milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with Equifax and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Experian Information Solutions Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have made several attempts to remove this debt from my credit profile this a misrepresentation of my character. I have no business dealings with this company. I have disputed this information with all XXXX bureaus Experian is the only XXXX holding on to this debt without providing proper reason for verification. I 've seen no proof none whatever other than a dunning letter for collection purposes. I also received letter asking for additional information to dispute this information. I realize that Experian is notorious for stall tactics, but this is simply unacceptable to me. This is why consumers have laws such as fair debt collections practice act and fair credit reporting act to protect the consumer from this type of abuse. Another observation made to add injury to insult the same debt is reporting twice with different amounts which is a direct violation of these acts put in place to protect me. I am outraged at this theses violations to collector and Experian please help me resolve this matter.

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 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: So first off let me start off by saying. I have a XXXX so if this is hard to understand thats why. So my story now. I have a credit card with Capital One. I am trying to fix my charging privileges and restricted status on my account. I have sent them certified letters, I emailed them, And I have called them. But I feel like I am getting treated with neglection. They told me I was suppose to pay off my bill by a certain date. They also said I have recovered a award letter to get my privileges back. But sense I did n't pay the bill by the certain date they revoked my privileges. But I am disputing this item for you to review because I did pay this item by a certain date. But the only problem is there posting period took longer then usual. So they revoked my privileges. I am willing to work with this creditor I tried. But they did n't work with me. So if they do n't work with me. I will be releasing a public press release online about this company for neglect ion and unable to work with someone that has a XXXX that just wants to rebuild there credit. So if you can work with this creditor and get them to work with me that would be progress. I feel like I have been treated with neglection here. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Hello, I am having a problem wi th Wells Fargo Dealer Services ( my  car loan ). Around  XXXX  of  2016  I became unemployed. Therefore, I was having problems making my payments. I calle d WellsFargo Dealer Servic es and explained to a representative that I was unemployed and needed help making my payments. The representative stated that they could set up a payment arrangement. I was told to make my  XXXX  payment in  XXXX  parts. My monthly payment is {$440.00}. Therefore, we agreed that I would pay {$220.00} in  XXXX  and {$220.00} in  XXXX . I made my payments accordingly. They, however reported me as " late '' to the credit reporting agencies. This is unfair because I was never advised that though they set up a payment arrangement, they would still report me " late '' to the credit agencies. I spoke with a Supervisor at  Wellsfargo Dealer Services and also sent them a letter asking that they correct the problem. They refused to do so.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarFinance Capital LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Carfinance is reaging accounts. I had a chargeoff with them on XXXX XXXX. They were reporting a failure to pay on XXXX XXXX as well as falsely reporting a second failure to pay on XXXX XXXX. When I called them out on this and reported it to the credit bureaus, they then placed a last payment update as of XXXX XXXX, XXXX. I have not made a payment to this company since XXXX XXXX. It is illegal to report false payments and reage the account so that it stays on my credit report longer. This is fraud.

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 10-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Southwest Recovery Services, Inc. (OH).
Issue: Received a loan you didn't apply for

Complaint: I checked my credit report and see an unfamiliar account. I was given the run around about this account until I was told from a representative that it was from XXXX and they outsourced it to another company in which they are reporting it as a current account XXXX ... .... I did not make progress in resolving this matter as I have no knowledge of this account. 

Original Account Holder : XXXX XXXXXXXX XXXX Current holder : XXXX XXXX Amount : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (MD).
Issue: Managing the loan or lease

Complaint: I got approved to have my XXXX payment added to end of loan and it was reported late on credit report, this is not correct. I have attached my payment history, XXXX was extended to end of loan there should not be a late. XXXX payment was made XX/XX/XXXX, XXXX payment was made in full XX/XX/XXXX with the additional fees that were on my account, XXXX was made XX/XX/XXXX. My payments are due the XXXX of each month. The payment being extended was reflected in the system because when I login the payment system it reflects how many days late. This has been a problem in the past when I have received a courtesy payment extension to the back of the loan-skip a payment they have reported it as late to credit bureaus and I have to dispute. They should have proper reporting or not offer the service if they are going to hit your credit in error.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Applying for a personal loan with XXXX we were Informed we had negative information on the credit report. This has been a continuing problem with all three Credit reporting agencies- incorrect data, wrong information missing information. In evry inbstance it has caused us grave financial harm.

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 01/24/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Sallie Mae made my pay for forbearance up to 12 months for the life of the loan for up 3 months at a time because I could n't afford to pay my loan. 

Got from article against Navient law suit. In other cases, borrowers who would have qualified for lower-income-based payments under federal law were instead steered to something called " forbearance, '' which allowed them to skip some payments but saw their interest mount up, unnecessarily increasing the total they supposedly owed.The CFPB claims XXXX may have collected XXXX in interest it should n't have from putting people into forbearance, often multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 company " XXXX XXXX '' shows a first reported late date of XXXX. The vehicle had been repossessed and was in the possession of the creditor prior to this day. I have repeatedly disputed this with the credit bureau and creditor, as I want to ensure this is removed in a timely fashion when the seven year period of allowed reporting has elapsed in XXXX XXXX want the record either corrected to show first major delinquency of XXXX or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Somebody used my social security n identity at hospital in XXXX and I live in XXXX from last 6 years just called hospital and they put it in fraud and gon na investigate and call me back in 24 hours I called XXXX about the inaccurate collection in my credit report and they said gon na put it in dispute tried to do on Equafax online but in vain hopefully they can resolve this issue as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XXXX we fell on financial hard times and my Sallie Mae student loan went into default. In XXXX the loan was put into rehabilitation with XXXX Limited, successfully rehabbed and then sold to XXXX XXXX. All payments to XXXX were paid timely with no late payments as my bank account was debited automatically ever month. I was told that once the rehab was completed, all negative reporting would be removed from the credit bureaus. This did not happen. Despite the loan being successfully rehabbed, Sallie Mae is reporting the loan is being paid by insurance. The loan should carry the notation of " sold to another lender '' and per my agreement regarding the rehabilitation of the loan all negative reporting should be deleted from the bureaus. XXXX XXXX is reporting correctly with XXXX late payments. Despites filing disputes, Sallie Mae has not corrected their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: When I first signed for these investment property mortgages with Bank of America XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX They were for more than 80 % of the market value, hence, they imposed a PMI payment on top of the mortgage payment, with the understanding that when the properties appreciated to where the outstanding LTV debt was 80 % or less, the PMI would drop off. When the market value hit this target, I contacted B of A to have the PMI removed, and they said they could only drop it when the LTV was 75 %!! So then I wait until the properties further appreciated to 75 % and again asked B of A to remove the PMI, but they then told me that now the LTV has to be 70 %!!!! Please stop these thieves from continuing to rip me off

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 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Re : Consumer Financial Protection Bureau Case No. XXXX In Case Of Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXThis message will confirm receipt of Consumer Financial Protection Bureau, and in response to Trans Union LLC sent to Consumer Financial Protection Bureau in reference to Case No. XXXX, and continued dispute with Trans Union LLC that the information in my credit report is not accurate ( the account is not mine ) that references " XXXX XXXX Formerly XXXX # XXXX '' and should not be in my credit file, please delete at once. 

Additionally, attached, please find photocopies of verifying documentation in support of Case No. XXXX, which I am providing the following information and accompanying evidence so that Trans Union LLC can correct my credit file : XXXX Statement dated XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX ; and XXXX XXXX and XXXX XXXX -- XXXX Pay dated XXXX XXXX, XXXX. 

I recently discovered the proper and correct address that governs the taxable that XXXX residence premises evidenced by official records maintained by XXXX XXXX revenue authority and the agency that issued and approved the final occupancy permit certificate number XXXX, and final approved building/zoning certificate number XXXX on XXXX XXXX, XXXX, in connection with tax map identification numbers beginning with XXXX and XXXX ; and " Parent '' parcel identification number beginning with XXXX. Accordingly, expunge at once any reference regarding all created variations of the situs address that does not exactly match the address ( that is the situs address ) identified on final occupancy permit certificate number XXXX and final approved building/zoning certificate number XXXX. 
This negative mark is damaging my credit and my reputation. Please delete the information referencing " XXXX XXXX Formerly XXXX # XXXX '' at once and issue me and anyone who has requested a copy of my credit report with the previous six months or within the previous two years if requested for employment purposes a new credit report. 

I certify the information provided is true and accurate to the best of my knowledge and belief, which is also germane to the following land parcel data : Sincerely, I am /sXXXX XXXX XXXX on behalf XXXX XXXX XXXX Without XXXX, United States XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 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: XXXX  and Transunion are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at Transunion several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than 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 01/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX sets of student loans, XXXX set which began repayment in XXXX, and XXXX that began repayment in XXXX. The XXXX loans are paid via direct debit from my bank account, with the XXXX loans paid by manual payments set up by me. Last month, rather than specifying that my manual payment should be applied to ONLY the XXXX loans, I decided that I would just pay the listed payment due in total and assumed that the lender would apply my payment toward amounts still actually due. Instead, they applied my payment across all of my loans, so that when I logged in today to get my XXXX, I was greeted with a warning that a payment of {$88.00} was past due, despite both of my normal total payment amounts being cleared with my bank ( {$170.00} for the XXXX loans and {$170.00} for my XXXX loans ), because they incorrectly applied my payment. I feel this is a predatory practice and that payments should be automatically applied to all amounts due, unless specified otherwise. This is how people end up with negative credit marks and ballooning interest amounts : the lenders do things out of convenience instead of common sense. Fortunately, it 's tax time so I happened to check the website more often than usual.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Conventional home mortgage) with MIDFIRST BANK (NY).
Issue: Struggling to pay mortgage

Complaint: onXX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX as a nominee for XXXX XXXX XXXX a New York Corporation to XXXX XXXX XXXX XXXX XXXX  as trustee on behalf of holders of OPTEMAC Asset Backed Pass-Through Certificates, Series XX/XX/XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house onXX/XX/XXXX in the amount of {$300000.00}? OnXX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I never received statements from   XXXX   XXXX  . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit report there is a line item under the section titled " Hard Inquiries '' from a Company called XXXX, dated XX/XX/XXXX ( to be removed by XX/XX/XXXX ). I had to look them up because they were the only hard inquiry on my report that I did not recognize. They turned out to be XXXX. I do not have any XXXX credit cards nor have I ever applied for any XXXX payment arrangements. I sent a letter to Equifax because my credit score is fairly low and any help that I can get will benefit me, but I have not heard back from them yet. Pease provide me with some assistance with this issue? Again, any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The company credit bureaus Equifax removed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 


The credit bureau XXXX removed a collection from XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and also Afni XXXX in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 

These Accounts were disputed by Law Offices of XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with AFNI INC. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I contacted XXXX XXXX on XXXX XXXX, and XXXX XXXX of this year, telling them about the problem and they refuse to fix it

Company response to consumer: Closed with explanation