milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've been battling with XXXX XXXX Bank since XXXX XXXX, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX Bank, subsequently XXXX XXXX Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost XXXX year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and Equifax have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX Bank 's callous disregard for providing accurate information to XXXX  and Equifax is truly egregious and XXXX and Equifax 's unwillingness to correct XXXX remove the false information from our credit reports has been extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/XXXX I received a XXXX for year XXXX in my name from EquiFax. On XXXX/XXXX/XXXX I sent letter to EqiuFax which they ignored. XXXX/XXXX/XXXX registered letter to EquiFax requesting information as who was paid funds stated on XXXX as I did not receive them. Also this info should have been available to me prior to XXXX/XXXX/XXXX for income tax filing. EquiFax responded with their dispute form with " Result of our Reinvestigation '', " Please be specific with your concerns by using the account names, numbers, and the nature of the dispute. '' This is a cope out and delaying tactic by EquiFax as I enclosed a copy of their XXXX asking for a copy of who the disbursement was made to and any information where the funds were deposited. 

On the EquiFax web page the only phone numbers that I could find are those where you can not contact a live person and only speak to a robot. EquiFax will do everything to frustrate you in hopes you will give up. In their communications they never cross reference anything and do not respond to direct questions. I searched XXXX and found a number where I could speak to someone at EquiFax. 

I called XXXX on XXXX/XXXX/XXXX and spoke to XXXX who was very helpful and got me over to XXXX XXXX XXXX unfriendly ) who is in their Dispute division and he stated I needed to address this to their legal and I would have to do this thru a lawyer. He also stated that I sent my letters to the wrong dept. and I told him I sent it to the address on the XXXX form. 

I have had a dispute with EquiFax over the period from XXXX thru XXXX concerning a negative in my Credit Report. This was finally settled in a court case and there are no negatives in my report. 

I find EquiFax a horrible company which is beholden to the credit issuers and not the consumer who is an obstacle to their bottom line. All I want is the information related to this XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I made an account on XXXX and tried to link my XXXX XXXX  account. 
However, it shows the message that the CFPB blocked my XXXX XXXX account. 
I do n't know the reason why it is blocked. 

please help me! 

thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX XXXX Bank. I am going to provide the letter from XXXX XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors who inquire about my payment 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 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PAYPAL HOLDINGS INC. (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX XXXX 2017XXXX a person bought merchandise from me through PayPal. The buyer used a credit card on PayPal and made four {$XXXX} transactions and a {$XXXX} transaction. I shipped the items he purchased and submitted the tracking numbers to PayPal. After receiving the items, the buyer attempted to scam myself and filed several disputes with PayPal on the transactions. PayPal started deciding against the buyer and the buyer did a charge back on one item as a duplicate payment to circumvent the PayPal process. I contacted PayPal and they actually stated to me that buyers could do this and there was nothing they could do about it. It was the only way that a person can be scammed on their website. They also stated that the buyer would not be punished for this behavior. I am out {$XXXX} because of this issue and PayPal took the {$XXXX} from my account with them despite having compelling evidence that this was a scam. I requested that I be sent the financial institutions name and phone number that way I could contact them directly and they have refused to provide the information. PayPal must be held equally liable for assisting in a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: As a former college student, I have a few private loans with Navient ( formally known as XXXX XXXX ). I have experienced nothing but frustration when it comes to attempting to negotiate payment plans. Because the loans are private, I have few to none available options. I was recently linked with Navient 's Customer Advocate Department after a previous complaint with CFPB in XXXX, and I have still gotten nowhere. I have talked to numerous representatives that have not " advocated '' for me in any shape or form. Most recently, I have been waiting since XXXX to find out if I was eligible for a Loan Modification Program, and was recently informed by a loan officer while trying to purchase a home, that my loans currently reflect that I am to pay $ 600/a month, which I was informed is because I have a late payment. I was continuously told by Navient representatives that if the Customer Advocate Department is working on my loans, then they will not be late. Obviously not true. This process has been nothing but frustrating and as a hardworking woman, I have struggled with being able to make payments that are expected. I have consistently made payments, when I was able to pay what was expected, every month, on time, even paying a lump sump payment towards XXXX loan. Navient has made me question being a XXXX, especially considering that my income is not sufficient to pay what is expected. Speaking to Navient representatives to like speaking to someone who speaks a foreign language and has no clue of what I am talking about. This has by far been the most frustrating process, and I have yet to get anywhere after writing complaints, speaking with multiple representatives, and even supervisors. What 's most frustrating, is that the reason I pursued a degree was to be able to provide a better life for myself, and at this point I am XXXX guessing my decision. I would be so appreciative if I could be granted some assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I bought a house a could n't really afford. I never made a payment. When I was 3 payments behind, I sold the house. It sold for substantially more than I owed and even th the late fees, etc. were covered by the sale. The day it closed, a collection person from the mortgage company called to say he would not accept the payoff funds unless I came up with an additional {$1200.00} THAT DAY. If I did not, he would reject the payoff funds and begin foreclosure proceedings. I paid that amount through the escrow agent and the sale closed. A full 10 days later the mortgage company filed foreclosure on the house, naming me AND THE NEW OWNERS as in default. I was able to get the trustee agency to close the file, but not before it was reported to all XXXX credit bureaus on my credit report that I had an ongoing foreclosure. My attorney wrote them and demanded the foreclosure be removed from my credit reports, along with the XXXX late payments as they had been paid in full. To my knowledge, they removed the foreclosure from XXXX of the XXXX credit bureaus, and 2 of the late payments. My understanding is that XXXX still shows the foreclosure and 4 late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from ARA Inc. stating I owed a debt to XXXX XXXX. I have not had an account with XXXX in over 25 years.

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 Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.

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 03/31/2017 about Student loan (Non-federal student loan) with GREAT LAKES (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been paying on this private student loan for years. On XXXX XXXX, 2017 I received a letter from the student loan company stating that " We recently reviewed your account and created a new payment schedule. The previous monthly payment amount would not have paid your loan in full within your current repayment term, so your monthly payment amount needed to be adjusted. '' The new amount is over {$16.00} more per month. Additionally, when I submit a payment that is over the amount due the remaining portion is not added onto the loan each month. Its simply rolled over to the next month which they then say I owe less for that months payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit 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 explanation
Consumer complaint received 09/13/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We recently paid off our HELOC. We have been getting statements regularly from them for a few months. Called to close the account and was told that we need to pay a fee to draw up the papers to see if we could close it. I complained about this and the representative said they would draw up the papers and waive the fee. I just got a statement from them and it says they want us to pay XXXX separate fees to close the account. This was not disclosed to me and seems wrong. The statement clearly shows XXXX due. I should not have to pay for them to close the paid up 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 12/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company NATIONSTAR ruined my credit rating for no reason. 
I just received my annual credit report from XXXX in which it states, that I have not paid my mortgages for over 5 months and I 'm seriously delinquent. 
They also state, that I owe Nationtar an amount of {$2100.00} --, which is also untrue. 
Nationstar in fact owes me approx. {$800.00} in overpaid escrow fees, I owe them no money. 
And I have also never been late paying my monthly mortgages during the 10 year of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is not posting payments in the amount received. We are sending XXXX they are only posting XXXX. They are also not posting in a timely manner. We paid our XX/XX/XXXX payment XXXX/XXXX/16. As of the statement we received on XXXX/XXXX/16, the payment does not show how much went to Principal and interest. The online website does. Also their statements are only sent out 4 days before the duedate. See XX/XX/XXXX statement date of XXXX/XXXX/16 due XXXX/XXXX/16. We have made our XX/XX/XXXX payment on XXXX/XXXX/16 and it has yet to show on their website or the statement. It is taking sometimes up to a month to post a payment. 
They are also charging a XXXX legal fee. after much discussion and no reason as to why that was charged they finally removed the charge. This has happened every month since they bought the mortgage. 
I have tried every month since XXXX 2016 to resolve the issue with the payment amount without success,

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a 5 year loan modification with XXXX XXXX, who then sold it to XXXX XXXX XXXX and then XXXX sold it to Nationstar Mortgage. In XXXX of 2014, the original 5 year modification ended and Nationstar sent me a letter stating my mortgage payment went from {$1200.00} / Month to {$2200.00} / Month, which there was no way I could afford. I tried to do a loan modification with Nationstar, and after a few months they came back to me and said " Congratulations, you 've been approved ''. My new monthly payment would now be {$2100.00} / months. Wow! They took off a whole {$14.00} per month. I have been trying to work with my Loan Modification specialist to work something out but they are very unresponsive and will not get back to me for weeks, in some instances. Now, it appears they will either send me a default notice or possibly have me do a short sale or cash for keys, and be out of my home of 14 years in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: I opened a checking account on XXXX XXXX, 2016 with the Branch Manager, he offered me overdraft protection. He advised me that, the overdraft would cover changers if I did n't have the available funds in my account, and as long as I deposited the funds to cover the transaction I would not be charged any NSF fees. The morning of XXXX XXXX, 2016 I overdrew my account by {$10.00} getting gas at XXXX. That same day I made a cash deposited in my account of {$20.00} to cover the transaction from the morning of {$10.00}. My account reflected a positive balance of {$14.00}. The NSF charged for the transaction posted to my account two ( 2 ) days later and caused other transaction to be declined and more NSF Charges. I was unware due to the statements the branch manager advised me of when selling the Overdraft protection to me. I called Compass Bank to make a complaint and get this rectified on XXXX XXXX, 2016. I was told by rude agent that someone from the corporate office would be calling me back. I still yet to receive a call back and my account has not been corrected to date and more fees are occurring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern, XXXX XXXX XXXX asserts that I owe a debt to XXXX XXXX when I never held an account with this XXXX XXXX. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to XXXX XXXX Solutions, the alleged debt was being claimed by Pinnacle Credit Services. I disputed the matter with all XXXX credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to XXXX 

They list their mailing address as : XXXX. XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Enhanced recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against enhanced recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After reviewing my Transunion credit report I was very concerned to realize that I had XXXX negative items listed that are both medical cebt from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Transunion I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Transunion and XXXX XXXX multiple times. I do n't know how Transunion or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Transunion the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX

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 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX XXXX in conjunction with certain lenders have used predatory lending practices, overcharging people for the education- being unclear on the nature of these loans- and the end result are degrees with no value as there is no accrediation and the degrees are bascically worthless.No ability to transfer any credits to further education, impossible loan amounts with high interest, We feel we have been ripped off and left with nothing but a huge amount of debt.

Company response to consumer: Closed with explanation