me my bank statement was not real, because they did n't believe XXXX, one of the biggest credit unions in Washington state, was a bank name. They wo n't resolve it for 14 days, despite me talking to three people. They kept asking me why my cosigner did n't pay, and also insisting my cosigner must have scheduled a payment in my name. My cosigner XXXX over 5 years ago. I sent them the XXXX certificate 5 years ago when they refused to give me a payment plan, when I was XXXX XXXX XXXX, in school, working full time at minimum wage, and obviously could not afford a {$400.00} payment ( they were XXXX XXXX then ). I was delinquent for two years and have finally caught up after getting a XXXX XXXX and more debt so I could afford my loans. I 've told them at least five times my cosigner has XXXX, and they insist he somehow has control over my bank account. On top of everything, I continue to make payments on the only modification they 'd allow me, which is to pay interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Mortgage (Other type of mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Closing on a mortgage

Complaint: Long story short ... 5 months to close construction to close loan. Explained via e-mail about the changes in the disclosure from original conversation/agreement. Closed today,  XXXX   XXXX . They decided shortly after the closing that the disclosure and payout were actually incorrect. The bank and title company want the moneys returned from every one ( title   company and builder/seller ) and a new closing. The title company called and told our builder that they would have them arrested if they did not return the money n ow ( today    XXXX   XXXX   XXXX ! ( I have the recording ). In light of this the bank agrees to use another title company but they say no we have to re-visit the loan and the disclosure and sign again. We just want our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2015 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: my credit is wrong i never had a credit card or apply for any credit card

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with Oxford Law, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XX/XX/XXXX Oxford law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with XXXX XXXX which I do not. They disclosed I owe {$5.00}, XX/XX/XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit card () with GOLDMAN SACHS BANK USA (AZ).
Issue: Credit determination

Complaint: While using a company called XXXX XXXX to monitor my credit, I was told that I was able to check approval for a new line of credit using a soft inquiry that would not impact my credit. The company ran my credit without my authorization for a company called XXXX by Goldman Sachs that resulted in a hard inquiry of my credit. I did not authorize this company to access my credit reporting file for extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reported this item to the equifax 16 times this time this calendar year. Each time they are citing there has been an investigation, this account was 'verified as belonging to you ( me ), and no removal of a fraud account in the name XXXX ( XXXX ) has been made. I sent copies of my police and arrest reports showing the fraud account number, address, and company information. On my credit report it is listed XXXX. This is a subsidiary to a company called XXXX. The account was opened in XXXX Arkansas. XXXX 's company headquarters is based in Louisiana XXXX XXXX XXXX, XXXX, LA XXXX but the contact number listed as the company 's resolution contact for question post-investigation is a personal landline number that has no affiliation with any business or conglomerate. I 've sent both the victimized debtor and Equifax via USPS mail, Fax, and online upload submissions of the police investigation And arrest reports and both are aware of details of legally upheld claim of identity theft and the arrests made due to these accounts. I have made many failed attempts at resubmission of the same disputes regarding these fraud accounts with the credit company, Equifax, to resolve the quandary and each time being met with stonewalling and returning to the same unfounded results. XXXX and/or XXXX are the same entity. The account number is verbatim the same which is referenced as an identity fraud account in the police report. Equifax has stated this will remain on my credit report because it was ineptly verified by Equifax with the company that was also victimized by the actions of the offending parties of which the account genuinely belongs to. I have provided the credit agency with documented evidence of these fraud accounts with the same account numbers, charge off balance amounts, and business addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pacific Credit Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had my child in a daycare and made all my payments on time. I found out that this daycare was putting XXXX removed my child from this day care. XXXX other mothers did the same. I was all paid up at this time. I was then told by the woman that owns the company that I owed dues not only for that month, ( which was paid ), but also for the following month, which I did not. I have the proof that I owed nothing more to this company and can provide this. I then began receiving collection notifications from Pacific Credit Services that increased each month. I never received any notification from the daycare - no warning, grace period, statement explaining what I owed this money for, etc. My credit report now states that I owe {$790.00} for nothing. Not only that, but they continue to re-age my account, when I have made no payments, have had no contact ; nothing. That in itself is grounds for a suit pursuant to the FDCPA. This company is absolutely violating my rights and I intend to sue this company if they do not remove this negative and illegal listing from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
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 EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of Equifax, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

Company response to consumer: Closed with explanation