milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Experian and it 's entities pulled 35 separate inquiries from XXXX thru XXXX and 21 inquiries specifically in XXXX. The names used created 8 separate line items cic/Experian identity check, XXXX XXXX XXXX XXXX XXXX cic/ experian creditworks, cic/ experian identity ch, and Experian 3 times different line items and addresses. The different addresses include, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX tx  XXXX, no address, XXXX XXXX XXXX XXXX tx, XXXX, XXXX XXXX XXXX, XXXX, ca XXXX XXXX XXXX XXXX XXXX ca XXXX. Different phone numbers inckude 4 line items with no phone number and 2 line items with phone numbers not in service

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: disputed to get of my credit report due to it is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In 2012 I filed paperwork with Nelnet to have my student loans consolidated so that I may qualify for the Public Service Loan Forgiveness. While all of my loans were transferred to Nelnet at that time, it recently came to my attention that Nelnet did not consolidate the FFEL Stafford Loans and Grad PLUS Loans that they held, leaving half of my loans ineligible for Public Service Loan Forgiveness. I trusted them to act in my best interests and consolidate the loans for the purpose I stated. They clearly did not do this. I am submitting a copy of the Federal Direct Loan Consolidation paperwork, where it shows that the loans they held were listed both on the Loans You Want to Consolidate page, then listed again on the Loans You Dont Want To Consolidate page, only on that page the loan number and balances are missing. This is very deceiving. Furthermore, they never sent me a letter finalizing the consolidation, but put me into an Income Based Repayment Plan with assurances that all was well.
When I spoke to Nelnet recently and inquired about the consolidation and requested a copy of their paperwork ( so I could match it with the copy I possess from 2012 ), they stated they had no such record on file. This seems suspect as there currently are XXXX consolidated loans on my Nelnet account. They most definitely consolidated the loans from XXXX/XXXX XXXX and that is all they consolidated. This move has potentially cost me 5 years of payments counting towards Public Service Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove paid state tax liens even though they are satisfied. They " require '' a court order for deletion of the state lien. Meanwhile, the clerk of the court says they have never done that and will not do that. Otherwise, they 'd have everyone in there doing it. So I 'm stuck. Punished for 10 years for merely a few hundred dollars. Why will the federal tax lien be removed upon request which I 'm guessing is THOUSANDS, but the state will not budge? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with Wilber and Associates, P.C. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Wilbur & Associates, P.C. in XXXX, Illinois, claiming a debt of {$9900.00} was owed to them on behalf of their client. They claim that I was in an auto accident with the client on X/XX/2017. There is no accident report filed, and no proof given ( no report of the model of the car involved, license plate number, etc ). This is a bogus, scam claim. The company is threatening that they will send their documents to the state for review in order to get my license and registration suspended.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 filed dispute requesting my report for XXXX be updated with no late pays. The report is showing XXXX andXX/XX/XXXX being 120 and 90 days late, XXXX andXX/XX/XXXX 180 days late, XXXX, XXXX, XXXX XXXX 150,120,90 days late, XX/XX/XXXX 180 days late, XXXX, XXXX, XXXX 150, 120, 90 days late. This account was not late. The account was in forebearance due to active military. The account should read nd or ok. I sent documentation showing proof of why account was not late.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There was an account that was in collections. this was paid in full on  XXXX . This item continues to remain as an open collection even though i have supplied info to equifax showing that this has been paid and needs to be adjusted and they continue to claim that they are " verifying the debt '' which is impossible as i have a letter that shows this incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: XXXX/XXXX/XXXX I went to store Best Buy XXXX and salesperson name XXXX  pressure to check if i am eligible for store credit card and then took all my information and few minutes later announced that i approved for a credit card. When i told him that i do n't want credit card he replied t now it too late and I absolutely have accepted it. My response was I do n't want to accept it and he replied then what will happened in a future if at some point I will decide to open card they just do n't let me open card. 

This is similar to XXXX XXXX crimes.

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 03-02-2018 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A person by the name of XXXX XXXX calls my place of work and leave a message with a coworker for a call back, So I called her back and she proceeded to give me the mini Miranda and tell me about the debt she has in her office. I tried to tell her I never received a notice in the mail and asked her not to call my work anymore and she says she didn't know it was my work, we answer the phone with a biz name. I asked for an itemization of the charges since I did not recognize one of the charges she was describing but, she claims she can not get that since it is hippa protected, So I wanted to ask how you can collect something you can't prove I owe but she got angry and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: General Revenue Corporation has been aggressively calling my ex wife and her other family members and her other children to get information about me. They are harassing them very aggressively this has been going on for the past week ( todays date is XXXX-XXXX-17 ). 
The folks they are calling are within my family and my ex-wifes family who are not blood relatives of mine. Please ask them to cease and desist.

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 12-01-2016 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have has a second mortgage with HSBC since XX/XX/2006 at the rate of XXXX %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by {$4000.00}, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only XXXX months before it ended. This is the interesting part about my situation. We received a loan to update our home for {$39000.00} about XXXX years ago. I pay {$460.00} for XXXX and half years and the rate of the loan only decrease to {$35000.00}. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of {$44000.00} for the total of the XXXX and half year. I have pay this loan off with an additional {$5000.00}. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.

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 09/17/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: It makes me disgusting that how XXXX XXXX did what they did and government do n't do anything about them. 
It 's XXXX XXXX 's fault for selling my mortgage to monster SLS ( specialized loan servicing LLC ) My husband was laid off from XXXX XXXX XXXX after 10 years Them the school was closed by government and filed bankruptcy gone for ever. 
Now the stress of sudden job and income loss put my husbands health in a great danger and decline his been in and out of XXXX starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he was a pre XXXX XXXX his also in on going physical theropy use of his hand is not an option he still need to have XXXX on his knees and other hand and shoulders so working not an option we are waiting for his state social security XXXX benefits but that takes time!!!! 
XXXX XXXX I was put in this situation by the employer and SLS refused to work out they should be closed and shut down they are thiefs and XXXX who do n't care about anything but taking my home I asked them for mortgage forgiveness buncha other programs according to them I am not qualified I need to know how is that possible SLS is the cause of I and my husband XXXX decline they are causing and cause of our XXXX I am not moving or give them my home I need help and I found out government is filing law suites against big banks and those XXXX and XXXX XXXX who were the cause of the fall out the financial and real state 10 years ago My mortgage is part of that I need my situation to be published and government authority see what there XXXX mortgage servicer do and take people home without do anything I like to heir an attorney and sew SLS for what they doing but I am not a celebrity or a billionear who has all the money in the world so therefore I wo n't allow these monsters to take my home .that is a promis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is the worst offender dispute items that were included in BK are re activated and falsely reported as a recent charge off. 
Experian stated to me that the creditor i.e XXXX XXXX recently reported the charge off even though it was included in BK 3 years ago. 
Which can not be true that XXXX reported the charge off because XXXX sold the debt 2 years ago so it would be impossible for them to report that on my credit report at this time. 
Showing the recent charge off on my credit report from XXXX which is impossible because they no longer have the account is simply retaliation by experian for disputing that item and is an illegal practice.

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 card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank Of America had reported that a particular account was mine. Eventhough I had sent multiple records showing that my information was breached. I had even had my bank account hacked into multiple times. It was not until I my wife took her name off the bank account that I had noticed that there were weird charges that was coming from my bank account. I had called Bank of America since I noticed they were XXXX of the sources that were coming from my account. I asked them to close that account and told them that the account was not mine and it was fraudulent back in 2014. However 2 years later they decided to post it on my credit report. I have sent multiple letters to Bank Of America to understand why they strongly believe that this account was mine but got no response. I have also contacted XXXX and XXXX asking the same thing but they said we have verified but could not state the means of the verification process. 

I am looking to CPFB process, to see if either XXXX, XXXX, or Bank Of American can provide the documentation they believe that the credit card file on my credit report is mine.

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 03/26/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MS).
Issue: Trouble during payment process

Complaint: I have received a 45 day notice of foreclosure form SLS. According to SLS, I have missed payments. SLS has not been sending me monthly statements. I was under the impression that my mortgage was being paid on time every month. SLS tells me that because of Chapter XXXX bankruptcy they have not been sending me any correspondences regarding my account. If this is the reason then why add late payments and Corporate Recovery Advance fees and a 45 day notice of foreclosure. 
Last year, my mortgage was transferred form XXXX XXXX to SLS. My very first payment had been applied to someone else 's account. I find this out after SLS sent me a 45 day notice of foreclosure and having to prove to them that I had paid the bill. 
My current situation is that I have been sent another 45 day notice of foreclosure. I have been paying {$850.00} every month on time. After calling SLS concerning this, I have talked to several different customer service representatives. One of them tells me that the account has been delinquent since XX/XX/XXXX because escrow went up, another one tells me that the account has been delinquent since XX/XX/XXXX because the escrow was short. Either way late fees have been accumulated nobody is able to tell me when the late fees started or how much the late fees are and why I was not notified of any of this. I believe this is a predatory practice. SLS has not sent me any correspondences regarding escrow or monthly payments. They wait until the account is so far passed due that I can't afford to pay it so that they can take my house. This seems to me to be a predatory practice. After all this time, they never let me know that the bill was late and that they were tackling on late fees and corporate recovery advances fees. If they had been sending out the statements and making me aware of what was going on with my account ; my account would be current as of today. According to SLS, my monthly payment is {$900.00} that is only a {$45.00} increase. It is a devastating to me that SLS is trying to force me into foreclosure with their predatory practices.

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 06/26/2015 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I have sent numerous letters, police reports and made number phone calls into in regards to the fraudulent U.S. Bank checking and savings accounts ending in : XXXX, XXXX and XXXX. These checking and savings accounts are fraudulent accounts that was opened by someone else who stole my personal information and identity. At the time these accounts was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation that I was incarcerated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Violations of 18 U.S.C.1970 The Anti-SLAPP provision by the Administrative agents of all   XXXX   of our major Credit Bureau 's of Trans Union ,   XXXX   , and   XXXX   that 's amounts to hate crimes and Conspiracy to Commit Fraud, and Rackateering under 18 U.S.C. 1964 ( C ) & 1964 ( d ). There administrative policies and the law states they can not list institutions who inquire about you more than once! What they are doing is listing the institutions that inquire about you repeatedly! What this criminal act does is deny anyone who requests to view your credit report access to your report! This is a violation of F.M.O.C. v. Merrill ( 1979 ). These illegal administrative acts are targeted toward   XXXX   XXXX   Males, and is classified by law as hate crimes!

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 01-11-2018 about Debt collection (I do not know) with The CMI Group, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief