milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: All three credit bureaus : XXXX, Equifax and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. Equifax has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello, Equifax has block/removed my profile information within their monitoring system ...! I use Equifax monitoring system to monitor my credit. Every since I responded to case number # XXXX. Showing that Equifax stated they an inquiry was not reporting to my credit, but once you look on their monitoring system, you can clear see the information still reported my profile ... Now, today when access Equifax Monitor System it displays no information at ALL!!! 

I have complained about Equifax adding a number of different account to my credit and report and they have yet to resolve the issue and I have got denied credit because of their errors ... Please see the attachment, which clearly shows Equifax Monitor and with no data for me, but I 'm a paying customer that had data before they were caught not being honest. 

My score was fine on XXXX XXXX and after that a number of BAD ACCOUNTS WERE added to my credit report by Equifax including a number of inquiries ... I have requested Equifax to place my account as it was on XXXX XXXX and they have yet to do so. 
I have attached both of those reports from the XXXX XXXX and XXXX XXXX, please see the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax did not provide me with documents that collection account belongs to me.

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 Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX ,  XXXX   XXXX  I contacted Experian in regards to several inquiries on my credit report that I did not authorize. I contacted them after first submitting a dispute online for the accounts. The results returned showing none of these accounts removed from my report. On  Sunday ,  XXXX   XXXX , I received a notification from  XXXX   XXXX , the company that is working on my behalf to help restore credit, stating my credit report had changed. Upon logging into my account it reflected  6  new inquiries to my report as of  XXXX   XXXX ,   XXXX   in addition to those inquiries already on my report prior to the dispute. I contacted Experian again on  XXXX   XXXX  in regards to this and was advised that there are no new inquiries and any inquiries on my report would remain there for 2 years.     The accounts that updated showing negative hard inquiries as of  XXXX   XXXX  were  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Card, and  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 01/20/2017 about Mortgage (Conventional fixed mortgage) with PULTE MORTGAGE L.L.C. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I made two payments on my loan XX/XX/XXXX with Pulte Mortgage. both payments were credited to my account XX/XX/2016. I was anticipating my XXXX IRS reporting form to include all payments made and credited to my account XX/XX/2016 but it did n't. Pulte only gave me credit for one payment telling me that it is against the law for them to give me credit for the 2nd payment XX/XX/2016 ( although it was credited to my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: DOCKET : XXXX XXXX XXXX XXXX V. XXXX XXXX, XXXX XXXX I defaulted in this loan back in XX/XX/XXXX. I have made every attempt possible with GMAC, OCWEN, XXXX XXXX to get a modification that is duable. This bank does not have my original note, they told the judge that the NOTE was lost on or about XX/XX/XXXX. I defaulted when I loss my job on XX/XX/XXXX. I sent packages, they tried to foreclose me and released the liens pends. I filed for bankruptcy, debt was discharged. It has been over 7 years, going on my 8th year fighting with these institutions. During my bankruptcy, the bank abandoned the property, after discharged they assigned the loan to XXXX XXXX  who made my loan part of a securitization. My loan is a JUNK loan, they had given me an arm loan. I have asked them to reduce the principal amount as GMAC and XXXX XXXX settled with the Federal Government and they wo n't do it. They are offering me a 30 year balloon at 4 % with monthly payments of over {$2900.00} for a dilapidated home that wo n't appraise for {$320000.00}. The principal amount they are looking for is almost $ 650K. This is crazy, someone please help. These thieves are ruining our country. On XX/XX/XXXX my lawyers have a conference call with a foreclosure mediation at XXXX XXXX. The superior court clerk 's office is XXXX ( open from XXXX to XXXX XXXX ) email to participate is XXXX I have not been properly served notices ( mailed to me past any deadline ) or simply I have not been served ) I have asked for copy of my original NOTE, they ignored my request. 
I have asked for reduction of principal amount, they ignore my request I have asked for relief while I was unemployed, they accelerated my foreclosure I have met every single agreement requested by the lender 's attorney during mediation I am a single mother of Two college students, hardly making {$15.00} per hour and my husband is incarcerated. I need someone to take a look at this mess and try to fix it and help me. A 40 year balloon at 4 % is no RELIEF!!!!!!! please have someone one call me at XXXX. There should be a statue of limitations, there should be relief, whenever I asked for help I did not get any, to the point that I had to hire a lawyer. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - Phone : ( XXXX ) XXXX Ask for XXXX ( XXXX ) or you may reach me at XXXX. PLEASE HELP ME SAVE MY HOME

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the manager. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Credit card) with MRS BPO, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: Funds being withheld have direct deposit have n't been able to get funds in a week and I have bills to pay and a daughter to feed..have rx need filing and with no money due to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX on XXXX XXXX to Ditech. I have been making my payments on time. I received a letter from Ditech stating there is an escrow shortage of {$7900.00} on XXXX/XXXX/XXXX and stated that the payments would increase from {$850.00} to {$1000.00} on XXXX without explanation as to how there is a shortage on my account. I do n't understand how my payment for my escrow account could go up from {$100.00} to {$330.00} without a reasonable explanation. I tried calling to resolve without success and no answers to my situation. I received a history of account and it was so small that it was hard to read so I requested a new one that was in print I could read and they refused. I was able to tell that the account history does not provide an explanation for the escrow shortage. I did speak with XXXX towards the end of XXXX and I was told there was in fact an error made and I would have a response by the XXXX of XXXX and I called today with my counselor and the case is still in investigation. I sent a letter to request that the information be corrected or that an explanation be provided on XXXX/XXXX/XXXX and have still not received a response which according to regulations should have happened within 30 days. My first payment for the {$1000.00} is due this month and I do not have extra money to pay this higher amount ; this was expressed to Ditech and they said I still have to pay the full amount even though they have taken longer to investigate the case. My housing counselor spoke with XXXX and stated that I had no shortage on XXXX XXXX when it was previously serviced from XXXX. Counselor called Ditech during appointment and spoke with XXXX ID # XXXX who stated that I did not have an escrow shortage prior to loan transfer from XXXX in XXXX of XXXX and believes this is a mistake. Counselor asked that the issue be fixed before payment accrues late fees on the XXXX of XXXX, XXXX stated that the full payment must be made and stated the amount for the escrow would be refunded when it is resolved but I do not have extra money to pay {$200.00} more this month. I am now reaching out to you to help me resolve this issue with Ditech because I have not been able to get the issue fixed and they have not given me a date by when they will have this fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We went to Bank of America to ask for a refi of our XXXX & XXXX mortgage - they would not process the request. 

We then asked for their help with a loan modification when we realized that our XXXX mortgage with BofA would convert into a fixed rate loan with monthly payments of {$2300.00} & our XXXX mortgage is {$2900.00} with an interest rate of 5.750 %. Boba declined our request for a loan modification. 

We would have been eligible for government assistance under HARP but BofA wo n't sell our loan to XXXX - they are holding us hostage in a loan that we can not afford.

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 02/16/2018 about Debt collection (I do not know) with St.John Cobb Inc (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harassing phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with CAINE & WEINER COMPANY, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Caine & Weiner Inc. continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a letter from Sunrise Credit Services , Inc in XXXX, NY notifying us that we have a balance due of {$32.00} for XXXX XXXX. After thinking about it, I realized that yes I did receive the magazine but it was always paid for in advance and that I should n't owe any money. I called Sunrise Credit this morning to inquire about this and to determine when it was due. I was told there was nothing due but they worked for XXXX XXXX in order to renew my subscription. I asked them if I owed any money and all she said is do you want to renew. I said 'no ' and she told me to have a nice day and quickly hung up. This is an extremely unfair way to convince people to renew magazine subscriptions and upset me thinking I had a debt that went to a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My issue is with XXXX, the XXXX XXXX. XXXX XXXX major contracted loan servicing company. This is the loan servicer that borrowers are *forced* to use when attempting to have their loans forgiven via the Public Service Loan Forgiveness program . They are notoriously incompetent, and so I have exercised extra vigilance in monitoring how my loan payments have been handled. Even with my extra effortsand even though I've only been paying XXXX for a year and a halfthey have already massively bungled my PSLF. My complaints : 1. They have miscounted the number of of qualifying payments I have made towards PSLF. Despite direct debit, which provides explicit documentation of every payment I have ever made to them ; and despite the fact the I have only worked at one employer the entire time my loans have been serviced by XXXX other words, despite an extremely straight-forward PSLF situationthey have *still* miscounted the number of qualifying payments I have made, missing the mark by six whole payments ( months ). Calls to customer service have been fruitless and frustrating, and it took a call to the federal student loan ombudsman to receive the " secret '' phone number to an " escalated '' ombudsman who actually took the time to hear my complaint. 

2. In the process of sorting through the above, I discovered that, when XXXX XXXX consolidated and received my loans from my original servicer ( the much more reputable XXXX XXXX ), they neglected to take ownership of two of my original loans. I was not alerted to this fact. In fact, I was not made aware at all that they could possibly not take ownership of my entire debt ; I was only told that my loans had been successfully transferred. The result is that, for 13 months, I had two long-lost loans that remained at XXXX XXXX, that were going unpaid and unnoticed by me. I then spent 3 hours on the phone, with XXXX separate ombudsman ( at the federal level, at XXXX XXXX, and at XXXX XXXX ), and I still have no clarity on what I need to do with these lost loans

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Multiple incorrect addresses on my report. 

Four addresses related to Post Office Boxes that have never belonged to me. 

Incorrect employment record : I did not work for either XXXX and XXXX or XXXX and XXXX in 2004 Finally, this is the only credit bureau that has seen fit to invade my privacy and report 7 phone numbers!! Most of these are not even mine and I want ALL OF THEM 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 non-monetary relief