milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 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: Account status incorrect

Complaint: I filed a dispute with Equifax on XX/XX/XXXX confirmation # XXXX and XXXX # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXX and that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigationXX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results today XX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.

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. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. 's systems were struck by a cyber-attack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. 

After using Equifax 's link www.equifaxsecurity2017.com on XX/XX/2017, it was confirmed " your personal information may have been impacted by this incident. '' Equifax allowed my information to be divulged without my consent. Equifax used my report improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated in XX/XX/XXXX. After my graduation, I was given the 6 months grace period, but I was apart of an XXXX program, so my loans were put into forbearance. Because of this I have used up all of my forbearance time. I was out of work from XX/XX/XXXX to XX/XX/XXXX. They were not willing to work with me then. I had no choice but to put my loans back in forbearance, month after month. My monthly obligation to XXXX/Navient is about {$1400.00}. I currently receive $ XXXX monthly after taxes from my job. XXXX/Navient has not been willing to work with me. They have been more concerned about getting the full amount and will not accept a portion that I can afford. I do not have a problem with paying XXXX/Navient. What I do have a problem with is them not willing to work with me and not being understanding of my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Other

Complaint: XX/XX/2015I closed my credit card account ending in XXXX on XXXX/XXXX/2015. The account was paid in full when the account was closed. The account was online and I did not receive any paper statements on the account. 

On approximately XXXX XXXX, 2015 I received a letter from Bank of America. The letter stated my account was past due in the account of {$160.00}. This was the first letter or email I had received about the closed account XXXX. 

XXXX XXXX, I phoned the number on the letter ( XXXX ) and spoke to XXXX, then XXXX and then XXXX. I spoke for a total of one hour 12 minutes to Bank of America. 
In speaking with XXXX I was told a company called " XXXX '' charged my account in the amount of {$100.00} and the rest of the charges were late fees. XXXX told me if I paid the {$100.00} he would take all the other fees off the account. I was unhappy something was charged on a closed account and asked to speak to a supervisor. 

I was transferred to XXXX. XXXX told me things could be charged to a closed account for 30 days after an account was closed. XXXX told me if I paid the {$100.00} all the other fees would be taken off the account. I was unhappy something was charged on a closed account and asked to speak to another supervisor. 

I was transferred to XXXX. XXXX told me the " XXXX '' charge was made on XX/XX/XXXX. This is 44 days after my account was closed. XXXX told me anything could be charged to a closed account. XXXX said I had to pay {$100.00} which was the " XXXX '' charge as well as interest and then all the other fees would be taken off the account. I requested all the statements be mailed to my address. I have none of these statements and I ca n't look online at anything on the account because I closed the account. 

At this point I simply wanted to be done and I felt VERY harassed about the whole situation. I paid XXXX and she used check number XXXX from my XXXX checking account. XXXX told me the case number for the issue was XXXX. 

XXXX XXXX, I received a phone call from XXXX at XXXX. She requested I pay another {$1.00} and some change for additional interest. I hung up the phone. 

I am very upset about this issue. 
We paid in full XXXX CLOSED our account on XXXX have no access to the account, because it was closed online and we did not receive paper XXXX days AFTER our account was closed, Bank of America took a charge on a CLOSED account. 
When we did receive a paper bill/statement, we call XXXX receive different information from different customer service people. 
We DID PAY the charge & interest, just to be done with Bank of America, and then Bank of America did n't take off late fees AS THEY SAID THEY WOULD. 

Would you please assist us with this matter? 
Please contact us anytime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received many letters of collection in the mail from Midland Funding LLC / Midland Credit Management Inc . I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/2017, I 've paid in full XXXX education loans. Details are below : 1. XXXX Amount of payment {$22000.00} 2. XXXX Amount of payment {$20000.00} Customer service representative, who provide me with a payoff amount, told me that both loans will be marked " Paid in full '' and I 'll receive electronic " PAID IN FULL NOTIFICATION '' once my payments clear. 
As of today, XX/XX/2017, loan ending XXXX marked " Paid in full '' and I did receive " Paid in Full Notification ''. However, loan ending XXXX still in a payment mode with a negative ( $ -XXXX ) balance. I 've called SallieMae several times trying to solve this problem. Per customer service explanation, the negative balance preventing the system from closing loan and generating " Paid in Full Notification '' and the negative balance was due to incorrect Paid off amount given to me. I spoke to SallieMae on XX/XX/XXXX and they promise to me fix this technical issue within 24 hours. Unfortunately, the issue still there and I 'm attaching supporting evidence for you to review. 
Thank you in advance. 
Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I still have a 90 day fraud alert on my credit report, where I expressly did not want XXXX nor did I request XXXX. I am submitting XXXX pieces of ID for verification and I an requesting the the 90 day fraud alert be removed ASAP. 

