milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Can't contact lender or servicer

Complaint: I have received this company info on my credit report for the past year. I have attempted to find a contact number for them on various websites such as XXXX and XXXX. All I find is rip off reports, a complaints. i have tried numerous phone numbers and repeatedly get hung up on. I placed a dispute through XXXX stating I do not remember taking out the loan. I got a response back saying " Account information disputed by consumer, meets FCRA requirements '' No one seems to know what that means. I have no record of taking out the loan or any documentation proving it. I asked the people that have answered the line to send me some proof of the loan and then I can agree to pay they just tell me to pay the loan and hang up. The amount of the loan is {$1300.00} allegedly opened on XX/XX/2015. If I opened the loan and are responsible with proof, I will gladly pay it. They can not provide anything for me. They are going by two names XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Even after correcting past incorrectly applied payments in response to an earlier complaint to CFPB, Navient continues to apply payments to the wrong loan when the payment amount and loan number are clearly indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the payment as indicated on the payment slip. Telephone representatives refuse to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, I received a notification from ( XXXX ) an agency that monitors my credit and alerts me to anyone pulling my credit. I was informed that Equifax placed on my credit that XXXX had pulled my credit for a credit card. I called XXXX and they reported that no such thing happen. XXXX told me to dispute the inquiry on my credit report. I went online to try to dispute, but Equifax would not allow me to dispute online. So I called them today, and the woman told me that they do not allow for inquiries to be disputed. I asked her when did this start, because 6 months ago I had to dispute inquiries and incorrect information on my credit report and after they investigated, the corrected the information. The lady on the phone told me they have never allowed anyone to dispute inquiries. Equifax had extra SS numbers on my credit report, and incorrect credit inquiries on my credit report. I asked to speak to her supervisor, a man got on the phone and told me he was not going to investigate because it was an accurate public inquiry. I told him that I had spoke with XXXX and they even denied pulling my credit. I have noticed a consistent pattern with Equifax, as soon as an inquiry falls off my credit, another one appears, there are there are a total of XXXX unexplained inquiries on my credit report from Equifax that they refuse to remove or investigate, XXXX and XXXX are on the same page, I only have XXXX inquiries, but with Equifax i have XXXX and XXXX are unexplained. 

This was an inquiry on my credit on XXXX/XXXX/XXXX from XXXX, they flat out refused to investigation and told me this would continue on my credit report till XXXX/XXXX/XXXX. I would like this inquiry removed, I did not make this inquiry and XXXX validated the information..

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Mortgage debt) with NCC Business Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The accounts are paid in full I would like them removed from all credit reporting agencies.

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 10-03-2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was using XXXX 's " XXXX '' online tool to see what credit cards I might be qualified for. I did so because XXXX 's webpage stated that doing so would result in " no impact to your credit score : A soft credit check will be performed when you fill out this form. This will be noted on your credit history but is not reported to lenders. This does not impact your credit score in any way. '' ( see their webpage URL at : XXXX ) However, despite XXXX 's stated assurance that there would be no hard inquiry on any of my credit reports or any impact to my credit score, my Transunion credit report immediately reported a hard inquiry performed by XXXX which resulted in my credit score being decreased by XXXX points and my overall credit inquiry level being downgraded from " good '' to " fair, '' thus significantly impacting my overall credit report. I am very upset about this blatantly false advertising and I am therefore asking your assistance because I believe I have been defrauded and misled to my detriment by 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 explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My school loan was a ten year loan and I made payments to the first company,  XXXX , who owned the loan begi nning in   XX/XX/XXXX . Then the loan went over to   XXXX   and I continued to make payments without any problems. In  XXXX  the loan went over to ACS and I continued to make payments. After the ninth year of my loan ended I contacted ACS to find out my payoff amount as I wanted to pay off the loan then and not wait another year. At that time I was informed that my loan was a fifteen year loan instead of a ten year loan and that it was about to go to default. I was told that I would have to pay to bring the account up to date and file paperwork to keep it from going to default. I made the payment ( ACS has no record of this payment ) and sent in the paperwork and it still went into default. I have been trying to get a copy of my master promissory note from ACS. Six months after my request they finally sent me paperwork that I was unable to read ( the words and letters were from no known language certainly not in English ). For some reason ACS does not have the MPN or the supposed updated loan information that changed my ten year loan to a fifteen year loan. They also do not have any record of my payments that were made to   XXXX   and  XXXX  even though ACS is the company who services the loans for  XXXX . I just contacted them again and I still have not reached a satisfactory conclusion as to my situation : a copy of my original loan of ten years, when and how the loan could have been changed to a fifteen year term without my permission or knowledge, why they do not have a record of my payments made before they became the company that serviced my loan ( ACS services   XXXX    school loans so that is not a valid excuse ), how they lost my last payment to them, and finally how they could have sent my loan to default when I made the payment to bring it up to date and sent in paperwork to keep it from defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Payoff process

Complaint: Bank of America has misreported a balance on a credit card that I paid off over 6 years ago. I noticed it was still on my credit report when I checked it in XXXX. I 've written them and disputed with the credit bureaus however nothing has been resolved. The balance should be showing {$0.00} Please assist

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 07-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I first sent Asset Acceptance a letter in order for them to verify the debt owed and they responded, however the account was past the SOL. 

Since their response, We had agreed to settle the debt in exchange that they will remove the following account from my credit report. However they have not complied with the agreement, and the account remains open and reported as unpaid. I have paid them, and they are saying that it will take __ amount of days to receive a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY ().
Issue: Deposits and withdrawals

Complaint: Please review prior complaints numbered : XXXX and XXXX. 
This complaint is a follow up to the XXXX prior complaints, and refers to untruthful statements made by Well Fargo in reply to BOTH the prior complaints. In summary, Wells Fargo alleges that I can transfer money from my US Wells Fargo accounts to my bank in the XXXX XXXX using the Wells Fargo online system. I have a Wells Fargo on line account ( despite the Wells Fargo repeated assertion that I do not have such an account ). I phoned the Wells Fargo phone Help Line today to help me transfer funds. They told me today that there is a tab on the online web page ( the tab is allegedly called " Wire Transfers '' ). No such tab appeared on my session with the Wells Fargo on line system. Wells Fargo asked me to reboot my computer, which I did. When I logged on to the Wells Fargo online system again, there was STILL NO SUCH TAB and no such page on their online system. Wells Fargo have told the CFPB in writing, twice, that wire transfers can be accomplished from the US to the XXXX using their online system, but today, even with the help of the Wells Fargo phone Help Line, Wells Fargo could not demonstrate that this transfer capability even exists.

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 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My complaint is with the Emergency Room Hospitals in XXXX Florida. I went to the ER and was admitted, bills were submitted to XXXX and paid. However, a doctor in the ER did not submit his billing until a year later and due to my move, 2 years later ( this week ) it was on my report. XXXX was contacted and they never received the bill. This has happen numerous times and now its on the report. In addition, TransUnion put it on their report XXXX and now I am denied housing. XXXX is going to pay as soon as they contact the hospital. This is unjust to the consumer/patient when you provide the information and all these doctors you have no knowledge of bill years later!!! I was at XXXX XXXX Hospital in XXXX, FL. XXXX XXXX XXXX Hospital also billed separately but I was still located at the same address and was able to resolve it with XXXX. Finally, on the report it states I have another name of XXXX XXXX This is not my name and never have I used this name. I want it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 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: An unknown account, XXXX XXXX is currently reporting on my Equifax credit report which does not belong to me. The account also was reporting on my XXXX account which was disputed and deleted from my report. Equifax has not provided me with any mechanisms or procedures in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (NC).
Issue: Struggling to pay your loan

Complaint: An outside company keeps calling me and threatening me. They said if I don't pay back XXXX today, XXXX in 3 monthly installments or XXXX in 18 months then they will pursue legal action against me and I will have to pay them XXXX. They have called human resources, my number and other numbers at my job to employees that I don't even know and leaving messages. There number is XXXX Ref # XXXX. They are an outside agency that has bought my file. I have asked them to stop calling my job and they keep doing it. I got the loan back in XX/XX/XXXX or XX/XX/XXXX and was struggling to pay it back. This is very stressful and a hardship at work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was a special at XXXX indicating free transfer of old phone service to XXXX. My husband returned the XXXX XXXX phones the next day due to being mislead of paying off my old account ( different vendor ) upfront. We had no service and XXXX would not change our plan to theirs until we paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding is illegally reporting a re-aged charged off account on all XXXX of my credit reports. I disputed this information with Equifax credit bureau and they informed me that Midland Funding verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX ACCOUNT # XXXX amount XXXX date 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 explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax compromised my identity. Their system was hacked mid XXXX, but they did n't announce it to the public, I was vulnerable to identity theft. since they did n't announce it to the public, I was n't able to take any measure to protect myself from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of XXXX XXXX . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD XXXX LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND XXXX REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. XXXX is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of XXXX failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!

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 02-09-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Account opening, closing, or management

Complaint: Bank of America refuses to transfer my mother 's IRA to another bank. We decided to move it from BOA because they refused to do a change of address or a direct deposit of the required IRA monthly withdrawal of funds. The checks, good for only 90 days were repeatedly mailed to an old PO box we wanted to close out and three times we had to ask for new checks to be issued because the checks had expired by the time we received them. For no valid reason, BOA failed to direct deposit the checks despite my filling out the forms. It even took a month for the forms to arrive within the same town. XX/XX/XXXX I asked XXXX XXXX Bank to initiate papers to have the IRA transferred to them from BOA. BOA has dragged their heels and refused to transfer the funds despite repeated phone calls. BOA has a reputation for being extremely slow to release funds or respond to requests. We feel they are a shady and questionable bank. We want the IRA transfer to XXXX XXXX to be done immediately and for BOA to relinquish all hold and illegal use of the IRA money without permission. We believe without outside intervention they will string us along indefintely, ignoring the transfer request and continuing to illegally benefit from the funds while depriving my mother from their benefit. I am her legal guardian of person and estate and BOA has had these papers since XXXX 2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX ,   XXXX  ,  Portfolio Recovery Associates,   LLC made a settlement offer to settle a debt. The original creditor was   XXXX   XXXX   XXXX   XXXX   and the credit card debt balance was {$5200.00}.  Portfolio Recovery Associates, LLC , the debt collection agency on behalf of   XXXX   XXXX   made an offer in writing and mailed it to me offering a savings plan that I could mak e 1 P ayment of {$4200.00} and SAVE {$1000.00}. Your account will be considered Settled in Full after your final payment is successfully posted. Your first payment must be received NO LATER than :  XXXX / XXXX /  XXXX   I mailed a check to  Portfolio Recovery Associates, LLC  for the amount of {$4200.00} along with the settlement offer and my agreement to their settlement terms. My settlement terms were that the debt for the account would be considered settled in full like they offered and there would be no future collection of the debt.     I mailed the check and agreement to their settlement terms by USPS priority and it was delivered to an individual on  XXXX   XXXX ,   XXXX  . That same day  Portfolio Recovery Associates, LLC  cashed the check. In  XXXX ,   XXXX   I observed on my credit report that there was a collection balance for the amount of {$1000.00} and the collecting agency was  Portfolio Recovery Associates, LLC . I disputed this telling my credit reporting agencies that this debt was settled and paid.  Portfolio Recovery Associates, LLC  also disputed that I owed this debt while fraudulently withholding information from the credit reporting agencies that they had offered to settle my debt. Instead, they shared credit card statements from   XXXX   XXXX    stating this debt was mine. I do not disagree this credit card debt was mine. However,  Portfolio Recovery Associates, LLC  made a settlement offer and is not closing collection accounts as settled in full on my credit report when I agreed to their terms and made a payment in the full amount requested in the time frame requested. They are illegally reporting false information on my credit report to all three credit bureaus,  XXXX ,  XXXX , and  XXXX .     I have attached copies of their written settlement offer to me, a copy of the check I sent to them, a copy of my agreement to their settlement offer, a copy of the USPS Priority shipping label, a copy of the delivery notice, a copy from my bank showing they cashed the check, a copy of their dispute, and a copy of original credit card statement.

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

Complaint: Equifax has had a major data breach which released potentially 143 Million people 's personal credit and financial data to a person or group of hackers, in an unencrypted, plaintext format. Checking on their own " are you affected '' site ( https : //www.equifaxsecurity2017.com ), it states that I may be affected by the breach. They then offer an Identity protection service, of which they mandate that you opt out of any potential future legal action in the terms of service. 

Also, when attempting to check what data they had through XXXX, I was told their " system was down for maintenance '' and I could not access that Federally Mandated data. I have already submitted a complaint about that to the XXXX contact page. 

Now my data is exposed, in plaintext, for sale to the highest bidder on the darkweb, and I ca n't even access the data that supposedly the hackers got, much less are guaranteed any kind of security in the future.

Company response to consumer: Closed with explanation