milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX, a security freeze was placed on my Equifax credit file at my request. The security freeze was indicated in my credit report when I accessed it in XXXX and XXXX. When I accessed it recently, in XXXX XXXX, the security freeze was no longer indicated. This is an error I never requested nor initiated removal of the security freeze. 

On XXXX XXXX, XXXX, I wrote to Equifax describing the error and requesting that the security freeze be reinstated. They replied on XXXX XXXX, XXXX, treating my letter as a new request for a security freeze and saying they could not act on the request without additional information -- information which was included in the documents attached to my letter. 

Copies of my letter XXXX with attached documents XXXX and Equifax 's response are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Tulsa Adjustment Bureau (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I paid the bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.

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 04-02-2017 about Debt collection (Mortgage) with Hunter Warfield, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My name is XXXX, Hunter Warfield is a debt collection agency. XXXX are using them to collect a debt I owe. However they call my parents house daily now its twice daily. They have an automated service calling you can never speak to a real person. Plus they are listed on my credit file twice. I have paid them so far {$100.00} dollars and after I paid them the {$100.00} is when they started calling twice. I do not know why they are calling my parents number and not mine. Please help with this matter. I do not know what to do to get them to stop calling my parents. 
My email is XXXX phone number is XXXX I am on XXXX and XXXX at night so I sleep during the day, if I miss you call I will return it the next business day. 
Thank you very much for you help in this matter XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Auto) with C & M Associates Group, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Caller was from XXXX and XXXX. Called me on my cell phone which I did not provide express consent to call with an automated dialer. This is a violation of the TCPA. The name of the organization left in the automated message implied a lawfirm, which is in my opinion unfair and deceitful. When I returned the call, I was informed this was a purchased debt from a XXXX deficiency, and is way past statute. I was not given the mini-Miranda, was not provided a written notice within 5 days of my right to dispute the validity of the debt. FDCPA violationsVerbally informed them they do not have my consent and if they thought they did, I revoke permission to call me on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: Several problems : Bank of America dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. 
Thank you for looking into this matter.

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 09-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the  payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: This is the second complaint against SunTrust Mortgage. In our first complaint, servicer in a unilateral decision changed terms of our mutual loan modification reached in XX/XX/2015, increasing my rate and switching the same from fix to an adjustable. This original complaint was resolved, but now Suntrust Mortgage is wrongfully calculated the monthly dollar amount on my interest payment for the next 20 years remaining on my mortgage. 
As result of this servicer mistake, I ending paying {$7.00} for the next 20 years remaining on my mortgage loan.

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 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Afni stated they would sue me if I did n't pay them the required amount of money owed. This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX improperly represented themselves as working on behalf of apartment complexes who charged off the debt I owed. Two representatives stated that the apartment complexes would not accept less than 70 % of the debt. One manager stated that " the client '' not accept less than 80 % on a debt, and constantly referred to the client being the entity setting the terms on this charged off debt. When I spoke to a third manager today, XXXX, I told him that I contacted the apartment complexes who confirmed they charged off the debts and that none of the money I paid would be sent to them. XXXX stated " That is correct. The apartment complexes wo n't get the money, their management companies will. '' This is also inaccurate as I contacted the management companies for both of these complexes and they also confirmed that none of the money I would pay would go to them. I recorded our conversation where he states that money would go to the management companies of these apartment complexes, and have attached them. XXXX then replayed my conversation where I spoke with the previous day, which I also recorded but was not able to add as the file is too big. I can provide a copy upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Kross, Lieberman & Stone, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.

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 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX Todays Date : XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL 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 09-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I inherited a condo from my mother after she passed away. Bank of America holds the mortgage on it. In summary, after sending in the executor information multiple times ( I even walked them into a branch and received documentation that they received ). Bank of America continued to say that I had not sent the docs and would not take payments from me as I was " not an approved person to speak to ''. As a result, I not only incurred XXXX of dollars of late fees, but ultimately the loan was put into foreclosure. I was finally able to pay the balance, but in the end have incurred over {$1200.00} of fees because of their incompetence, let alone the hours and hours and hours that I spent trying to rectify this. While I am now received statements and am able to pay the loan, if I call to ask any questions - for example, I 've been trying to set this up for payment on line -- they still insist that they do not have any of my documentation and they ca n't help me. The loan has now been sold to XXXX XXXX, who is saying that they ca n't speak to me because they have no documentation that I am the executor. I am copying you on a letter that I sent to XXXX XXXX, the CEO of Bank of America, both by email as well as in hard copy on multiple occasions, with no response. My ultimate objective is to 1 ) be sure that the banks acknowledge that they have my documents stating that I am an executor and that they can talk to me/take payments from me/set up on line payment with me, and 2 ) receive a refund or credit of the over {$1200.00} in fees I incurred over the course of this process. If I was not as persistent, aggressive, and knowledgeable as I am, I may have lost the condo to foreclosure -- it occurred to me that there could be XXXX if not XXXX of people that would not have been as persistent nor had the knowledge to get something done, and would have unnecessarily lost their home -- this is unacceptable! That combined with the fact that I 've had XXXX response from anyone with the multiple complaint letters and phone calls I 've submitted is truly scary..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.

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 02-10-2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (CO).
Issue: Settlement process and costs

Complaint: I refinanced my home in XXXX XXXX with Loan Depot, in early XXXX they sold the loan to another vender. Recently I went to get a HELOC and when the title search was done it was noted that Loan Depot had filed multiple Close End Deed Trust against my home ( see Attached ) when they should of only filed XXXX. I have contacted my current lender and they said Loan Depot had to clear these, I contacted Loan Depot several times with extensive conversations and they have tried to refer me to everyone else. I finally went to the county and they said Loan Depot has to clear these. Again I contacted Loan Depot only to be told now they can do nothing for me since I do n't have a loan with them. I need to have them clear the Liens against my home which they falsely filed. I have spent upwards of 100 hours doing the foot work to get this resolved and Loan Depot has been unhelpful at every turn.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a customer of Specialized Loan Servicing LLC ( SLS ) for the past ten years. My mortgage payment is due on the XXXX of each month. I typically pay it on the XXXX ; however, occasionally I must wait until the XXXX. The payment is not considered late until the XXXX, so this should not cause a problem. Unfortunately, each time I wait until the XXXX to pay, the company reports my payment as late. They have explained to me that their computer does not have the ability to recognize payments that come in on the day they are due. This is unbelievable and, if true, should be illegal.

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 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been wrestling with this loan payment since graduating in XX/XX/2008. Hindsight being what it is, I was not so subtly guided towards taking a loan out from Navient ( then XXXX ). While I have been able to temporarily reduce payments by way of forbearance or interest reduction rates, they have been just that -- temporary. What there is no transparency of or any information relating to is how temporary these " assistance '' programs are. You are only allotted up to two years of forbearance relief before they simply tell you, " You ca n't renew this program as you have used up your allotment '' without any warning leading up to it. The reduced rate interest programs are good for a year. You can continue to attempt to apply for them, however even if you are accepted your base monthly rate will still increase. My reduced monthly rate went up 61 % from the first year to the second. When I tried attempting to go for the third year, I was told that I make too much money, and now my monthly payments are higher than what I pay for rent. Terrible practices, not enough information, and no relief programs in sight. Borrowers beware : Never take a private loan unless you are 1,000 % certain that you are well within your means to pay it back immediately! Unless I find some relief, this will be hanging over me the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today I got a message from a Bank lender saying that i had a debt collection note from Diversified Consultants on my credit report. I called them and I asked if they send any information or called me regarding this issue before putting the collection note on my credit report and they said no that they did n't have current information. I told them that I needed that note deleted and they said it is submitted we cant to anything. 
At this point I have a note dispute on XXXX, XXXX and XXXX. I also filed a complaint for XXXX on FTC. It is unbelievable how companies destroy people records without any care. My credit score is today XXXX points lower due to this issue. This is abuse and it should be investigated and punished.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up!

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.

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 02/15/2017 about Debt collection (Payday loan) with CASHCALL, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called an requested a payoff and sent payment on the date the payoff was requested. Then an attempt was made to draft my account for an additional {$290.00}. I called and they said the payoff was only good for that date and that my payment was not made on that date. So they tried to charge me a return check fee and said I owed another {$48.00} in unpaid fees. So they are charging me {$350.00}. I requested a 10 day payoff so I am sure this would be paid in full so I would not have any problems with my bank but wanted to file this complaint because the letter they sent me indicates they could charge me again. The 10 day payoff is for {$370.00}. I am going to pay {$380.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation