milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 08/20/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received anything in writing from the collection agency. Continuing to pay the creditor but have no written trail of anything. Not even sure what the bill is for, how much I still owe, or what has been paid. All communication has been over the phone.

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 02/13/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I purchased a home in XXXX, CA. I took out a 30 year interest only loan. In addition, I was told I needed to take out a adjustable HELOC for my downpayment. XXXX year later the housing market collapsed. My wife and I had extreme financial hardships. I am XXXX XXXX with XXXX, and my wife had lost her job. We spent years applying for home loan modifications that never seem to get anywhere. In the mean time we stopped paying the HELOC because the payment became to high and our home was very underwater. I was forced to file chapter XXXX bankruptcy as XXXX XXXX XXXX raised my payment while granting me a terrible loan modification. The terms were awful. My wife and I could not afford to relocate as I was no longer working. It was not until I found this website that I finally made a complaint about what I had been through with XXXX XXXX XXXX. With the help of your organization we were finally offered an affordable loan modification. We have been paying our loan mod since aprox - XX/XX/XXXX/XX/XX/XXXX. 

I am writing you because I received a letter from XXXX XXXX about some loan I may or may not have with them. The HELOC loan was originally with XXXX XXXX XXXX but we stopped payments back in XX/XX/XXXX or XX/XX/XXXX because the house was upside down. and XXXX XXXX XXXX sold it so many times we could not keep track of it. I currently do not have any financial information on this debt. The last letter I have regarding a HELOC is from XXXX XXXX XXXX saying it was being sold to SLS Lending dated XXXX. Even then, XXXX XXXX did not have the amount of the debt nor any history of payments, etc. This letter was dated way back XXXX/XXXX/XXXX. That is a long time ago and I have no way of knowing what my payment history was, fees incurred, who has the original title, transfer or sale dates of the loan., etc. So I have not heard anything about this since XX/XX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from SLS. Something about RESPA and QRW and possible enforcement of the lien. But there is no other information on there. I thought HELOCs did not have RESPA rights to information so I do not understand what this letter is for. I can not afford to make anymore payments as I am XXXX and my wife can only work part time. That is why I received a loan modification for my home on a financial hardship term. I do not have the means or resources to leave my home based on a HELOC that may or may not be valid. We still owe a very large amount of this debt vs. the worth of the home. I will be forced to file Chapter XXXX for protection.

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 06-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use a service called   XXXX   XXXX   that lends money and they are connected to my chase checking account and they need to see recent transactions but my bank is extremely lacking and slow in sending those transactions to a ridiculous point of time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 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 information incorrect

Complaint: I have been told my inquiry and all but one of my accounts were going removed due the branch and hacking there were unauthorized inquiry on my credit file.And old account they were not mine.I called three times spoke with someone they we delete them .They did but returned back a week later.They are adding address and names to account.I have fraud alert on my account in hopes the removed the inquiry and accounts and they said they would.I am so scared about my personal information and wish they will remove the inquiry and all disputes I have seen in to their company.I was told three times  and giving a confirmation that they will remove them.I did not get a letter stating why they keep adding and removing accounts and playing them back due the hack they are really tripping weekly.Please help resolve this .I didnt do any of them inquiry on my credit file and would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I found out after the XXXX data breach and took steps to correct this. I included the following letter, with all the required information ( Theft Report, Affidavit, Credit reports reflecting wrong information, Identification documents, requests to block the information and applicable Federal and State Statutes ) and the Credit reporting companies listed above still did not block the information. Below is a copy of what I sent the respective credit reporting agencies ( XXXX and Equifax ) The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. Here are the protections I am seeking. 
Blocking Bad Credit Information from Credit ReportsThe law ( Revised Code of Washington 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. 
I have enclosed a copy of my Identity Theft Report/Police Report with case number and proof of my identity. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 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: I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on Equifax and XXXX. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. 
In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I received a credit card offer from American Express for XXXX points after spending {$5000.00}. I was approved and spent the money according to terms. I did n't receive the points. American Express has refused to grant the points saying that I hold another credit card and not eligible. The offer was sent to me and now they refuse to honor the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following account that Experian continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE

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 04/26/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: Bank charged for an extra month of rent on the vehicle lease, because they failed to check the return inspection for to verify the auto was returned on XXXX XXXX, 2015. Each letter to the bank results in additional paperwork, without the questions in my letters being addressed. 

I am requesting CFPB 's assistance in getting the XXXX month billing reversed with a refund check. Paperwork from the bank and my letters are attached.

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 01-06-2017 about Student loan (Non-federal student loan) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A California attorney and/or debt collector by the name of XXXX sent a letter to my place of work indicating that she would be suing them on behalf of ECMC. She sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX ( letter attached ). She indicated that she was going to sue the employer for a " debt '' that has already been dealt with by more than one complaint filed with the CFPB. She received immediate communication back on XX/XX/XXXX. In addition, ECMC had claimed that it had retained California attorney, XXXX to defend it against FDCPA claims. XXXX office was contacted, and they continued to claim that his law firm was handling the matter and that there should n't be another attorney. Without respect to the confusion that was caused, multiple email forwards were sent to XXXX indicating that I do not have any debts owed with ECMC. She was told that she was not to contact my place of employment via certified mail, telephone, email and facsimile. She was immediately sent documents indicating that there was no Administrative Wage Garnishment in effect and that there was, therefore, no potential claim against my employer. Nevertheless, she still contacted my place of employment on XX/XX/XXXX, emailed the CEO, and spoke with the CEO twice. She then claimed that she would also be contacting the payroll company. After receiving a Cease and Desist and Notice of Intent to Sue, as well as having complaints filed with the CFPB, ECMC and its agents have contacted my workplace a minimum of an additional seven times and have contacted my former college to attempt to obtain records. Unfortunately for them, the records of the college - which have parts blacked out by either ECMC or the college - reveal that I was fraudulently classified as a law student ( I never applied to law school, and I, therefore, certainly did not attend law school ) and show that I made direct payments to them. This corresponds with my own receipts for payment, which I ordered a hard drive reader to be able to produce for their former attorney, XXXX. ECMC - under threat of lawsuit - and with direct proof of fraud, will not stop. Not only that, this situation has become much worse because my work has been contacted more times now than before I filed with the CFPB, and I have had to research additional agencies to turn to to receive assistance. This is consuming unbelievable amounts of time, and there is no way to achieve a permanent solution. It is absolutely horrifying that you can have a debt collector create this much harm without anyone doing anything to stop them. They need to be put in jail, and this needs to be considered a crime punishable by jail time, because they have literally stolen my money and are attempting to do so again.

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 06-03-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had my student loans through Great Lakes Student Loan Servicing. Starting in XXXX I began making loan payments. I am a XXXX and I contacted them about options. They told me about the Public Service Loan Forgiveness program and how I needed to get into the Income Based Repayment plan. I applied and started in XXXX in the program. For XXXX it gave me a payment of {$0.00} which would count toward the 120 payments needed. XXXX it was {$56.00} per month. XXXX it was {$250.00} per month. XXXX it was {$220.00} per month. And in XXXX it was {$130.00} per month. In XXXX I submitted paperwork to verify my employment which is needed to eventually qualify for Public Service Loan Forgiveness. At that point I received notification from Great Lakes that my payments would not count because my student loans needed to be consolidated through XXXX. I have since switched my loans over but I have to restart the 120 payments. This is going to delay my finishing my loans by 5 years due to XXXX not counting. Great Lakes never informed me that the loans needed to be converted to XXXX and this will continue to cost me substantial money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with United Collection Service, Inc (FL) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid by XXXX XXXX charity program

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed XXXX Inquiries for a credit line for an Auto loan with Equifax. These XXXX Auto inquiries were done on the same date therefore XXXX inquiries should not be on my report but only XXXX. I disputed that XXXX of the inquiries to be removed due to the rules of applying for an auto loan within time frame. The results were that XXXX inquires will stay on report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called XXXX to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being XXXX -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Addresses listed on my credit report are not mine. Only the  XXXX , IL address is mine. I have never lived at the other  XXXX  addresses and need them removed.

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 06/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been paying on this loan for nearly 10 years and my total amount has not gone down. First it was with XXXX XXXX then changed to XXXX and now Fed Loan Servicing. My loans from 10 years ago should had been paid off. Also more of my payments are applied to interest instead of the payment which should n't be so.

Company response to consumer: Closed with explanation