milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My name is XXXX XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, XXXX had automatic right withdrawals to my account. 

When the nature of the loan changed, XXXX stopped the withdrawals from my bank account. XXXX claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, XXXX had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. XXXX never even bothered to respond to either inquiry. 

I would like XXXX to remedy this wrong and withdraw their falsely alleged complaint to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Medical) with Collection Management Company (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt was opened in error by the Provider, who knew that was opened in error and never stopped it from being sent. I went to the doctors office and never received the service, which was still billed. I called my insurance company and they advised they were unable to stop the claim the doctors office would have to do that. 

I then left it alone and never followed up until I went to make an appointment and was told I could n't as there was a billing issue. I spoke with the billing department who cleared the issue and noted they did see in their notes of the mistake. I also asked them to have this pulled back from collections as it was sent in error. The billing department for XXXX XXXX XXXX XXXX XXXX said it would. This call was done in XX/XX/XXXX and still reflects on my credit report. 

The debt agency, which is a third party also made multiple contact calls to my cell phone, without my permission from a dialer. 

I also submitted a credit dispute as the item was reflected on my credit report, which was rejected and the collection agency said it is not their fault they are just collecting the debt.

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 10/26/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Toll Free Fax ( XXXX ) XXXX ( XXXX ) XXXX I received a notice from XXXX on XX/XX/XXXX. NCC is actively seeking to collect a debt of XXXX dollars placed by a manager of XXXX XXXX XXXX XXXX/XXXX against me. However, I have called the manager and found out this debt is a mistake on the managers side. In other words, the debt of XXXX dollars is invalid. The attached email discussion is the written proof that this debt is invalid and the manager did request NCC Business Services , Inc. to remove the account of collection on XX/XX/XXXX. Such request of the manager is the manager 's second attempt to contact NCC and correct the mistake. In addition, I also disputed the validity of the debt via mail and fax on XX/XX/XXXX. In the certified mail and faxed materials, I attached the same proof to establish that the debt is invalid. 

However, I received another mail against my dispute from NCC on XX/XX/XXXX. It is obvious that as of XX/XX/XXXX, NCC is still actively seeking to collect this false debt of XXXX dollars which was mistakenly placed under my name, in spite of the original creditors and my efforts to correct the mistake. The enclosed information NCC sent in that mail was both outdated and probably from the managers initial mistake without any reflection of the original creditors and my efforts to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MO).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I ca n't afford to make monthly payments on my credit cards

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I accessed my credit reports and see that Enhance d Recovery Services and reporting as ERC for accounts that are reporting as well. They are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and would like for them to d elete the information they are not bound to report. i have reached out but to no avail they are refusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Auto) with VW Credit (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with I.C. System, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: furnished unverified 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 02/16/2018 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: Information belongs to someone else

Complaint: I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact Equifax, XXXX, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they  all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and XXXX have responded by removing all but 2 of the inaccurate collection reportings and Equifax still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease

Complaint: I have an auto loan with BMW Financial Services, I 've been trying to remove XXXX 30 day lates that are on my credit report. I received a copy of my payment history reflecting the payments they received from me but they are not correct. I would like assistance from CFPB in solving this matter and having these lates deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (WA).
Issue: Can't contact lender or servicer

Complaint: THESE XXXX FIRST HACK MY BANK TO COLLECT THE FULL AMOUNT OF A LOAN I WAS MAKING PAYMENTS ON WITHOUT NOTIFYING ME AND NOW THEY CLOSED MY ACCOUNT FOR 60 DAYS BEFORE, SO I APPLIED AGAIN AND THOSE NASTY JEALOUS XXXX STALKING MY ACCOUNT BLOCKED MY ELIGIBILITY FOR NO REASON AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with LEXISNEXIS (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX, 2015 I requested that Lexis-Nexis provide me with free annual reports of all facets of its consumer reporting group. Lexis-Nexis partially complied with the request. Lexis-Nexis failed to provide me with a free annual consumer report from their XXXX division. I demand that Lexis-Nexis provide me with free annual report that is created by the XXXX division. I have tried to talk with the XXXX department, but their automated answering system keeps me on hold for XXXX minutes and then hangs up on me. I have tried every communication method that Lexis-Nexis provides and each one of them stymies my attempts to clear this problem on my own. Currently Lexis-Nexis is in violation of the FCRA and FACTA statutes because they failed to provide me with the XXXX free annual report within XXXX days of the XXXX XXXX, 2015 request. Lexis-Nexis XXXX divison is required to answer consumer inquiries within a time frame dictated by regulations. Lexis-Nexis XXXX has failed to respond to my repeated calls within the legislated time, therefore that is a XXXX violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Well i was going thru a hardship on paying my negative balance to chase bank my son was XXXX so i was very out of money so they wnd closing my account and puting me in XXXX making it hard for me to get another accoun any were but im back working so im able to mange the account that i will get when i can

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information and the information of almost half of all Americans, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my  time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (DC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: After receiving our loan estimate from XXXXXXXX XXXX XXXX and locking in our mortgage rate. The loan processor failed to disclose why the loan estimate for cash to close differed from the final notary closing documents cash to close. We were emailed three different funds to close letters all with contradicting numbers and dates. The evident difference was the interest estimate. We were charged one number shown in the loan estimate and an additional amount in the cash to close documents. After speaking with the loan officer we learned this was padding to protect the bank in case they underestimated their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Medical debt) with Alorica Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX-2017 I was notified by my credit monitoring service that my credit score had dropped. I checked my credit report and found that a company called XXXX XXXX XXXX XXXX XXXX Has posted to all three credit monitoring companies of a deragatory nature about a debt they are trying to collect. 

I have received no written, telephonic, electronic or oral communications in regards to their efforts to collect a debt from me. Furthermore I have found that the original creditor sold the debt to this company. I emailed the company and informed of all of this information and have asked them to close the account ( since they bought the debt, it has been paid and I am no longer obligated to pay it to the original creditor. Original creditor has since written off debt on their taxes. ) and I have not been contacted by the company. 

I have sent in dispute letters to all three credit bureaus explaining the situation and requesting the information new removed from my credit reports.

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 10/21/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I called + sent Equifax a copy of my account paid in full for the dispute. The company I owed ( XXXX ) has set the info to Equifax that my account is paid in full. XXXX reported the wrong amount due and we agreed on a new lower amount which I paid in full. Equifax is still showing the account as a charge off. That 's incorrect. I 've called them 2 times with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Clarity Services (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I keep noticing credit inquiries from a company called Clarity on my credit file that i did not authorize. I have never ordered a report or authorized this company to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am contacting you today to request a gesture of goodwill. I have several loans with Fedloan. I am currently on an income based repayment plan that does not require me to make a payment. I would like to actually repay my student debt. My education has served me well and because of it I have been presented with an opportunity to purchase an existing and successful franchise. However, the late payments on my student loan account are preventing me from obtaining an approval for the business loan I need to acquire the franchise. 

The late payments reflecting on my account are actually due to miscommunication on both ends. There were periods of time where I requested a deferment or forbearance due to my financial hardships but my requests were not initially honored ( Apparently due to a mistake made by the customer service representative ). In XXXX or XXXX of XXXX my family was struggling to make ends meet and were on public assistance. I communicated this to a representative at the time and they informed me they would request a deferment of my payments for 1 year. I thought my account was squared away and did not check my monthly statements, for a while. 

In the XXXX I received a notification via email that my loan was on the verge of defaulting which prompted me to call. It was then that I was informed that the deferment I requested had not been implemented. The representative was very polite and helped me resolve the issue through backdating the forbearance and deferment request. It was my understanding I would not need another deferment for at least 12 months if my financial situation did not improve. This was not the case and lead to additional late payments on my accounts. 

I take complete responsibility for not following-up and ensuring the initial deferment was implemented and for not understanding that I needed to make another deferment request, however ; I would really like to be in a position to repay my loans in full. The franchise I seek to acquire will allow me to repay all of my student debt within a matter of 36 months. I understand Fedloan is obliged to report payment history accurately. I ask that either Fedloan stop reporting the late information and make it " unavailable '' or better yet update my payment history to reflect the loans were in forbearance/deferment for the following months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX and XXXX of XXXX and mark them as paid as agreed. Doing so will allow me to improve my financial position and repay my loans in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my Experian score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
Experian, XXXX and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: TRANSUNION, XXXX, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and TRANSUNION, XXXX, and XXXX have ignored my notices. As of today, XXXX/XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.

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