milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Debt collection (Non-federal student loan) with EOS Holdings, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.

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 EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Account XXXX Im requesting to reopen the disputes for charge I made on XX/XX/XXXX XXXX XXXX {$710.00}. I tried to dispute this transaction but Chase customer service was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX sent a letter to TransUnion disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XXXX received a letter from TransUnion stating that they " verified '' that the bankruptcy and that there would be no change, but did not provide proof used to validate that it belonged to me. 
XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
TransUnion found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.

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 09/28/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: A 3rd party company ( equitable acceptance corporation ) reached out to me and told me that I can get cheaper student loan payments if I let the reconcilidate my loans for me. This company has charged me close to {$2000.00} for something that I am finding out that I could have done on my own. I have attempted to cancel this agreement with the company and they told me that I was able to get such low rates because they negotiated with federal student loan on my behalf. I have reached out to federal student loan and they explained to me that this is not true and I would have gotten this monthly rate regardless. I am extremely frustrated because this 3rd party company is refusing to cancel this agreeemwnt and have been giving me false information

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle loan) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Shopping for a loan or lease

Complaint: I contacted Pentagon Federal Credit Union to inquire about products and services. After establishing an account, I called back that same evening to apply for an Auto Loan. When applying for the auto loan with the second representative, he offered and and asked if I wanted some type of insurance product that would take care of payments in the event that I was injured/etc. What I found EXTREMELY disturbing is that fact that the rep asked if I had been diagnosed with XXXX, an XXXX, or XXXX. That is confidential and personal information. No customer service representative should be qualified to ask for that information. No customer service representative should be privy to a customer 's name and potential XXXX, and/or XXXX status. In addition to this, this is discriminatory lending practices. This is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Approx imately 4 w eeks ago as of  XXXX / XXXX /  XXXX   I tried to update my Equifax credit score and report. I was unable to do so and received an error. I contacted the credit bureau to notify them of the problem they said they had the same problem and would initiate a high level inquiry and it would ta ke 7 to  10 days. I contacted Equifax on  XXXX / XXXX / XXXX  the same problem still exists still no resolution to my credit file. information from creditors and other credit bureaus is being reported erroneously from a date of  XXXX / XXXX / XXXX . I have since paid collections and credit card balances down which is not being reflected on the report or score. I am in the process of purchasing a new vehicle and this erronious information is impacting my ability to purchase a vehicle. I payforthis service  XXXX  a month this is not a free credit report issue. I was also told this because of a fraud alert from  XXXX  this not the issue I have not had any problem processing my credit report since  XXXX  until a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with TMX Finance LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took out a title loan years ago for a vehicle that now has a bad engine. I told them that I could no longer afford to pay for something I 'm not in possession of. They requested a voluntary repo report or a payment. I informed them that as soon as the lien holder provides me with the documents, I would forward them to them. I asked them to stop calling & leaving voicemails multiple times. They have continuously called asking for a payment. After I told the office manager that they were harassing me & that I was going to file a complaint, he said " the store is closing anyway so do what you got ta do. '' I 'm now doing what I have to because this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A name and address is wrong. I have never used the name or lived at the address. The incorrect name is XXXX, XXXX, XXXX and the incorrect address is XXXX XXXX, XXXX, XXXX. The correct name is XXXX XXXX XXXX and the correct addresses are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. Please correct this information on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Problems caused by my funds being low

Complaint: A number amount of overdraft fees that has my account in a major negative balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Eastern Account System has placed a account on my credit that is n't mine from XXXX in the amount of {$320.00}. I 've reached out to XXXX on numerous occasions and the only information that was given to me that it is a account sold to Eastern Account System also that this account is 2 months away from reaching the statue of limitations in the state of Georgia and also could n't identify the debt as being mine. I wrote Eastern Account System to receive a debt validation, I have n't yet received any response. I 've called them at the number reporting on my credit report which is XXXX and left several messages on the their voicemail with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX on XXXX/XXXX/2015 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Hard Inquiry shown on my Equifax credit-report : " XXXX Inquiry from XXXX XXXX, 2017 '' reports " No contact information has been reported by this creditor ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have not been able to obtain my credit report online from transunion. When I origonally applied on annualcreditreport.com I obtained reports for XXXX and XXXX, but transunion said that the report was not available online. It said that I would receive the report through the mail. Transunion sent me a letter issued on XXXX/XXXX/2015 that stated that my credit report was not available due to " Disclosure Request - Proof of Current Mailing Address ''. I tried to speak to someone today, XXXX/XXXX/2015. It took me over three hours to maneuver their system until I could speak to a representative that spoke English as a first languge. Once I spoke to that person my issue was explained and resolved in less than ten minutes. I have no particular issue with foreign call centers in general, but the language barrier was the main reason I was frustrated in my attempts to make a simple transaction in a timely manner. I spoke to no less than XXXX different associates, and was channeled to at least XXXX different numbers before resolving my issue. This is absolutely unacceptable. The Consumer finance protection acency was created precisely to deal with these kind of issues. I would have a hard time believing that these barriers do n't exist with the purpose of creating frustration for consumers. Several times during my ordeal I was offered financial products. I 'm sure that many individuals agree to purchase these produts rather than continue in the endless series of loops and hoops designed to wear you down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a medical collection that was supposedly owed through service at XXXX XXXX in XXXX, NC on XXXX/XXXX/XXXX. The bill was received initially from XXXX XXXX XXXX, in the amount of {$670.00}, who I contacted to find out what the charges were for. The hospital had no record of the bill, my insurance had no record of the bill and the company provided nothing more than the date of service and the amount due despite several requests on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The bill was then sold to Optimum Outcomes IncXXXX who I have again tried to validate with on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX by both fax and mail. Again, despite my requests to validate what was owed and for what service, I was once again given only a date and an amount. I have repeatedly requested this either validated or removed from my credit reports with no assistance from the company or the bureau who just keeps stating the company validated it. I would pay this, but I can not find any proof that I owe it and the insurance has no record that I should owe it. I have tried numerous times to correct this with both companies and the bureaus with no luck. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Vehicle loan) with GRYPHON CORP. (GA).
Issue: Problems when you are unable to pay

Complaint: In XXXX I bought a vehicle for my children in college the vehicle repossessed XXXX. About XXXX/XXXX/XXXX the debt turn up in the hands of some one called Main Street Acquisition Corp. they in turn hired a firm named XXXX to collect. Since XXXX/XXXX/XXXX I 've been paying anywhere from XXXX to XXXX XXXX XXXX. I feel taken because original creditors sold the vehicle in XXXX. I think I have paid enough on this old debt. Is there any help for me in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: These debts were removed previously from another company, about a year ago, then Commonwealth refilled all of them again after purchasing them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Please see attached.

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 10-09-2017 about Debt collection (Other debt) with FirstPoint Collection Resources (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The company has responded to the complaint # XXXX. In a letter sent to the company XX/XX/2014, I notified the company that their claim was disputed. 
In the same letter, I requested that this company validate a debt for which they say I owed. I requested that the company provide me with competent evidence that I have any legal obligation to pay. I asked that they please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

To my request, the company responded with a debt collection letter from a company. In that same letter, it changed the dollar amount to a handwritten amount. 

The company did not validate the dept. It did not prove the Statute of Limitations has not expired on this account. It did not show me that they are licensed to collect in my state. It did not provide me with its license numbers and Registered Agent. It did not explain and show me how it calculated what I they say I owe. It did not provide me with competent evidence that I have any legal obligation to pay them. 

I do not know who this company is. 

This company has knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I submitted a check to Ditech to reinstate my mortgage and they ca n't find the check. They said I need to get a reinstatement from the law firm which I submitted 2 weeks prior. I never got the reinstatement from the law firm called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I had to call Ditech again and they said they have no record of a request and will request again. I asked the woman to cc me or send me a copy of the request, she said she could n't. I then emailed the law firm the request and saved a request myself. I also tried to do a modification with Ditech and they said I was missing paper work. There was no missing paper work, I submitted everything which was required plus more. I have copies if you want. They then rejected my Mod. I also submitted for California Keep Your Home and they said I make too little money. What good is the program if I make too much money? This is becoming out of control. XXXX did the samething years before and got rejected for their modification program. I currently pay a 6 % interest mortgage for the past 10 years. Ditech keeps on swapping out new account reps on my account every 2 weeks. They each let the phone goto voicemail. I 've emailed in the website and do n't get a response. This is pathetic. No customer service when I 'm trying to pay the mortgage. I 'm actually trying to give them my money. These banks need to be shut down or thrown in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (WA).
Issue: Struggling to pay mortgage

Complaint: XXXX missed a payment due to financially issues. 
XXXX XXXX- called PHH Mortgage to make a payment- Was told I could not make a payment unless I have both payments I have tried to get PHH Mortgage to answer my calls- with no luck to getting  any call backs or understandings to why they would not work with me on getting my payments caught up. 

I was then served a default notice on my door. 
I contacted XXXX XXXX- Case Manager Her direct number was XXXX ext XXXX I requested a loan modification was mailed out a package that I filled out and mailed back. We never heard back from her or anyone concerning the loan medication request. 

I also reached out to - The United State Department of Housing and Urban Development- they placed me in contact with XXXX XXXX Once again we filled out the loan modification package- Again telling everyone that the Borrower and the Co- borrower were divorce in XXXX We never heard if I was granted the modification or not. 
In XX/XX/XXXX I received information from PHH Mortgage stating a FORECLOSURE- and listed attorney XXXX XXXX XXXX XXXX XXXX the letter  stated that XXXX XXXX remained Committed to working with me- HOWEVER- this was not the case In XX/XX/XXXX XXXX XXXX- sent me a letter with a payment - Again not indicating if this was the approval of the loan modification or not. There were payment coupons included- when I tried to get answers to what this payment was- I was not given information. 

I then received a call from XXXX with XXXX XXXX on XX/XX/XXXX- which followed with an email XX/XX/XXXX- he sent a form stating he needed 90 days of current bank statements- and 30 days pay stub. I have not heard back from XXXX- nor has he replied to my emails or phone calls. 
I was given different information- now being told because the information was not received 30 to 37 days before XX/XX/XXXX my house will be sold. 

I have called the attorney listed on the file- No response nor call back I have reached out to XXXX XXXX and not given any information besides I need to speak with XXXX- Though XXXX will not respond to my calls nor emails I have reached out to the PHH Mortgage which is saying XXXX XXXX now is serving my loan. 

AND -- the most important part the Borrower has NEVER been served nor will get any information today XXXX when she tried to call in to see what she needs to do to get an extension or to stop the forclosure

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EXPERIAN CONTINUE TO VIOLATE FCRA WITH REPORTING SAME ACCOUNT ON FILE 3 TIMES " XXXX '' PUBLIC RECORDS CASE # XXXX AND XXXX # XXXX, FORMAL FRAUD AFFIDAVIT WAS FILED WITH COMPANY AND FTC ON ABOUT XXXX/XXXX/2012 ; CASE # XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation