milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my XXXX and Equifax reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of XXXX and Equifax showing the incorrect XXXX entries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Incorrect information on your report

Complaint: My credit report is showing a late payment from XXXX XXXX. This payment was made in XXXX however, I believe that there was an issue with the system as the payment was never processed even though on my end it appeared to be accepted. I did n't realize that the payment did n't get processed until the following month and by then it was too late. As a result I now have a late payment on my credit report that is preventing me from buying a house. I have never been late on this account in all of the years of owning this home and would like this credit blemish removed as it was due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I applied for a loan consolidation and for my repayment plan to be changed to XXXX on XXXX/XXXX/XXXX. I was never notified about anything except being asked to show proof of my income on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I provided. I called on XXXX/XXXX/XXXX to check the status of my consolidation and was told it was stopped because my loans were deferred because I was in school. For 1. I am not in school so my loans should not be deferred and I should be able to make payments on them. Second, when I filled out the loan consolidation application I requested that my loans be consolidated even if they were deferred and that I start making payments on them immediately. I check that box for this. I am now told today XXXX/XXXX/XXXX that I my student loan consolidation was stopped without notifying me and now it will be not be done by the end of the year to received the interest deduction for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: My complaint is against Chase Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. I contracted XXXX XXXX to begin the process of filing bankruptcy. They indicated to me that I needed to pay them a certain amount before they could initiate a federal filing on my behalf. According to my Chase Bank records they made {$800.00} in fraudulent withdrawals from my Chase Bank checking account. I believe that this company never had any intention on honoring an agreement to file bankruptcy on my behalf. Once I realized the company 's credibility was questionable I asked the Chase Bank to issue stop payment on XXXX. Additionally, I emailed the company to request that my account be closed in XXXX, 2016. Once, I made this request, I was unable to get through via phone to XXXX XXXX. They routed calls to a voicemail that noone ever answered. I continued to try to communicate with them via e-mail to no avail. I am requesting a refund of the funds that I believe were fraudulently deducted from my bank account. XXXX XXXX now claims to have gone out of business as of XXXX XXXX, 2016.

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

Complaint: I disputed inquiries that were not made by me however I have not heard back from them.

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

Complaint: I found out on XXXX XXXX 2017 that Equifax potentially leaked sensitive personal information about me, and that the security breach had been open for 5 weeks. I am worried that I may become a victim of identity theft, which puts me at risk for loss of thousands of dollars and ruination of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: This complaint is a follow up to complaint XXXX filed XX/XX/2017. 
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by XXXX and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: American Express ( AMEX ) and XXXX had a join promotion under code XXXX from XXXX to end XXXX 2016 for free airport XXXX ride. 
We took the ride on XXXX from XXXX XXXX airport cost {$34.00} charged under my AMEX card. Under the above promotion, AMEX is to credit full {$34.00} to my American Express Card. However, AMEX refuses to issue the credit to me. I have disputed with AMEX but they close my dispute without proper explanation. I complaint through XXXX too, and AMEX simply replies that it is XXXX responsibility to issue the credit ( if that is the case, AMEX has the responsibility to assist my dispute to begin with but AMEX did not. 
I am seeking your help on this matter. AMEX should honor its joint promotion with XXXX and issue me credit of {$34.00}, and issue credit to all other XXXX drivers under this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with U.S. BANCORP (MA).
Issue: Billing disputes

Complaint: The format was not readable for Case number : XXXX, could you resubmit,

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.

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 05/20/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Billing statement

Complaint: I opened up a Macy 's Credit Card, and charged something. I paid the bill within the first cycle. But for some reason Macy 's has not credited my account correctly and the are harassing me with 'non-payment '. I faxed the proof that it was paid 4 times to the fax number they gave 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 monetary relief
Consumer complaint received 03/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX sent a payment to Navient of {$120000.00} and they wo n't respond to e-mails or post to my account. I 've never been late on any payments. I believe they are holding to collect interest each day they do n't post.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016 I started my refi with Citi Mortgage. It was to close by XX/XX/<YYYY> I uploaded all of the required documents to the Citi website on XX/XX/<YYYY> The appraisal was completed on XX/XX/2016. I contacted the processor at Citi on XX/XX/2016 to get the status and was told XXXX additional items were needed. I submitted the XXXX items on the same day. On XX/XX/2016 the refi still was not closed so I talked with Manager XXXX XXXX. He said he understood my frustration and would have the underwriter review my documents. Today is XX/XX/2016 and my refi is still not closed even though I was told the underwriter was reviewing it on XX/XX/2016. I talked to Manager XXXX today, XX/XX/2019, and he said he communicated with the Underwriter Manager to expedite my closing.

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 monetary relief
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries are study being pulled on my credit report unauthorized, affecting my credit score. Im only being made aware of this because in have a monitoring service. 
Credit check total sends me alerts when someone pulls my credit. On XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX/XXXX/XXXX XXXX Payments XXXX/XXXX/XXXX XXXX who are these people.All these inquiries just constantly every other day. I have a Fraud Alert on my credit file!!!!!! 
And I just submitted a complaint about inquiries last weekend!!!!!

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 01/28/2018 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We moved. I notified all companies that I owed balances to that we were moving. A bill for {$57.00} was sent to collections and sent to all credit bureaus without my knowledge. As soon as I became aware that I had a balance ( which I was not made aware of before I moved ) I paid the balance in full. The payment was made XX/XX/XXXX. I have requested in excess of 25 times that the collection agency report to all credit bureaus that the account was paid in full. They have yet to do so. I have submitted documentation, including a copy from my bank of the check that cleared paying the balance in full, to all credit bureaus. I spoke to the collection agency again on XX/XX/XXXX asking for them to please report this account has been paid in full. For some reason they will not report this account having a XXXX balance. I need this handled asap.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has been hacked and they waited over 2 months to notify the public. I believe my information has been compromised and I want valid compensation for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is listed on each of my reports as a collection/chargeoff. I immediately disputed thisinformation with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX did not respond to demand letter FCRA 623 ( b ) for violations of the FCRA and did not remove the adverse account from my 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 08/18/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: ARA Inc. contacted me by phone on XXXX. I was on vacation with my family so said I would contact them when I returned home. Upon arriving at home on XXXX I found letter dated XXXX/XXXX/XXXX. I called again and talked with XXXX XXXX. She told me they had contacted my ex-wife and my credit union which I checked later and found they were all lies. They refused to provide me with any documents showing I had taken this loan out. They were referring to a loan with XXXX XXXX supposedly taken out by me 20 years. This was reported 20 years ago as identify theft with a letter from the person that took out the account. They said I owed {$25000.00} and with interest and penalty it was over {$65000.00}. They would settle for {$7000.00} + and after later talking offered to settle today for {$6000.00} +. If I did n't they would take me to court for collection of the full amount. I told them to go ahead and I contacted my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Good morning CFPB, I wanted to add to my file case # XXXX. I wanted to also state that they have miscalculated my income to expenses, Bank of America has denied me on the programs Hardest Hit Fund/Bank of America 's loan Capitalization program. I have my application completed as showing {$7300.00}. B of A is showing {$6300.00}. Now of all these programs out there I can not believe that none can qualify us for a new a Loan Modification. Ok thanks for your time.

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 EQUIFAX, 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: To Whom Thi s May C oncern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with The CBE Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Had 4 phone calls in one day to my cell phone about debt collecting. 
They are asking to talk to a XXXX XXXX ... ... Not me ... .Never heard of him. They got the wrong number! I keep explaining to them you got the wrong number and they get very rude!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have successfully gain a loan modification now over 6 months with Select Portfolio Servicing ( SPS ) through the assistance with XXXX XXXX Law Offices. I have documentation of the completion of the loan modification process and closing. I have abled my trust and confidence to re-establish creditworthiness with SPS and agreed to the terms of the contract, loan restructure and acknowledgements thereof. SPS states to me after I successfully completed the process only after my inquiry because of my BK filing 8 years ago ( discharged ) that they are not required to report and have no intentions on reporting my monthly payment history according to the current agreement. This was my last conversation I had along with a third party ( XXXX XXXX XXXX ) at Law Offices to speak with SPS authorized to speak on my behalf. I find this to be a major setback, not able to regain and build my credit and it restricts me from my efforts in paying on time and agreed. 
I absolutely love the new loan and the fresh start and feel I 'm getting robbed of the benefit of paying as agreed. I would like resolution for SPS to report my pay history to the bureaus each month according to how I am paying. If this can not be achieved, I am open to other options, ie stated letter every 3 months of my pay history so I can forward to the XXXX credit bureaus so they will be updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many inquiries on my XXXX credit report I do not recognize some from XXXX XXXX, XXXX XXXX, Commenity, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation