milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Some personal information listed belongs to another family member

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC is reporting I owe XXXX XXXX I have never had XXXX XXXX this is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several times a week I get a call from EOS CCA saying that I have debt I need to repay. However, it is not my debt. I am completely up to date with all my bills and ALWAYS have been. I even called my utilities services to confirm and all said I do not have any outstanding balances. I tried to explain to EOS CCA but they continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQUIFAX continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 12 times and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act. XXXX is guilty of Fraud. XXXX & XXXX XXXX have removed XXXX from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Seventh Avenue company from XXXX WI claims I owe their company XXXX this debt appears on my credit report. I have contacted the company by phone, email and letters but to no avail. They asked I complete a FTC identity theft form but my identy was not stolen. I am asking that this debt be removed from my credit reports as it is not mine. I sent a letter months ago that they have not responded to.

Company response to consumer: Closed
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: issues for years : Problem now will not show me how last payment posted always some kind of fees to make my 'Unapplied balance '' disappear. 
, I think at some point converted loan type from original XXXX, convention fixed rate to interest bearing loan '' done by servicers. that is why money is not correct, balance not going down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jones, Robin & Robin, P.C. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My husband owed a debt to a certain bank which unfortunately we had to stop making payments on because of his financial situation. He is & has been on a fixed income since 2005 ( XXXX, XXXX funding ). He was served a summons of garnishment from a creditor in the county we live in. My complaint, in the state of GA certain funds are exempt from garnishment, XXXX funds just to name a few. Our bank protected his XXXX funds however they did not protect his pension or workers comp deposits from being garnished and this is the only income provided to him to manage, take care of our entire households survival. What I want to know can we sue our bank for not protecting these funds? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan payments are {$1000.00} a month. Everyone else I graduated with does not have a payment this high. I think I filled out my fasfa wrong or something. I do n't understand why my payments are so high and why I did n't get any grants from XXXX. I also believed that it would be 6-7 % interest on the whole loan not compound daily. I make {$1700.00} after taxes. I pay another {$75.00} in sub and unsub loans a month. I literally make enough money to pay my car payment, car insurance and gas to get to work. I had to get a second job just so I can eat. I literally debate whether it is worth living everyday. Can you please see if there is something you can do? 

Also, I remember shortly after I graduated XXXX President had to step down or something because there was a money scandal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: House was scheduled for Foreclosure on XX/XX/XXXX As of XX/XX/XXXX I was still in a possible loan modification. I have the paperwork to show this from the lender.

OnXX/XX/XXXX I spoke with lender who said they would not foreclose on me and would removed my home from the auction based on a cash for keys deal. This was on a recorded line verified by my lender.

In a letter dated XX/XX/XXXX my lender stated that they were reviewing my modification. 

Lender is 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 08-07-2017 about Debt collection (Other debt) with Williams & Fudge, Inc (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called to pay a balance my school reported to them for {$3600.00}. They tell me that I owe {$4700.00}. Now I owe over {$1000.00} to pay a past due debt? This is rediculous. They are badgering XXXX and taking advantage of us. If I did n't have the {$3600.00}, why would you hike it up over {$1000.00}. I am in talks now with my school, because even my school mentioned that this is absurd. They will be contacting the agency. Whoever added this astronomical fee to my debt will pay severly. Please contact this agency to resolve this. I am willing to pay the {$3600.00}, but they are really on the high end for fees. They are using unfair debt collection practices to bully me into paying for these high fees for their commissions. They are telling me that this balance comes from the school. The school said they did not send over the {$4700.00} to be paid. They sent the balance fo {$3600.00} to be paid. I have attached the screen shot of my XXXX account. I have also attached an email I received from Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (FHA mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Trouble during payment process

Complaint: XXXX ,  XXXX , Assistant Prosecuting Attorney of the Civil Division-Tax Unit. Sent an e-mail to  XXXX   XXXX  on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX    XXXX   It was also sent to  XXXX   XXXX   XXXX  It was titled FW : proposed Confirmation Entry In the body of the text it states the following Hello I approve of the Entry Thank You  XXXX   Jin Assistant  Prosecuting Attorney Civil Division-Tax Unit  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  OH  XXXX  Phone  XXXX  Fax  XXXX  Office of  XXXX   XXXX   XXXX  County Prosecuting Attorney  XXXX  County Prosecutors  XXXX   XXXX   County Prosecutors Office  This e-mail was sent in response to the e-mail sent on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  from  XXXX   XXXX   XXXX , Legal Assistant at  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  LPA with the Subject proposed Confirmation  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  al Case No.  XXXX  Our File :  XXXX  Good Morining Please see the attached proposed judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry Please provide either your approval or changes.     I never have the opportunity to review this information. Please  e  send me the entire attachment titled  XXXX   XXXX c and//or what is titled Our File :  XXXX  in the e-mail of  XXXX   XXXX   XXXX   ( debt collector ) Please answer the following questions : 1. I was never given the opportunity to read this file titled Our File  :  XXXX  please explain in detail what information is in this file?    2.  Please send me a copy of all information in the file and any documentation associated with the file  3 . What is the contents within the file you received from  XXXX   XXXX   XXXX   4.  Why was it sent to you to revie w 5. What is the meaning of Entry 6.  Is the Judgment Entry that is confirming the sale for  XXXX   XXXX  to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , or   XXXX   7. Who provided you with the information that is contained in the attached titled  XXXX    XXXX   and/or the information within the e-mail identified as Our File :  XXXX  The original e-mail is attached

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016 I sent Equifax a notarized letter that there were inquiries on my account that I did not verify and did not recognize. I gave them a list of companies that I never asked to verify my credit. I requested that they verify the accounts and send me verifiable proof with my signature. They replied that the inquiries were verified but did not provide me with a verifiable signature from me authorizing the companies to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Medical) with Alliance Group & Associates LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Received multiple calls last week and each time I answered the phone, the person would hang up. I called back several more times and after getting the man on the phone, he told me there was a problem with the calling system. He finally told me who he was and that he was calling about a debt that occurred in XXXX for {$150.00} ( co-pay ). He became very hostile and said I needed to pay my XXXX bill. After asking to speak to a supervisor, he hung up on me. I called back three more times ( each time resulted in him hanging up on me ) until he finally put me on the phone with a supervisor ( she assured me he would be disciplined for his behavior ). I did make a payment arrangement for XXXX of the bill because I felt like it had already been paid but was told that my credit would be affected if I did not " handle my business like an adult ''. Since then, I received two more phone calls from XXXX different companiesXXXX claiming they are calling to recover the same {$150.00} for the same XXXX account. I called XXXX and asked to speak to the supervisor over billing. I was told that first of all, they did not know why a company would be trying to collect on a {$150.00} account from XXXX plus years ago and that they ( XXXX XXXX felt as if it was a scam. She advised me to call and cancel my transaction with Alliance Group and Associates because the only thing they showed in their archives was a {$50.00} co-pay that had been taken care of years ago. I did as they suggested and called Alliance, only to be spoken to by XXXX in a hostile and belittling manner. When I repeatedly told him I wanted the transaction cancelled and documentation showing the cancellation, he very rudely asked me did I want to, " handle things my way or the right way?!? '' and finally put me on the phone with his supervisor. She advised that the transaction would be cancelled but would not send me any supporting documentation, though I asked several times for something in writing. Alliance repeatedly called my elderly parents home, harassing them and even called my former in-laws, who I had not spoken to since XXXX, and left hostile messages on THEIR answering machine. This company is highly unprofessional, unethical and I feel almost criminal in how they do business. Even the hospital said they have no idea how, 15 plus years later, they got a hold of my account information. In closing, both XXXX and his supervisor, XXXX, threatened to have to, " call the original account holder that purchased my account and tell them I was uncooperative '', saying I was setting myself up for legal problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IA).
Issue: Other

Complaint: I obtained an American Express Platinum Card that had a bonus of XXXX points after spending {$3000.00} in 3 months. 

I completed the spending and received the XXXX points. However, American Express has frozen the points on my account and it has been close to 2 months since my points have been frozen without any notification as to when they will be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
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 submitted proof to XXXX that my loan with Citibank was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. Citibank continues to provide the wrong information. Over the past two decades, I have received multiple letters from Citibank, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, Citibank is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either Citibank or XXXX to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was Citibank, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.

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 05/18/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Struggling to pay mortgage

Complaint: While the loan was with XXXX XXXX XXXX I was offer a trial loan modification. I began making payments to bring the mortgage into a current status XXXX accepted payments from XXXX XXXX until XXXX XXXX fulfilling my trial modification. I continued to make payments but the bank refused to accept any further payments after XXXX. All payments that were sent to XXXX were returned and not applied to the mortgage. How can pay a mortgage when they do n't accept payments. I in attempted in good faith to put my mortgage and pay off my debt as per the agreement with the bank and XXXX. They did not live up to their promises also XXXX refused to send multiple documents that were requested. Also documents that were sent to me in XXXX were from XXXX but we 're notarized in XXXX. Also these documents were from XXXX different companies and the originator of the document that was made in XXXX no longer existed in XXXX. How can a company notarized and state that a document is accurate when they did not create it. Than I looked into the head attorney for XXXX and found out it was XXXX XXXX XXXX pc. After doing research I easily found that he was no longer in business because of thousands of illegal immoral and unconcinable business 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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have mailed in my police report and FTC affidavit 2 times to Experian on fraudulent accounts reported on my credit report by XXXX XXXX XXXX XXXX and Experian has refused to block these fraudulent accounts. 

I received 2 letters from Experian stating I have filed these disputes with knowledge that these accounts are mine or the disputes were made in error and that the have validation that these accounts as mine? 

NO proof has ever been mailed nor have I ever even been contacted by XXXX XXXX. I never even knew about these accounts until I checked my Experian credit report. I will be filing a separate complaint on the the data furnisher as well. 

Under FACTA law- Experian is supposed to block these accounts upon receiving my police report and FTC affidavit. They have violated this twice. The other 2 credit reporting agencies have already deleted these accounts but Experian has refused both times. These fraudulent accounts are updating false information monthly and ruining my credit. Experian allowing this to happen this is an unfair business act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief