milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2015 about Debt collection (I do not know) with CL HOLDINGS LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX has been reporting my past due bill since 2008. This year marks the 7th year that is suppose to fall of my credit report. Collection agencies are buying collection debts that are 7 years older and putting them back on peoples credit file for another 7 years. This is causing me a great deal of stress when i know, they ca n't do this. Its being reported back on my credit file but under a collection agency not XXXX. XXXX deleted their account and jefferson put it back on when it was suppose to fall off this year. Not it restarts the 7 year thing all over again. This is not fair to the people, buy using this dirty tactic to keep it on peoples credit report forever.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: Right after  XXXX   XXXX , 2017, I contact a mortgage company,   XXXX   XXXX   to discuss refinancing of my mortgage. While I was on the phone I gave the loan officer permission to pull my credit report from Equifax. I was advised that they were unable to pull it because I had a fraud alert on my file. I advised him, yes I do and I will remove it. I have the Equifax Complete Premier Plan. The Plan is suppose to allow me to put on and remove alerts, any alert that is on my account. I called several times and spoke with overseas customer service agents who assured me that the fraud alert had been removed. At least 3 overseas agents told me this. I contacted the Loan Officer and they still could not get into my file. The Fraud Alert was still showing. The next time I called I asked the overseas agent to transfer me to a customer service agent n the USA. They did and I spoke with  XXXX  telling her the problem I was having. I told her every person I have spoken with told me the Fraud Alert was removed. She apologized and told me told me she would send a request to their IT department to get this corrected, it would take about 7days. I told her that everyone is telling me that the alert has been removed, but it still shows " ON '' on my laptop. She gave me a reference #  XXXX . I got a letter yesterday from Equifax dated  XXXX   XXXX , 2017 saying the FRAUD ALERT has been removed.  XX/XX/XXXX  I got a card from  XXXX  saying they received information from Equifax and the FRAUD ALERT has been added to my file. On XX/XX/XXXX  I got a letter from   XXXX   advising the FRAUD ALERT has been added to my file. Added to my file, I 'm trying to remove the FRAUD ALERT. No one should have to go through this type of terrible service.
I received a call from  XXXX  from Equifax due to a negative review that I gave after my conversation with the last agent I spoke with.  XXXX  apologized and told me, " I would need to send a letter to Equifax requesting they remove the FRAUD ALERT. '' WHAT is going on with Equifax. I mailed the letter that he requested on  XX/XX/XXXX . They have caused such an unnecessary delay in trying to refinance my home. Please help me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I demand to see verifiable proof of this information listed on my report "   PUBLIC RECORD   :   US BKPT CT   AZ    XXXX  -  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 08/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: Back in XXXX 2016, the American Express Platinum was offered a promotion of XXXX reward points with {$3000.00} spend in the first 3 months for an upfront charge on the annual fee of {$450.00}. I took the offer and earned the points that was deposited on XXXX 2016 on platinum account ending XXXX. On XXXX XXXX, 2016 the XXXX reward points was rescinded, it clawed back without any reason. As a consumer after paying the hefty fee of {$450.00} and legitimately met the minimum spending of {$3000.00} from the mall and car rental, with the points being clawed back with no explanation nor anything was proved that I was n't eligible/qualify especially after 3 months now the annual fee would be refunded this case is clearly a consumer fraud and dishonoring of their promotional offer. 

In resolute of this case I would like Amex to re-deposit the XXXX back to my platinum account ending XXXX and an formal apology with letter of explantation. 

I have contacted Amex reward team and spoken to XXXX on this case, her ID is XXXX with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for chap XXXX bankruptcy in XX/XX/2014 due to medical issues. At the time of filing the arrears on my property was {$9000.00}. The mortgage lender failed to file a claim with the court and consequently, the court was not able to make any payment to them ; although I made the payments to the court as required by the terms of my plan. The arrears on my property have now risen to more than {$25000.00} ( due to the lenders negligence ). Due to ongoing medical treatment, I have made several attempts to obtain a mortgage modification and am being told by the lender that " they are not able to offer any modification that will reduce my payment to an affordable level based on my verified income ''. My problem is ; were it not for the failure of Ocwen to file a claim with the court these arrears would not have reached this level. I can not imagine an acceptable reason that the lender could not get the claim filed with the court during the course of an entire year. If not for their error, they would have received payment. The money was on file with the court and was disbursed to another creditor because of their error. The lender is now holding me accountable for their negligence ; and I am being told that there are no options for me to work out a plan to keep my home.

Company response to consumer: Closed
Consumer complaint received 08-05-2015 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (OR).
Issue: Application, originator, mortgage broker

Complaint: Our credit was pulled without our authorization. He then pulled someone elses credit thinking it was ours and began to tell us EVERYTHING on their credit. He tried to not give me a copy of my credit report and he tried to lie to us and tell us that we had to use him as a lender. His actions could very well keep us from getting our home. THEN he talked poorly about another lender in town that we decided to use after all of this. Absolutely no class, extremely disrespectful, and completely incompetent. If this causes us to loose our home I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was a computer glitch that caused my inquiries to be removed this was Transunion 's problem not mine transunion later re-added these inquiries without properly notifying me in writing within 5 days of them re-adding the inquiries I then contacted transunion in good faith and asked them to remove these inquiries that they illega lly re ad ded on several occasions to no prevail the last time I called on Friday  XXXX   XXXX   2017  the number I dialed was  XXXX  I spoke with a representative that then transferred me to a supervisor named  XXXX  he had a very thick accent I tried my best to understand him but I could n't I asked to be transferred to a United States representative because I could n't really understand him he told me no he would not transfer me I 'm just really frustrated with the treatment and time they are taking away from my day because of this. It has caused a very untimely hardship for my family I was going through the home buying process and my agent told me that this drop in my score because of the injuries can result in a denial from my home loan I 'm so frustrated that transunion feels it 's okay to violate my rights in this manner!!! Please help me cfpb please make transunion stop victimizing me.

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 04-11-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello, Contacting you is my last effort to resolve the issues I 've been experiencing with the credit bureaus. I have incorrect information being reported on all XXXX. The compliant is being filed against Equifax specifically. I will do each compliant separately to aviod missed information. I have disputed all hard inquiries on my credit, my personal information, and several accounts that are in collections that do not belong to me. The confirmation number for my most recent dispute with Equifax is # XXXX. They have my incorrect date of birth and spelling of my name listed on the report. The correct personal information was included in the dispute request that I submitted on XXXX. This is my 3rd attempt to have all hard inquiries removed as well as the accounts in collections as they do not belong to me and were not authorized by me. I have submitted supporting documentation of my identity and they still have not updated my information nor deleted the inquiries. I would appreciate it if something is done in regards to the fraudulent activity on my credit report as the credit bureaus are n't handling the matter. I have attached a copy of my identification as it is listing an incorrect date of birth on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Please note-I have the recorded call on file and it was disclosed to the company that I was recording. I called Hunter Warfield to come to a resoluation on some lease break fees I had with an apartment complex called XXXX XXXX. The representative told me the total amount due was {$2100.00} and that I can settle for half of that amount. Unfortunately, I was unable to accept the settlement but began to question the amount because my last statement was {$1800.00} and there was nothing written in the contract for additional interest charges should my account go into collection. I told the representative that I will pay the amount actually owed and I want to make a payment arrangement. She told me I ca n't just do what I want, If I want to pay the original amount due, it has to be paid in full. I told her that that is not fair debt collection practice and that I am only contractually obligated to the {$1800.00} and we can set up an arrangement from that. She asked me in a condensing told " if I wanted help or not. '' I told her she can not refuse my payments. We went back and forth a few times and she ended up telling me to have a good day and she hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a student loan for my daughter since XX/XX/XXXX and initially it was serviced by XXXX XXXX and then later transferred over to Navient. The loan had an original interest rate of XXXX % and when i consolidated the XXXX loans the rate was reduced to XXXX % while my payment amount of {$380.00} did not change. Recently I questioned Navient representative regarding the loan payoff and was told that my loan loan will be paid off much earlier than the original payoff year of XX/XX/XXXX. When I checked on line the payoff year was still XX/XX/XXXX. I questioned this and delayed my payment due last month by about XXXX days. With this delay in payment Navient increased the interest rate up to XXXX %. When I questioned this was told that I did live up to my commitment and as such the interest rate has been increased to XXXX %. Navient still continues to dodge the question of payoff year and how the loan is amortized.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I asked a loans officer who had previously help me obtain a previous mortgage what thee estimated cost would be for a new mortgage for a new home I wanted to look. I wanted to get ahead of the curve by knowing what my estimated closing cost were and the rate based on current 30 year fixed rates. However, the loan officer took it upon herself to pull my previous file and run my credit with out my permission. It came as a shock when she sent me the credit report. The officers name is XXXX XXXX from XXXX XXXX XXXX. NMLS # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was in for a modification and was denied due to failing the appraisal. I submitted a complaint to Hamp escalations and was told that i could not be modified as I was already under 31 % of my debt to housing income. I want US bank to rewrite my existing loan so that i can maintain home ownership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: If I do n't pay the monthly amount due on or before the due date, by XXXX XXXX. the next morning, they start blowing up my phone and will call 10-15 times a day from SEVERAL different telephone numbers. They have even called when I was at XXXX on a Sunday morning!!!!!! They also tried texting ( but I blocked that ) and send several emails which go to my spam folder!!!!!! They have even called my work telephone number and my references on my application when a payment is n't even 30 days late!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed a credit card that was stolen and file police report gave case number to Equifax back I XX/XX/XXXX and the XXXX account was remove from my credit file. XX/XX/XXXX the XXXX account reappeared again on my credit report after 6 years. They can not just put anything they want back on my credit file. Also I have no missed payments or collections or public records and I was denied credit for serious delinquency. I contact Equifax who verified that I do not have any delinquencies but XXXX has denied me a credit line increase due to Equifax reporting as per letter I received. I am being block credit when I have good credit XXXX score. I want Equifax investigated they told me to have XXXX call their Business off ice to straighten this out. why is the business office involved with my social security number. This is a violation of my civil rights and corruption. I want all my information at Equifax updated and correct in the business office files.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. TD bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks TD bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by TD Banks acceptance of the forged checks. I want TD Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX XXXX Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XX/XX/XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5  years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

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 09-06-2017 about Debt collection (Medical debt) with JP RECOVERY SERVICES, INC. (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this number is calling multiples time a day, I decided to answer when the person on the other side of the line a female, asked for my XXXX years old name, social security number and day of birth, I asked who is this, the female refused to answer my questions after I refused to give my daughters social security number alleging that this a business matter, when I asked what type of business she replied unless I do n't give the information that she is asking for there is no business to discuss. I researched the number and I realized that this is medical collections on my husband name not on mine, also the bill stated XX/XX/XXXX, we never received any statement of this collection. 

This company is contacting family members and requesting information about minors, keep calling more than 4 times a day. I want them to stop collections of this alleged debt that my husband does n't owe, we researched and ALL medicals bills are paid for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: on XXXX XXXX, 2016 i send a certified mail to validate the account XXXX XXXX merchant which they received on XXXX XXXX, XXXX and under the credit act law they have 30 days to provide me with a original contract with signature and report dispute comments with credit bureaus within 30 DAYS which is XXXX XXXX 2016 which i printed a copy of. they send me a signature but did n't report dispute comment to bureau in time so they broke they law. so i send them a second letter letting them know that they did. they send me a letter on XXXX XXXX, 2016 saying they updated the dispute comment and which showed on my report lasted update XXXX XXXX 2016 but was way passed the 30 day time frame. then i get a alert from equifax for that company stating that there last updated was XXXX XXXX, 2016 which is a lie equifax broke the law under FCRA Section 605 ( c ) tryin " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. and doing so it should be removed. off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I just do not know what next steps to take regarding my private loans. I can not afford to pay on these loans at all. I only brought home XXXX last year and I am a single parent. I would like to pay what I can which is not a lot, but the lender is saying it 's not enough. Since I have graduated I have not had a good paying job that will allow me to pay for my private student loans without sacrificing necessities. I have been trying hard to find a better paying job but I am afraid that the negative marks from these loans on my credit report are playing a huge factor as to why I am not able to succeed much in being offered a better paying job.

Company response to consumer: Closed with explanation