milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 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: We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed. Equifax has verified it and removed both from my credit but  XXXX  and  XXXX  still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Account opening, closing, or management

Complaint: I spoke with the bank Representative around XX/XX/2017 to request a payout information for my HELOC ( Home Equity Line of Credit ). The bank representative never disclosed to me about any fees whatsoever. A few days after that I notice a {$25.00} fee assessed by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of deployment, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from EXPERIAN saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

Experian, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by Experian as well, I 'm disgusted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from 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 07/14/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Credit decision / Underwriting

Complaint: I have a XXXX and XXXX mortgage with Bank of America - they are Interest only balloon loans. The first expires this month - I have been working with BofA to get a new loan - which they said I have to go through a complete refinance with an appraisal. They set up the appraisal ( using a BofA company for this ) and charged me {$460.00} for the appraisal. The appraisal came back to low according to them so they had me contact an RE agent for comps in the neighborhood that reflected a higher price. I thought they could do that - but I did and he sent those in. Well no response from them so I requested an update and was told the value stayed where it was and the loan declined. 

I have good credit - not missed a payment in the entire life of the loan - 10 years - and am declined so they can charge me a higher interest rate for the exact loan they say I am not qualified to get ... .Oh and the extra money for their appraisal. 

I do not see any good faith or good consumer focus in any of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The New York State Supreme Court had dismissed the XXXX XXXX Bank XXXX in the index number XXXX,. I have enclosed the copy of Supreme Court order. Experian Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Experian did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.

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 08/18/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello my name is XXXX XXXX, due to a hardship, I couldnt work and fell behind on my mortgage. I started a modification with XXXX XXXX XXXX, and submitted all my paperwork, however Caliber Home Loans bought the loan. XXXX assured me that the modification would be transferred to Caliber Homes, and I would not have to submit ADDITIONAL/NEW paper work for the modification to Caliber Homes Loans. Unfortunately, I was mislead, because Caliber Homes Loans did not have any of my modification paperwork. I recently attempted to submit my modification paperwork to Caliber Homes Loans, but they wont accept it, because there is now a foreclosure sale date on XXXX XXXX, 2015. This is very unfair, because I was promised by XXXX that my paperwork was submitted to Caliber Homes Loans, but again it wasnt, and when I tried to submit it modfication paperwork, but they wo n't accept it, which means I will be homeless. I am single mother, and now have income for a modification loan, so I am beggin and pleading for the chance for a modification, so I wont be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from MCM on XXXX XXXX, XXXX, stating that I had a debt in their office regarding my XXXX Bank account. In XXXX XXXX, I called and spoke to XXXX at extension XXXX, at that time she made me a settlement offer of {$830.00}. I asked before I paid the amount would that close the account? She replied that if I took care of it that day that it would close the account with a zero balance, so I paid that amount that day. As I check my credit report, XXXX XXXX Bank is still showing the balance and a charge off, I have contacted XXXX on numerous accounts regarding this matter with no success. I have disputed this account with all three credit agencies with no success. So today I get an updated credit report on XXXX XXXX, XXXX, and MCM ( Midland Funding ) is reporting a past due balance of {$250.00} ( the amount from the original balance {$1000.00} from the settlement offer of {$810.00} ). When I called MCM I got XXXX different numbers to call as their office did n't handle the case. I finally spoke with XXXX XXXX XXXX XXXX ext. XXXX ) that informed my wife that he would look into and that he would ask for an update. I informed him that I have the bank statement where the monies was paid on that day and that XXXX sent us a letter where the debt was paid in settlement. XXXX informs me that once he receives the update that he will send out additional letter stating that there is a zero balance as well as contact the credit reporting agencies showing that is a zero balance. That is unacceptable as the debt was paid in XXXX XXXX and MCM did not report the debt until XXXX XXXX. I think that it should be removed as it was reported incorrectly. MCM has called family members and neighbors even after the debt was paid in full. MCM has also stated that there are additional debt in their office and I can assure you that they are not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: We have auto-payment for our mortgage set up, going from our bank ( XXXX ) to our mortgage company ( Nationstar ). We have bank statements showing those payments have occurred consistently and have not been returned or rejected by Nationstar. They told us that they do n't have record of our last 3 months of payment. We have submitted bank statements and yet they still ca n't get this fixed in their system ( they have now found the payment for one of those months but not all months, and have indicated that some of the payments we sent were incorrectly applied, but tried to blame that on us instead of taking responsibility and fixing it ). They even sent our case to their collections department, where the staff were belligerent as well as unable to solve the actual problem. Now our credit report shows that we are 30 days late on our payment. They have assigned late fees, which should be removed. This is not the first time they have wrongfully assessed late fees on our account. We have attempted to resolve all of these issues with Nationstar and despite hours on the phone and providing the documents they request, we do n't see this being resolved easily. Thanks in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX,2016 XXXX XXXX XXXX placed a collection on my credit report for {$2800.00} AND I DONT KNOW WHAT FOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Pursuant to FCRA Section 611 ( a ) ( B ) ( ii ), Equifax is required by law to inform me within 5 days reinsertion that they are adding anything back to my report. On XXXX I obtained a copy of my credit report via XXXX XXXX. Said report showed that Equifax deleted XXXX from my credit report. On XXXX, I obtained a copy of my credit report and said deleted account was REINSERTED on my credit report. This reinsertion dropped my credit score! 

Equifax failed to notify me pursuant to FCRA Section 611 ( a ) ( B ) ( ii ) ; therefore, they have broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site www.entergy.com regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX ENCLOSED **

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax has not followed up with me on prior complaint CFPB XXXX. They are ignoring this complaint. On XX/XX/XXXX, they responded to referenced complaint # that they needed more time to follow-up, and if necessary, Equifax stated they would contact me directly. Today is XX/XX/XXXX. That 's more than 3 weeks later. I have not been contacted. 

Equifax, the answer is easy : please refund my entire year subscription fee since you failed to ever set a fraud alert on any of the credit bureaus during the 8 months that I paid for service. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i lost my job while pregnant and i was experiencing financial difficulties as a result of unforeseen circumstances. bank of american never let me defer student loan payment s or place me in forbearance. the loan then went to a collection agency as a result. this defaulted loan is ruining my credit and i would like to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: Statement date XX/XX/XXXX received notice from Ditech of escrow shortage in the mail.
Tried to call several times but could not get through due to heavy call volume due to the hurricanes.
Statement date XX/XX/XXXX received notice of service transfer from Ditech to XXXX XXXX XXXX XXXX. It clearly states Ditech will stop accepting payments received from you after XX/XX/XXXX. 
Called upon receipt of the service transfer notice and spoke to XXXX customer service rep # XXXX about the shortage and service transfer. 
XXXX told me I needed to make no payment until XX/XX/XXXX because of the service transfer and that she was applying undeclared extra funds paid to my account to the escrow shortage, a late fee, and principal. I would send extra money every month thinking it would be applied to any shortages and principal. I requested a statement describing what she had applied to our account. She said she could not provide one at that time.
I just received a debt collector notice from XXXX dated XX/XX/XXXX. We make our payments every month and pay a little extra. I pay bi-monthly due to our finances. We did not pay XX/XX/XXXX because XXXX, XXXX informed me NOT TO PAY. We have no idea what is going on. 
I have not received a bill from the above named new company as of XX/XX/XXXX. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Federal student loan debt) with NELNET, INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: similar to previous complaint  XXXX  on NELNET.COM - TERRIBLE I continue to get emails asking for sum total of {$1700.00} in emails, i login to Nelnet to double-check the amount due, which is consistent with emails {$1700.00}.     BUT - when the day comes to pay (  XXXX  of month, as stated online and in emails ) ... THEN the amount due changes by several hundred dollars.     i 'm sick and tired of being stressed out about this ; set the monthly payment @ {$1700.00} and stop fluctuating!!!!!   - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote all XXXX credit bureaus : Experian, XXXX and XXXX asking them to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. I demand to see verifiable proof ( an original consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed in my letter. However, their only response is that the accounts were verfied by the creditors but they still have not sent me anything showing me proof nor with my original signature That 's because they do n't have anything to send, so these accounts must be deleted a.s.a.p. I am a litigious consumer and know my rights. I am seeking legal actions.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: lexis nexis is stating on my report that I was involved in a motor vehicle accident and I was at fault on XXXX XXXX  2013 So ask them furnish this report to verify this information since they are reporting it Where are they getting this from produce the police report

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called TransUnion to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both TransUnion and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Recently I was informed that I have a loan with a company called Navient. I explained to the representative that I was unaware of any private loan and that I am unable to pay the loan at this time. I also explained that when I consolidated my student loans I was told this would include all of my student loans based on the ( NSLDS.ED.GOV ). I have explained that I am on an income based program with the consolidation of my student loans ( Direct Loans ) with determined that based on my current income my income is not sufficient to make payments at this time. I asked the representative for any options on cancelling or doing something similar with this loan payment she stated there are no options to do that and that I should ask my XXXX grandmother who does not work to help make the payments. I am not sure how she expects and elderly woman that I care for and support to make payments either. I truly feel she did not intend on helping me an any way!!!!

Company response to consumer: Closed with explanation