milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
Released tax lien XXXX This tax lien has been released and is from XXXX! It was removed from my file in XXXX and has been reinserted and shows that I owe money. I do NOT owe anything on this. Please remove this from my file. I am including the proof. 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I do n't know why this is reporting as lost or stolen ; please remove this status - I did not lose my card Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX XXXX XXXX ( listed 3 times ) I lost my card one time and it is listed 3 separate times and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX took over my original loan and since then have been trying to foreclose on my mortgage. I 've never missed a payment and when I call them they are ver abusive. When I asked them if I 'm being descriminate against they said yes and the reason is because in XXXX 2011 I filed for bankruptcy. I 've been served for closing papers twice and I 've had strips of papers left on my door saying that an inspector was there to see if anyone lived in the property. I hope you can help me fast. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/2017 and XX/XX/2017 your company pulled my credit again. I have been going through this for a year with you guys and its getting old and annoying. I dont know if their is a glitch in your system or someone is purposely running my information periodically. Please remove inquiries from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Debt collection (Medical) with American Revenue Management, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have contacted American Revenue Management on 5 separate occasions about an unknown entry they have placed on my credit. 
I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the account belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Payday loan) with Big Picture Loans, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX was employed by Castle Payday to collect a payday loan debt from me. As an aside, this loan was taken out by an identity thief. XXXX XXXX contacted me using automated voice messages for several months. They called as many as XXXX times in XXXX day. They called from numerous different phone numbers in different area codes. They also contacted my family members. Occasionally a live person contacted me, but the conversation ended when it started as they asked me to verify information about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.

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 02-12-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I would like this paid student loan off my credit report so my credit score can get better

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.

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 03/22/2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The XXXX XXXX XXXX XXXX called me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to collect a debt for the same amount of XXXX as a collection agency called XXXX XXXX XXXX. They demanded that I answer the call today ( XX/XX/XXXX ) to ensure it wouldnt go on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: To Date there have been no response for my request for an audit with FedLoan Servicing. Your form clearly states to mark " STILL EMPLOYED '' box, which indicates XXXX XXXX, XXXX XXXX, XXXX ( date signed ) that I am still employed with the XXXX FL XXXX. No Public Service Loan Forgiveness ( PSLF ) credits were issued XXXX XXXX, XXXX - XXXX XXXX, XXXX ( date document signed ). Clearly that is more than the XXXX Credits FedLoan reports. 
2. FedLoan is falsely reporting I was in forbearance for times when payments were made. I would not make payments during forbearance ( i.e. that is what forbearance requests is for ... inability to make payments ). 
3. FedLoan Servicing intentionally mislead me by offering to consolidate my other XXXX loans into Direct Loans so that the Public Service Loan Forgiveness payments for those loans will apply since they will also be converted under a Direct Loan. Then, FedLoan Servicing enrolled me on " graduated payments '' fully knowing this plan will not make any payment eligible for the Public Service Loan Forgiveness program. 
4. Not explaining the information unless asked directly leaves the consumer to " have to '' be able to ask the right questions - which we obviously do n't know, in order to receive assistance - this is misleading and deceptive. 
5. I learned today that a 2.5 % reduction in interest rate is also available to me by paying via direct debit ( my payments are ACH 'd every month via WebPay at XXXX XXXX XXXX XXXX ). This was neither offered nor advised upon several of my phone calls and faxed correspondence with FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Payday loan () with Big Picture Loans, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a XXXX XXXX dollar payday loan with a finance charge of XXXX. in 8 weeks I paid them back XXXX. They deducted XXXX biweekly. I thought I was done when I received a message that there was another scheduled payment for XX/XX/XXXX, that 's when I found out I was being charged 489.872 % rate with expected payments thru XX/XX/XXXX. I 'm in the process of closing my checking account out so they can not take any more money. They have all my personal information including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Per new credit law on XXXX XXXX 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.

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 03/24/2017 about Mortgage (FHA mortgage) with VANDYK MORTGAGE CORPORATION (ID).
Issue: Credit decision / Underwriting

Complaint: I went through Van Dyke Mortgage and worked with an officer named XXXX. He tried to approve me for a mortgage loan, but could n't because I needed to pay off a few things first. I paid off those things and he then did a rapid re-score approving me for XXXX with the USDA loan. There were little to no options in that price range for a decent home. I then went through XXXX and worked with an officer named XXXX. She was able to get me down payment assistance and XXXX in a mortgage loan with the FHA loan. XXXX called me shortly after I started working with her and was very upset. He then emailed me an invoice for the rapid re-score. The bill was XXXX. I am very upset because he never disclosed that costing me and after speaking with XXXX, I found out it was n't legal for him to do that. She then gave me the link to this site so I could file a complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I HAD A FRAUD ALERT PLACED ON MY CREDIT REPORT. I HAVE RECENTLY TRIED TO HAVE THE ALERT REMOVED, BY CONTACTING THE AGENCY, HOWEVER WAS NOT ABLE TO SPEAK TO ANYONE REGARDING THE REMOVAL OF THIS ALERT

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report a tradeline for the collection agency, XXXX XXXX in spite of the fact that the account can not be verified. I contacted XXXX XXXX directly and they informed me that they did not have any accounts associated with my social security number. I subsequently disputed the account with Equifax, XXXX and XXXX. In response to my dispute, XXXX and XXXX removed the account from my report, but Equifax has continued to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with LTD Financial Services, LP (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I  XXXX   XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in th e Commonwealth of M assachusetts. In addition, the account balance in question was a corporate account with   XXXX   XXXX   XXXX   that was settled through one of my corporations back in  XXXX . The account dates all the way back to  XXXX , and the matter does not apply to me personally. This organization known  as LTD Financial Services, L. P. I re alize that this company  may  be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with   XXXX   XXXX   XXXX   back in  XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed.  LTD Financial Services L. P.  acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not onl y LTD Financial Services, L.P. , but by   XXXX   XXXX   XXXX   as well. This account information and any reference to  XXXX   XXXX  has no personal connection and needs to be purged permanently.  LTD Financial Services L. P. i s in strict violation of my rights under the Fair Debt Collection Practices Act and  Commonwealth of M assachusetts  General Law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, TRANSUNION is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my transunion report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXXXX/XX/XXXX, # 2- XXXX  XX/XX/XXXX, # 3-XXXX XXXX XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX   XX/XX/XXXX, # 5- XXXX XXXXXX/XX/XXXX # 6- XXXX XXXX XX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX  XX/XX/XXXX, # 9- XXXX XXXX XX/XX/XXXX # 10-XXXX XXXX XX/XX/XXXX, # 11-XXXX XXXXXX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXXXX/XX/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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Transunion, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 02-08-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On my line of credit account I owed {$160000.00} and It was refinanced with the same bank ( PNC BANK ) and same bank according to a payoff statement they paid off {$160000.00} on XX/XX/XXXX. Based on this old line of credit account should have been closed with XXXX balance instead, I see that PNC Bank still shows {$610.00} outstanding under my account and when I called they said I still owe them interest in the amount of {$240.00}, which I paid right away on XX/XX/XXXX and the balance {$360.00} according to PNC is the charge for closing the line of credit account early ( before 3 years ), which they will waive since I opened up another line of credit account with the same bank and account will be cleared with no dues in 2-3 business day. I checked my account on XX/XX/XXXX and found amount is still outstanding so I called PNC bank on XX/XX/XXXX and again they gave me the same answer saying they will escalate this and will be resolved, I called again on XX/XX/XXXX and I was told that now I owe {$360.00} for account closing and another {$360.00} for diff in payoff amount ( which they done have any explanation on ) so in total according to PNC I owe {$730.00}. 

I have also had issue with the same bank XX/XX/2016 on my line of credit account where they tried to debit ( ACH ) my monthly payment from random account ( I didnt have any PNC account ) and when payment was returned they charged me fees and then reversed but from my next payment they took away the entire amount and applied it to the interest instead of my term which is principal and interest. 




Also, this account also shows that my next payment due is {$910.00}, can you please let me know why since this account is already closed? 




On my new line of credit accouint ending in XXXX - When is my next payment due and what would be the amount? 




I would really appreciate if you can help me by answering above and taking care of this. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Problems caused by my funds being low

Complaint: Bank of America overdraft management is ridiculous, they delay any transfer received from another bank in order to charge any type of fees, obviously this abuse just happens with the pour people

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 monetary relief
Consumer complaint received 10/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Getting the loan

Complaint: XXXX/XXXX/XXXX Loan # XXXX XXXX XXXX : ( approved ) Loan # XXXX XXXX XXXX : ( denied ) To Lending Club lending team : I am filing a written a compliant with Consumer Finance Bureau ( CFPB ) about your deceptive marketing and lending procedures. In the meantime, perhaps you should explain to me as to why the Lending Club awarded a loan to me in XXXX which I have paid off after making ten payments. For past several months you 've aggressively used your marketing approach toward me and defined me as a well qualified borrower and you wanted to do more business with me. Essentially you made me to apply for another loan at this point in time and than I was told by Lending Club that I now do not qualify! 
There are visible discrepancies in your criteria for lending that is disturbing. Whatever, my financial ability and credit score is today it is most definitely higher than when you used it to award me the first loan in XXXX. 
Did you just give a loan to unqualified borrower so, you the Lending Club could make his 6 % fee? Let 's find out? 
Additionally, your deceptive emails say that going through applying for another loan would not affect the borrower 's credit. I sure hope that it did not affect mine! Or that 's another untruth statement from your company that add fuel to the fire. 
As matter of courtesy, I will allow you 2 working days for your compliance people to investigate this issue and respond to me in writing with your reasonings. Also return my personal documents before I contact CFPB. By the way, I am determined to get to the bottom of this matter even if I have to retain a legal council. 

Please do not send me standard artificial apology letter for all the inconvenience that you have caused me. That wo n't work! 

XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Payment check was received and cashed by Nationstar Mortgage but the amount was not credited and posted to my account. This falsified missing payment incurred numerous late, legal and fabricated inspection fees

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is an account on my credit report from XXXX stating that I owe {$890.00}. The address linked to that account is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Ive never lived at this address and currently have an open account with XXXX. This debt collection is inaccurate and I would like for it to be removed from my credit report. The account balance was also transferred to another lender which is illegal under the Fair Credit Reporting 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 explanation