milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 paid off XXXX XXXX XXXX XXXX or XXXX on Equifax ( XXXX XXXX XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact Equifax, XXXX and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested Equifax to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I called the agency to follow up with my dispute, I was supposed to be transferred to an agent instead I was hung up on after being on hold for 10 minutes. I than called back and tried to resolve my issue the service agent said he could n't do anything they looked at the bill from the supposed place I received services. I said I disputed this with the other XXXX agencies and had no problems having it removed, because this never happened I did n't even live in the State at the time. I asked to speak to a manager. I spoke with a XXXX XXXX, he stated the same thing, he then called me a liar! I asked how I can prove this information and what he needed from me as I would be happy to send in what he needed. he stated that is for you to figure out, I said XXXX you are the agency what do you need from me. he said nothing, because we already have what we need. I said, but it is wrong and the other XXXX agencies know it 's wrong and this is affecting my credit. He then said here is an email address with no other information or what I needed to send in. He also threatened me by saying he is going to get the right information to the other XXXX agencies as I am a liar. I said sir these phone calls are recorded and he said he did n't care. They refuse to look into this as all they have is some supposed bill from the doctor 's office two years after supposed services took place at an address I had n't even lived at, at the time services were supposedly rendered. I spoke to the lady at the doctors office who admitted they never once called me about a bill nor did they mail me XXXX. EVER. I had a physical with them in 2010, I had insurance and paid a {$25.00} copay during the time of the visit. This bill was filed two years later and the amount is {$340.00}, I was not even living in the State at the time. Please, look into this matter. I am filing a formal complaint for the way I was treated by management as well. I am upstanding citizen with a good credit score according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with College Foundation, Inc. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have 3 student loans with XXXX and I have paid off two loans before the deferment period. I paid off by calling them in person and asked for the latest balance and paid the balance on the same day I called to ask the balance. After I have paid off the two loans, I received the letters from XXXX that my loans are paid in full. I check my online account nearly every week and the two loans I paid off disappeared from my loan list. So I was sure that I have paid them off and I am in the clear. Months later, I saw that there were some balances on the two loans that I paid off suddenly. When I called and ask XXXX, customer service can not give me the answer and just told me to wait for unknown amount of time and they may send a letter in the mail after they ask some other department. I asked to transfer me to this department to get the answer and they said they can not do that. 

If a student can not even trust that her loans that she thought were paid off were not paid off and accumulating interest without her knowledge. Then why XXXX sent me letters that I have paid off my loans? This is very irresponsible system and should be fixed. If I can not trust this, now if I paid off what is left again, how can I be sure that I wo n't see any surprise balances two or ten years later? And worse, if I do not check my account because I was under the impression that I have paid off my loans. 

Below, I attached proofs of my last 4 statements : from XX/XX/XXXX-XX/XX/XXXX, where two loans I had paid off not even show up on the list and suddenly in XX/XX/XXXX, it showed up. How can I as a student trust this institution?

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (FL).
Issue: Problem with customer service

Complaint: I first sent my complaint to Equifax back in XXXX XXXX XXXX  2017. Along with police report and supporting documents.  Explaining to them about the problem that I was having with XXXX XXXX for a fraudulent foreclosure against my property. After receiving my credit report. I asked to please remove XXXX XXXX  from my credit report. And said me a letter in writing updating the report wish Equifax refuse to do. I was told that there were not be able to do that write a letter but they would remove it from the credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Disputed information with Equifax regarding a XXXX XXXX credit card disputing to late payments : XXXX - XXXX, XXXX - XXXX. In speaking with agent, I asked at what point will these late payments cease to have a negative impact on my credit score provided by Equifax ; the score provided to the consumer and the score provided to a potential lender. 

XXXX agent disconnected the call. XXXX agent had to escalate to a Call Center Supervisor. Unfortunately, the Call Center Supervisor did not directly answer the question. Instead, explained that a potential lender has the ability to utilize multiple scoring models from each Credit Reporting Agency. Then, placed the responsibility the potential lenders and the score cards used when evaluating a consumer for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On or about XX/XX/ I went onto the XXXX 's website to manage my account. I entered a new payment source as I closed my previous checking account do to a merchant 's unauthorized charges. The new payment source included the new routing and account number. I then set-up a {$200.00} payment for a bill that required only a {$27.00} payment. The payment confirmed with reference # XXXX. At the conclusion of the transaction a message came up on, " We will verify this account and process the payment ''. That is not what occurred, instead, XXXX XXXX attempted to take the payment from the closed checking account. As a result, XXXX 's reversed the payment and charged me two ( 2 ) {$27.00} charges. One was for a late fee, and the other was for a returned check charge. I was also charged {$8.00} in interest which should not have been assessed. I received a call late the evening of XX/XX/ from XXXX XXXX indicating my payment was late. After he reviewed the history, he agreed this was their error and was supposed to reverse the fees and interest. Additionally, he reprocessed the {$200.00} payment under the correct account. Currently, XXXX XXXX has only refunded one ( 1 ) {$27.00} fee. I have not been credited the {$27.00} fee or the {$8.00} in interest that was charged. I have talked to several XXXX 's credit employees about this situation and was even told the correct {$200.00} payment is floating and has not been processed. My bank confirmed XXXX XXXX has not processed it through my account. This entire situation was the fault of XXXX 's not mine. The representatives are uneducated and unskilled, passing me others, On XX/XX/, I was left on hold and ended up on the phone with an hour trying to get this resolved. It still is not.

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 10/29/2016 about Bank account or service ((CD) Certificate of deposit) with CNG FINANCIAL CORPORATION (WI).
Issue: Deposits and withdrawals

Complaint: Check-n -Go XXXX XXXX XXXX say i owe them cash i dont the last ower had got paid and i feel this person is wrong for asking to repet it i dont understand wat was ask how it got paid was deit reflel program instant help by XXXX XXXX XXXX is unfair missing from my check on XXXX of month by way that is my rent hay a waivie plesae.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Transunion and XXXX credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief '' .Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report

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 12/24/2015 about Debt collection (I do not know) with BARCLAYS BANK DELAWARE (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Harassing calls and bringing up the past credit one bank with XXXX credit monitoring

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Problems when you are unable to pay

Complaint: This company has made repeated calls to me on my cell phone and at work. They call me from cell phones without identifying who they are just saying " hey, call me ''. they call my contacts and relatives from unknown cell numbers saying " hey, call me '' so that they will get a returned call. They have called every one of my list of contacts in one day saying they were looking for me. They call me one time and if I do n't answer they call my daughter and tell her that they are looking for me. They 've called my daughter 's boyfriend, my former mother in law and both my daughters on their cell phones saying they were looking for me. They have also done an unauthorized credit bureau check in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: During XXXX XXXX, the state of NJ was hit hard. It was a natural disaster. As with others, my husband and I suffered financially. I asked Nationstar Mortgage to move the payment to the back of my loan, they advised they would be in touch but no one ever returned a call. My family had arranged this with their mortgage companies and no one had issues. I started receiving notices that I was late or not making a payment. I have never been late since then. I have been sending them letters, emails and making phone calls asking for help but they have proven to be heartless. They have now impacted my credit. All other loans have been paid off but they are preventing me now from being able to move forward. I even requested to be able to pay the mortgage payment for XXXX XXXX and the fees be waived but they proved either further to be heartless and not care about their customers. I need to be able to publicize the disgrace and demonstrate how greedy they are. I really need to finance but since this is on my credit I am struggling. Please help me. I have worked relentlessly on ensuring my credit is kept up to par to allow my family and I to have a great life. The records will indicate that I have never been late on my mortgage payments until this was placed on my credit. I do n't understand why they do n't want to work with their customers. At the time, my job was shut down so I was n't paid so I just needed more time. XXXX XXXX XXXX and all other debtors were more than understanding and was happy that I was alive! Nationstar Mortgage did n't care if my family and I survived, they only wanted their mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never received a notice from the ORIGINAL creditor which was XXXX XXXX XXXX. My insurance covered the visit and the amount billed to me was incorrect. I talked to someone over the phone and said the bill was fully covered through my insurance. Months later I got an email from XXXX XXXX stating I have a collections account from XXXX XXXX audit for {$68.00} which is only reporting through Equifax. This contract was CANCELLED and this collection company does NOT HAVE A CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Line of Credit with Chase on XX/XX/XXXX. This was part of my retirement financial planning. I XXXX XX/XX/XXXX. Since that time I have continually used my line of credit and also took out a Reverse Mortgage. In a letter dated XX/XX/XXXX Chase advised they were no longer offering personal Lines of Credit as a product. They said in the letter they understand access to credit is important to me. If they did understand, they would recognize the impact of this decision on XXXX. The alternatives they suggest are credit cards and a home equity line of credit. These are not viable options for XXXX. The interest on credit cards is prohibitive and not tax deductible. A home equity is also not an option for XXXX with a Reverse Mortgage. I understand discontinuing a product and/or a service. What I do not understand is Chases 's failure to recognize the consequence their decision has on their customers, especially XXXX. What I really do not understand is the decision not to offer existing customers the option of retaining their accounts. I have had this account for 21 years and now that I am left with no other recourse because I am a XXXX, they are " pulling the " plug ''. I find this decision not to " grandfather '' this product for existing customers, specifically XXXX, discriminatory

Company response to consumer: Closed
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy.

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 02-12-2018 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Amsher called many times. I told them my insurance company was resubmitting the claim, because the insurance company had made a mistake. They didn't care. XXXX and XXXX were rude and belligerent to the point of bullying. I am a XXXX veteran and it took me a long time to get over the phone call. I then called my insurance company and found out the bill had been paid to the provider. Something has to be done to stop these people. They are out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX 2016, Citi Bank closed all my credit cards unexpected and about XXXX thank you points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fees on multiple cards and just lost all benefits I should enjoy upon the account closure.

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 04/29/2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (NM).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacting my father and other family memebers on theirr cell phones and at their jobs. They have never mailed anything to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Application, originator, mortgage broker

Complaint: During the financial crisis of 2008 I ran into problems and applied for a loan modification. I was accepted and received a lower rate for 5 years. 
After 5 years the rate increased by 1 % point per year. During those 5 years I never missed a payment. Each payment was on time. The increase of 1 % point per year has turned into a problem. The problem is that when I go to refinance no lender wants to touch the modified loan. 
I have been told that my situation is unusual in that I have made all the payments since the modification and lenders do not know what to do with the loan, therefore no one will bother refinancing me. I am at a crossroad an and looking for some guidance on what I may be able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I HAD  XXXX  CAPITA L ONE CREDIT  CARDS COMPROMISED DUE TO IDENTITY THEFT. WHEN I CALLED  XXXX  APITAL ONE AND LET THEM KNOW I WAS NOT THE ONE THAT REQUESTED THE NEW CARDS OR CHANGED THE  ACCOUNT INFORMATION THEY TOLD ME THAT THE FRAUDULENT CARDS WOULD BE CANCELLED AND NEW CARDS ISSUED TO ME. THIS WAS ON  XXXX  -2017. THE NEXT DAY I REC EIVED AN EMAIL THAT THE BALANCE OF  XXXX  OF THE CARDS HAD BEEN PAID IN FULL. THE ACCOUNT THAT PAID THIS WAS NOT MINE AND I ASKED THAT THE PAYMENT BE REMOVED DUE TO THE PRIOR DAYS EVENTS. THEY SAID IT WOULD JUST FALL OFF THE ACCOUNT IF IT WAS NOT A LEGITIMATE PAYMENT. THEN I RECEIVED AN EMAIL FROM THEM SAYING THAT MY NEW CREDIT CARDS HAD BEEN SHIPPED VIA   XXXX   XXXX    XXXX . WHEN I TRACKED THE PACKAGE THEY WERE SENT TO THE FRAUDULENT ADDRESS IN  XXXX   XXXX  FL AND SIGNED FOR BY  XXXX   XXXX . I ASKED THE FRAUD DEPARTMENT HOW THE CARDS COULD HAVE BEEN EXPRESS SHIPPED AFTER THEY TOLD ME THE CARDS HAD BEEN CANCELLED. THEY TOLD ME THEY CAN ONLY DO ONE CANCELLATION IN A  24  HOUR PERIOD. THEY HAD NO NOTES THAT THEY HAD EVEN SPOKEN WITH ME ON  XXXX  -2017. THE O NLY CARDS OF MINE THAT WERE COMPROMISED WERE ISSUED BY CAPITAL ONE AND I 'M A BIT CONCERNED THAT IT COULD BE AN INTERNAL ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Phoenix Financial Services LLC (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Phoenix Financial Service continues to report negative information on my credit reports in regards to a location in which I did not reside. I recently received a copy of my credit report ( XXXX, XXXX and XXXX ) and after reviewing it I found questionable items listed by Phoenix Financial Service. In the past, I have asked that Phoenix Financial Service send me copies of the documents that they have in their files that are used to verify the accuracy of the account. I have no documentation with an account number. No one has ever answered my request. In fact, Phoenix Financial Service completely fails to disclose to me all of the documents that they have in their possession that is concerning the account that is being reported negatively in my credit report. Instead of providing me with the documentation, Phoenix Financial Service insists that the account has been verified and is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (IL).
Issue: Problems when you are unable to pay

Complaint: I financed a new vehicle in 2012, while having a job of 44 years. I became XXXX and are now receiving SS benefits. With being on a fixed income, medications such as XXXX XXXX and doctor bills, then regular cost of living, housing, etc these very high monthly payments are a struggle. All I 'm asking is to lower my monthly payments, so I have a vehicle for doctors appts, grcery store, church, etc. My finance company refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 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: Account status incorrect

Complaint: Equifax continues to report a medical bill of {$100.00} on credit report that has been paid.

Company response to consumer: Closed with explanation