Additionally my report has XXXX number on it that are not mine, namely XXXX XXXX XXXX XXXX Residential XXXX XXXX XXXX XXXX Residential please have these removed as well.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Filed for bankruptcy on XX/XX/XXXX. XXXX  flagged my credit report with the bankruptcy information. All the companies I filed on also reported " debt included in discharge through Bankruptcy ChapterXXXX '' with closed. Including Navient, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. XXXX has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " One '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

Equifax lists XXXX inquires XXXX list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My apt manager was a XXXX lived there for XXXX years with a roommate.She let it go so badly I had to leave. Every thing was bug infested abd ruined. Now I canot get one thing straight. I do not owe my roomates half and they will not take any offer to get this resolved. I need to get a place and thie a nitemarre on my credit. 13 years is along time to live somewhere never late on the rent. I have pictures of the bugs. I need this off my credit. I am XXXX on XXXX alone, so I do not have time for these games

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 07-06-2015 about Credit card () with PAYPAL HOLDINGS INC. (SC).
Issue: Unsolicited issuance of credit card

Complaint: XXXX aka PayPal credit put a hard inquiry on my credit without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: NATIONSTAR : mortgage payment arrived on XX/XX/XXXX per usps tracking info. mortgage company charged late fee saying they received it after XX/XX/XXXX. i asked them to remove the fee, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I attempted to open a credit card with XXXX XXXX in XX/XX/XXXX. When I did not receive my credit card in XX/XX/XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XX/XX/XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XX/XX/XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

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 03/23/2018 about Debt collection (Credit card debt) with ASTA FUNDING INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account has been pass from one collection agency to another XXXX just I got me that you are the owner of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I filed a dispute for Midland Funding to verify the debt date and amount they are now reporting the wrong balance. Orginally debt was {$1800.00} they now are reporting it as {$30000.00} USD and still are trying to re-age the account date. They have called me several times telling me to be at my house with a picture ID so they can serve documents to me. Both times I told them I would be at home and they never showed up. I need this amount corrected asap as it is adversely affecting my credit or it needs to be deleted. I have disputed it but, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I filed a report and a 90 day fraud alert with the reporting credit bureau to notify them of a fraudulent medical collection reporting on my credit report. I then reached out to the debt collector and the medical facility who let me know this was a bill for a medical service performed on XX/XX/2014 in XXXX, Ok. I lived in XXXX Oklahoma at the time and never visited an Emergency room or even knew a patient by the name of XXXX whom they are stating the services were performed on. I notified them that this is fraudulent and I do not know this person or even where this facility is located. Apparently my stolen information was listed as the responsible party. I grew greatly concerned and am just trying to get this fraudulent information taken off my credit report because it impacts me personally and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I am an international student at XXXX XXXX University. XXXX, VA. I came in XXXX XXXX for the first time in USA. I and my other friends are also having same background as international students since Fall XXXX. We all are maintaining the salary account with Bank of America, XXXX XXXX XXXX, XXXX, VA-XXXX. My all friends are given credit card for {$1000.00} and I am given for only {$900.00}. 

To increase my credit limit from {$900.00} to {$1000.00} and for actual reason for such injustice, I wasted whole days over the pathetic service of credit card helpline number XXXX XXXX XXXX and XXXX XXXX XXXX & also approached to the XXXX XXXX relationship XXXX XXXX but no proper answer is given and my credit limit is not increased. 

I am issued a credit card with lesser amount but actually I should be issued with atleast {$1000.00} as I have never made any late payments or any other credit-score harming activity. 

Bank of America. asked me to contact to XXXX and deal with them but I do n't think I have to approach to XXXX, who is XXXX for me, it is nothing, I have nothing to do with their business partners. I am customer of Bank of America so I am suppose to approach to Bank of America only for such injustice and discrimination. Despite of my several calls I am not even given the email address for filing a proper complaint and branch representative said me that he has nothing to do with credit card and he escaped this way and sent me the credit card department phone number and then did not reply to my any further email. 

Then also I have the filed few complaints and their numbers are XXXX at XXXX pm and another XXXX at XXXX pm specific standard times dated XXXX/XXXX/XXXX. But their approach seem for discarding of these complaints as they want me to either decrease my credit score by re application or to approach to their business partner XXXX. 

Additionally. I was said that though it may be fault from the bank you need to re-request for credit-limit-hike from {$900.00} to {$1000.00}, and in such scenario your credit score will be again run and it will be decreased. So they want me to decrease my credit score on their fault.

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 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed there are continuing collections being posted to my XXXX credit report. These collections have been removed on two occasions already ( by : XXXX XXXXXX/XX/2016 and XXXXXX/XX/2016 ) .Now there is another collection from, ENHANCED RECOVERY CORP for the same amount of {$580.00} for equipment that was returned via the technician who installed XXXX @ XXXX XXXX XXXX XXXX XXXX on or around XXXX XXXX, 2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I am a XXXX veteran who is tax deferred on property tax. I obtained a mortgage in XXXX. 2016, 7 months later a letter from Wells Fargo states that my new payment will be XXXX instead of XXXX due to a shortage in my escrow. I called and they said they paid my taxes of XXXX and I told them I am tax deferred and they made a mistake. They say they cant change back to my original payment until they get their money back from the town of XXXX XXXX, NJ. XXXX and XXXX they let me pay my XXXX over the phone now they wont, but they put a extension until XXXX XXXX to pay the XXXX. The town is working to give back the bank its money but they have to go threw a process which takes time. So why am I being burdened for their incompetence?

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