milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The  original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service. 

I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress. 

XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged. 

XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to. 

This is RIDICULOUS and I can not afford an attorney to resolve this issue. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I spoke to a representative from the original account holder concerning my account and explained to them that I was going through a XXXX   XXXX situation and needed some time to pay off this debt. I was told that they would extend the time needed to pay off the account and would not report my account to the credit bureaus. A few weeks later I received a call from a Southwest Credit Systems Rep who informed me that they were a collections agency and given my info by the original account holder. I then went on to explain to them the situation I was facing. I was told that as long as I make a payment arrangement that my account would not escalate to being reported negatively the the credit bureaus but a few weeks later I was surprised to see that they actually did report the remaining balance of what was left to pay to the the credit bureaus.I am extremely upset because I was assured that once I make the arrangements my account would still be in good standing as to not be reported negatively. I'm in the midst of buying a home and this negative reporting of an account is not helping my case at all!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not access my Crdit report or scores..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Credit card debt) with PNC Bank N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am not liable for this debt. I have been disputing a credit card account that is reporting on all  XXXX  credit bureaus from this company before  XX/XX/XXXX . The credit bureaus has been reporting that PNC has been verifying the account belongs to me. I was told in  XX/XX/XXXX    that my file was merged with someone else when I went to apply for an apartment and was denied due to having a petty theft charge in Florida. I have never lived in Florida nor have ever been arrested. PNC also stated that they were going to send me a fraud affidavit 2 times and as of today I have never received. I have enclosed the first page of my credit report dated  XX/XX/XXXX  from   XXXX   in which they accidently sent me someone else credit report with my information merged with hers. They insisted that there is no way that they did and I stated to them what was on the other person report. They made a huge mistake in which I am still suffering. Due to our files being merged I am now receiving collection from her debts. I do n't know what else to do about this. Everyday I am afraid of more negative items that are not mines being added on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: my husband and i requested for a modification, the mortgage company gave us a bunch of run around for two years sending paper work back and fourth to here and there and over and over and over. They had us believing they was going to give us a modification and then denied us and gave us a bogus excuse that we was not qualified for a modification and tried to foreclose on us. my husband and I had to file chapter XXXX to keep our home because the lender lied to us.So now we have a mortgage payment and a plan payment because of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (FHA mortgage) with EMBRACE HOME LOANS (CT).
Issue: Application, originator, mortgage broker

Complaint: I filed a TILA rescission letter and the alleged creditor did not file a declatory action within 20 days. I have a state Judge that is ignoring TILA and continuing with the court case. Who enforces TILA? Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My property is in foreclose and the banks have not been cooperating with loan numbers or payoff information. I have lost at least XXXX sales and been threatened lawsuits against me for money damages because I could not get loan numbers in order to get payoff information so I could close. The bank wants my property and refuses to cooperate in the sale because I have equity in the property. It took me two years before I could find out the loan number on the XXXX. I now have another offer and the bank is now telling me that they can not find the file. They want it to go to sale so they can steal the equity even though they have already been paid for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As of XXXX/XXXX/2016 all of my students loans were paid off at Sallie Mae. Currently, I have an overpayment balance of {$1300.00} that Sallie Mae owes me. They do NOT provide an email service to answer questions ... Every time I call I can either not get a person ( only automated ) or I ca n't get through ( put on hold for around 30 minutes twice already ). My interest rate was also sickening on all loans. This company should be shut down for the way they treat people trying to make a better life for themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested a credit report from Experian dated XXXX ( Report # XXXX ) which incorrectly listed the following Public Records which do not belong to me : ( 1 ) XXXX XXXX XXXX ( Judgement in Favor of XXXX XXXX XXXX ). This is a XXXX judgment which appears to be in the name of my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. 

( 2 ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). This too is a matter related to my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. Additionally, This is surely under a different SS #.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Medical debt) with Trans National Credit Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I just discovered that there is a medical collection being reported to my credit by Trans National Corp, since the beginning of 2017. It 's for {$160.00} from   XXXX   XXXX   XXXX  , which I had to look up to discover is an  XXXX . I   XXXX   XXXX   last year and I assume this is from that.
Except I am fully insured, so there should be no outstanding debts. In fact, they told me to bring in {$2500.00} to cover my deductible and coinsurance, and I did. I was under the impression that I was paid in full, and never getting a bill certainly did n't do anything to dissuade that assumption. Had I received a bill, I 'd have taken care of this before it ended up as the ONLY negative mark on my otherwise  XXXX  credit report.
I also never got any notice of collection from Trans National so, again, I had no chance to get to the bottom of this error before seeing it on my report.
I 've disputed it with  XXXX  ( it 's only on   XXXX   ) and it came back as verified, so I assume they did n't actually do any real verification or it would have been deleted. Additionally, it is n't reporting as disputed, which I 'm told it has to be when you dispute something.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan provider uploaded a PDF to my account that was supposed to provide me with tax information. They instead uploaded a blank PDF template with no account information on the document. I have contacted consumer service three times now, and they still do n't understand what I am saying, despite being quite clear and even providing an image of what I am talking about ( the second time ). The first time, the response I received was auto filled information on how to download a PDF off the Internet. I responded my telling them that I am perfectly capable of downloading a PDF off of a website, but the PDF does n't contain the information that it should contain. They responded by telling me the summary statement amount in the email, but still did not update or send me a PDF. The third time, they simply told me " Your tax information has been updated and is now available online ''. When I logged in, the PDF was STILL blank. I need the PDF information, not just the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 disputed inaccuracies on my report and I received a notice back that the errors were not corrected on my report. I have no current contract with  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  or  XXXX   XXXX   XXXX . I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to being false and unverified but Equifax continues to harm my ability to participate in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I joined " XXXX XXXX, '' and have monitored my credit report frequently. I had ( XXXX ) open accounts in collection, which had a " high negative impact '' on my credit score. Both accounts were over ( 10 ) years old. I disputed both items with " Transunion '' and they investigated them one at a time. The XXXX investigation was completed on XXXX/XXXX/XXXX concerning XXXX XXXX XXXX XXXX & Transunion results were " NO LONGER ON FILE. Yet low and behold, the derogatory account is still on my report as open & in collection. The XXXX report was investigated by Transunion and the results were the same ; no longer on file. So far, the one was removed on or about XX/XX/XXXX. I wrote to Transunion in XX/XX/XXXX and after informing them of the results of their own investigation, I asked them to remove the first negative account. As yet, they have not done so. It 's no wonder consumers are having such a hard time keeping their head above water financially.

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 08/31/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2014, I payed off the entire balance and closed my account with XXXX. However since then, my ID insurance company regularly sends me copies of my credit report statement to review, as activity was detected on my financial identity database which informed me of. This activity was not the result of any recent financial undertakings on my part, but due to the transmission of erroneous information being sent to the credit reporting agencies on my credit report summary, of which, Equifax being the only agency to actually publish this erroneous information. Specifically, this erroneous information as transmitted by XXXX, portends that my account is still open and that I owe a balance of XXXX. I will attach supporting documents to confirm the validity of what I have written at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (I do not know) with URS Holding, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. 
I have no business with J.C. Christensen or any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Hello - I entered into a special program with Bank of America concerning XXXX XXXX cards to pay off my balance. They reduced the monthly amount I had to pay and I was required to set up automatic payments but I was never told that they would report the balance as 150 days late which ruined my credit rating with all three agencies. 
At the same time, I engaged a credit counseling company, XXXX, which helped me arrange payment plans with XXXX and XXXX XXXX. Neither of these companies reported the balance 150 days late as I was fulfilling my payment plan. The only reason I did n't also include my Bank of America cards is that I thought they were treating me the same since I was paying off my balance in good faith. I was shocked to see that they would ruin my credit ratings. 
Can you help me? 
Thanks 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 04-09-2018 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: The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to 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 06-10-2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX   XXXX  I moved from  XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX . Not until late  XXXX   XXXX  did I receive a move out statement. Since this was well past the 19 day limit in my state I informed the compan y (   XXXX   XXXX   XXXX   ) th at not only did I not owe them anything instead I was due my full deposit back. Which they in fact did return within 5 days? I assumed the issue was closed. 11 months later I get a letter from a debt collector about the same matter. I write and called explaining this issue had been resolved. They ( debt collector ) proceeded to place this debt on all   XXXX   credit bureaus. I am about to be homeless because these jerks make it seem as if I was evicted or something. I did n't owe the apartment complex any of that money and had they been the ones fighting me on this I would have addressed each and every reason why their calculations were incorrect. But they did not choose to fight me nor have I been taken to court.  XXXX   XXXX   XXXX  is not a company. So basically this collection agency is collecting  for NOONE!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: The agent, XXXX XXXX, in dealing with my refinance had greed and confirmed with me several times over, that if I came to closing with {$1700.00} on XXXX XXXX, 2016, I would be able to skip the XXXX XXXX, 2016 payment. I came to closing with the amount requested. I received a statement for the XXXX mortgage payment due. I was also told each time we spoke the conversation may be recorded. I spoke with a supervisor, XXXX to try to get this changed or compensation for this. I was told it was too bad because the loan was closed. I had counted on this {$1800.00} to make an imperative repair on my home. The work was done in XXXX and {$2000.00} due on XXXX XXXX. I would request Carrington postpone this payment to the end of the loan, in order to make good on the verbal agreement that XXXX XXXX made. It seems to me that since he is and inside loan officer, he should know, beyond a shadow of a doubt, when the first payment is due. As an agent of Carrington, the management should backup the verbal agreement made by this agent. I feel this is a customer service issue and financial bind I have been put in, is unreasonable. The extremely tight budget that I am on to make good on this debt for the critical repair on my home, is causing me extreme distress XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (UT).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: My name is XXXX XXXX XXXX, I already qualified for the XXXX bonus miles with my American Express Gold Delta SkyMiles Credit Card ending XXXX SkyMiles Account : ending XXXX with more of {$1000.00} within the first 3 months of Card Membership. The miles have not been Accredited to my account and it 's been 6-8 weeks after I reached the spend threshold. I opened the account on XXXX XXXX and completed the requirements the first week of XXXX 20017. I called American Express Customer Services XXXX several times and the Account Representatives explained different reasons and excuses all the time but they do n't give me any results. There is a case open XXXX but they do n't have any resolution. I 'm trying to purchase a Delta Tickets but I need the miles to be accredited to my Delta SkyMiles account in order to purchase the tickets. This is the reason why I opened the credit card. I am sick of calling customer services and nothing changes so far. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a fraudulent charge of {$3100.00} from   XXXX   XXXX   on my credit reports. The account was opened on   XXXX     and closed   XXXX     I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to all  XXXX  credit agencies.   I am a federal employee who was subject to the  XXXX  information theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation