milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This has been an ongoing issue with equifax since XX/XX/2015 to present. I have attempted numerous times to have identity theft information removed from my credit report with equifax. Instead of them removing the information they keep reinvestigating and not providing any documents, not providing my legal signature on a contract or any contracts at all. As one last ditch effort I mailed out another request to Equifax requesting to have these items removed and it has been 30 days with no response. NO CONTRACTS OR DOCUMENTS have been produced. I have also provided credit reports from XXXX and XXXX because they have complied and have removed this information and not reporting as EQUIFAX continues to do so. Equifax continues to apply stall tactics, not complying with FCRA and not complying with the law for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: Bank of America gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Bank of America did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain 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 monetary relief
Consumer complaint received 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Application, originator, mortgage broker

Complaint: When applying for the loan, borrower costs provided to us over the phone was different from final borrower costs on the disclosures. Approximately XXXX $ had been used to buy down the interest rate and financed into the loan, thereby increasing the loan balance significantly. This appeared to have been done with the sole aim of appearing to be competitive. When asked to pick a different rate, several additional fees were added, again bringing up the final borrower costs for the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was not mine/paid, but thought paying it would be easier then going the not mine route. 

I was seen in the ER at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX due to being involved on car accident that I was not a fault for on XXXX/XXXX/XXXX. The hospital was given the driver that was at fault information. 

On XXXX/XXXX/XXXX I noticed I had a collection from Central Financial Control for the amount of {$550.00}. I sent a dispute through XXXX that day that I had no knowledge of this debt. On XXXX/XXXX/XXXX I received my first notice and a letter to settle this debt for {$270.00}. I wanted to get this taken care of right away the same day I made a payment of {$270.00} with the understanding the debt would be settled and deleted from my report. I was told I would be mailed a receipt. 

To this day I have not been mailed a receipt and the balance is still showing on my report as closed. I used my XXXX card to pay for the balance and they are also requesting documentation on the balance paid. This needs to be removed as I was not notified in a timely manner and I made payment as soon as I was aware of this balance. I was also told it would be removed if the balance was paid.

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 06-08-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A person who identified themselves as XXXX XXXX called me around XXXX and asked for XXXX XXXX XXXX I told him that he can not be reached at my cell phone number I was speaking on, but he became irate and stated the following : " This is the phone number that he gave. I am not telling you who I work for unless you tell me how you represent XXXX XXXX! You must know how to get in contact with him! '' XXXX XXXX 's tone was harsh and unnecessary. Later I researched XXXX XXXX 's phone number and found he was calling from a firm called the National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX. NATIONSTAR Other Loan Late 120 Days {$0.00} XXXX XXXX, 2017 Account still states that I was late 120 Days. Payment history wrong. The account needs to be corrected on my credit reports. Please correct that I was not late just closing and did a deed in lieu. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, and XX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.

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 11/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Other fee

Complaint: This is a pretty straight forward complaint. I believe that my credit card statement incorrectly lists interest charged on my purchases as a fee. I called the credit card company to inform them of the possible mistake but they informed me that there is nothing they could do to correct it. If this is incorrect, I believe the credit card company should correct their mistake. Though the amount is small on my statement, the amount could be larger for other customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
<P/>
When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
<P/>
This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Bank account or service (Checking account) with OLD NATIONAL BANK (MI).
Issue: Deposits and withdrawals

Complaint: I made a ATM deposit at my financial institution on XXXX/XXXX/2016 my receipt has know information in a hold being placed. From past experience there is usually a 2 day hold. I contacted my branch this morning and was told the funds would not be released till the XXXX with know explanation as to why the hold is so long. The said its a Reg CC I reviewed Reg CC and it sounded as must holds were for 2 business days. I authorized XXXX direct debits from my account to come out tomorrow XXXX now I will bad charged {$38.00} per item since the funds are still not available. I feel all consumers should have a date the funds will be released on there receipt which u was given at my previous financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was recently notified that credit was requested from XXXX and XXXX. I am currently XXXX with the XXXX XXXX and have not requested credit from either of these sources. I am trying to remove both hits from my credit report as it should not be shared with others and should not affect my credit score because it was not me placing the requests for credit. I have also placed an XXXX alert on my account. When I contact Experian at the phone number provided to place the XXXX XXXX alert it took multiple calls as I was hung up on without ever being given the option to place the XXXX XXXX alert or speak with a person. I finally was able to find my way through the automated system to place the XXXX XXXX alert but have been unable to find a way to dispute the XXXX and XXXX credit checks that appear on my credit reports. Both XXXX and XXXX have acknowledged that neither requests for credit were actually requested by me. 
Thank you

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 05/23/2017 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: I have disputed  XXXX   XXXX   XXXX  numerous of times on my credit report with Experian and  XXXX . It is showing as an repo on my credit. I have asked for debt validation from both CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was on  X/XX/17   . On  X/XX/17    I called back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected. Experian and  XXXX  is going against the FCRA by not looking into my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2016 about Consumer Loan (Installment loan) with Acceptance Solutions Group, INC (MO).
Issue: Taking out the loan or lease

Complaint: Beware!!! Someone in the company will steal your account information and use your card! I have never given my account information over the phone to anyone. This is my first time ever! They asked me for XXXX different checking account routing and account numbers. Then they asked me for my debit card number, expiration, and code on back. Then they asked for my online payroll information ( name and password ) to set up payroll deductions for me. I thought it was strange that they asked for my debit card info as well as XXXX different checking accounts. I received the loan and exactly a week later, my card had been used in XXXX! I am in XXXX! I contacted the company and no one has returned my calls or emails. I blocked my debit card and changed my password to my payroll account. I also cancelled their payroll deduction in effort to get someone to call me. When you call them it goes directly to voicemail system no matter what time of day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Address XXXX XXXX ct XXXXIs not nor ever been my place of residence or any affiliation to my life. 

Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

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 02/26/2018 about Debt collection (Payday loan debt) with CMK Investments Inc (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called XXXX XXXX Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX bankruptcies dismissed and XXXX, XXXX XXXX, XXXX ( Deposit-Related accounts ), & XXXX are being reported to Experian. Sent ID Theft Kit along with Social Security Card & Drivers License to Experian. Everything came back verified. Requested Method of validation and received nothing. Contacts all the above Companies requesting debt validation, request were sent back incomplete. XXXX, said another company originally was the creditor and since the merger they ca n't provide me with any info from the original creditor. XXXX never responded back to my request, XXXX refuses to speak with me and states I have to have the Credit Bureau contact them on my behalf, XXXX could only validate one year of the debt as there computer systems do n't go back to the original debt, and the bankruptcies, the court responded by saying Credit Bureaus NEVER contact the courts to verify ANYTHING. 
I need these items removed immediately. This sounds so 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 01/30/2017 about Mortgage (Reverse mortgage) with Liberty Home Equity Solutions, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My sister-in-law XXXX XXXX had a reverse mortgage with Liberty HE Solutions. She passed way on XX/XX/2016 and had {$31000.00} in her line of credit ; on XX/XX/2016 she sent a request to have the those monies transferred to her checking account. Liberty has refused to send the money because she had passed before the transfer took effect. They told us that taxes were owed and the Executor of her Will, XXXX XXXX ( son ) said that was fine, pay the taxes and send the remaining. I had prior approval to communicate with Liberty and called Liberty numerous times to ask for release and was bounced around by a supervisor, XXXX XXXX, with no satisfaction or a written decision other than saying this was unusual. The money was needed to pay for her funeral and other expenses.

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 08/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Refer to complaint # XXXX This is a continuation of the complaint, which is still not resolved. While they are no longer calling me 8 times per day, they are still calling from collections. I began asking for the XXXX XXXX form for my private student loan with Navient in XX/XX/XXXX. To date, I have received no such form, despite requesting it twice and being told that it had been requested and sent. Today, I was FINALLY given a number to their XXXX department, where the advocate said it had never been sent. In the meantime, my credit score has plummeted from XXXX to XXXX soley due to their reporting of my delinquency. This collection and reporting should have stopped when they sent out the form, which they did not. The advocate said today that she would fax the form tomorrow to my financial counselor, and that this would all be cleaned up once the form was approved. However, I have reason to believe that this might not happen, since they have not been forthcoming with me. This has caused a lot of frustration over the past months. I 've been lied to and sent in circles, being transferred from one wrong department to the next. This phone number should have been given to me back in XX/XX/XXXX at my first inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX card XXXX was not properly and accurately reported. 
XXXX date of delinquency is not reported Last Payment date is not reported XXXX Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.

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 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied and got approved for CitiBusiness AAdvantage Platinum Select card on XX/XX/XXXX. The card had a bonus offer of XXXX AA miles after spending {$3000.00} in purchases within the first 3 months of account opening. On XX/XX/XXXX I called to inquire about not receiving the card. Also, I wanted to confirm the above XXXX bonus miles was attached to my account. To my surprise, XXXX an Account Manager in XXXX XXXX in Florida claimed that I was n't eligible for any bonus offer since I had another CitiBusiness  account closed within the last 24 months. I explained to XXXX that I did n't have any Citi Business cards for the last 4-5 years. He claimed that I had the same account type closed in XX/XX/XXXX which is not true. I asked if he could tell me when was the last time I paid the annual fee on that card, but he claimed that Citibank had recently migrated their data to a new system and therefore he was unable to retrieve any data for that 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 04/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Having trouble with  XXXX   XXXX   XXXX   XXXX . I am in an IDR plan. After a 1.5 % raise at my job last year I was notified that my payments will go from $  XXXX  month t o $  XXXX  month. W hen I complained about this I was told that if I switch to a standard repayment plan I will no longer be eligible for the payments to count towards PSLF. When I do the repayment plan estimator on the website, the highest monthly income based payment I get is $  XXXX  /month, eve n with factoring in that I am married, filed taxes jointly, and putting in our combined income ( which by the way is gross, not net ). When I call, no one is able to tell me really how they calculate this amount.   Also I am being given a hard time about my employment certification forms that I submit. For example, I had a hard time tracking down someone at the corporate HR office from my employer from  XXXX , so I checked off the box that said if you are having a hard time getting someone to sign, " the department will assist you. '' No one responded to me about this other than to deny the form. I even sent in my  XXXX  's from those years, which were supposed to be reviewed ; again, no response. When I finally got someone to sign the forms, they denied the form b/c the person did n't write her phone number down, even though they said they do not call the person. No one contacted her by email, or called me, they just told me " we 're just told to deny the form and move onto processing the next request. '' Basically I feel like the PSLF program not obtainable, it seems like they are just trying to delay the process until I either give up or switch to a more affordable payment plan that does n't count toward PSLF.

Company response to consumer: Closed with non-monetary relief