milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I got a letter in the mail from XXXX XXXX XXXX and XXXX XXXX about the data breach that occurred in XXXX. I tried to log into the site they sent and I could not verify my identity because the questions did not apply to me. I called Equifax and they could not verify my identity either. I contacted consumerfinance.gov and they told me to file a complaint. The questions that are asked to verify my identity do not apply to me. I am worried about my ID being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I recently learned from XXXX that a address located in Michigan was located on my credit report. I 've never been there, lived there or visited there. I do n't have family there that I know of. 

My drivers license have been stolen, my social security card also. The Social Security Admistration sent me a letter in XXXX and told to file a civil action law sue. 

IRS is aware of this fraud with my personal information. I need for First Tennessee Bank to provide me with all of my transactions on the account numbers that I am requesting. 
In the time the bank is allowed to go back from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with GRYPHON CORP. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credigy Receivables, inc and XXXX XXXX esquire have filed a lawsuit against me for debt from 1998. First, the status of limitations has passed, second they filed a lawsuit and advised they served me with an affidavit, but I never received nor did I sign anything stating I received an affidavit. So I was never aware that I needed to appear in court. I have contacted the creditor ( credigy receivables, inc XXXX for copies of all debt and payments and affidavits they claim I 've received but I have still not received anything. They originally filed in XXXX XXXX and then transferred the case to XXXX XXXX ( case # XXXX XXXX, they won a summary judgment and had all my bank accounts frozen. When I first received the letter of the summary judgment I contacted them to find out what this was in reference to and if I could speak to the attorney that submitted lawsuit ( Credigy and attorney XXXX XXXX can be reached at the same number, attorney is never available only collection dept. I did ask the collections person what happens now, all they could tell me was that now I need to wait and see what the courts say, when they had already requested that the court freeze all my bank accounts. I am unable to pay my rent, bills ( ie : credit cards ) or buy food, I have been borrowing money that I 'll probably not be able to pay back if this continues. How can I dispute something if I never knew about it? I filed for emergency motion to open judgment or to unfreeze my account to at least pay my rent and cc bill, the judge denied this and gave Credigy 20 days to respond to my request. 
I have contacted a few attorneys and almost all of them are in complete disbelief that the courts allowed them to do this. Could someone please help as I am starting to incur more debt trying to fight this lawsuit, also credigy receivables keeps increasing the amount owed to them each time XXXX because my bank received a court order to provide credigy with how much was in my account. 
This debt has n't been on my credit report and if they win this judgment this will end up on my credit report thereby ruining my credit even more. I have never received anything from this company, but it appears they purchased a debt that was discharged. Any help would be greatly appreciated! I 'll also try to reach out to some news channels to see if they expose this company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: I have a mortgage loan with Amerisave Mortgage corporation on my house. They collect taxes and home owners insurance money with my payment as escrow. This XXXX 2017 I changed my insurance company and the bill is directly send to mortgage company for payment. They mailed the payment to some wrong address and the insurance company is going to cancel my coverage. I contacted the mortgage company via phone, email and fax and they are not responding to my inquiries so far. I send them the correct information where the payment should be send. But they are not responding to any of my inquiries. 

I want them to contact the insurance company directly and solve this issue before it is too late. Also I want this company to contact their customer once an inquiry such as this made, instead of going through these type complaints. 

All the relevant information on the loan / insurance are in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. Thanks!

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 03/15/2016 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: GC Services called multiple times to my work, discussed some debt that I am not aware of with my company receptionist ; they also contacted HR department in regarding to debt info and claimed that they are calling from the government and will garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with OpenRoad Lending (OH).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX XXXX Open Road Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent a letter by my local bank offering me a loan for my 2016 Kia Soul. I went to my bank got the loan and purchased automobile. I never authorized or called any of the above companies to run credit checks on me. My bank said they do not sell my information. The companies below were not authorized to run credit checks on me. I contacted them and they want me to file identity theft when that is untrue. My credit rating dropped XXXX point after these were preformed. have contacted each company demanding proof with original signatures and contracts, paperwork etc. They said no we will not cooperate I need them to remove all info from all credit reports due to damage to credit rating. Its there fault I want them to fix it or I will seek legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.

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 11-10-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing statement

Complaint: I have been actively trying to rebuild my credit for the past 3 years and now my credit is shot. This is a CitiBank Credit Card via The Home Depot. I was making monthly payments of {$130.00} on a balance of {$10000.00}. On my XXXX/XXXX/2015 XXXX, {$6100.00} interest was suddenly added to my balance for a total of {$16000.00} and a minimum payment of {$700.00}. The added interest charge surge has put this account {$5400.00} over my credit limit and I can not possibly afford the new higher payment. As a result of the high over limit amount and late payment status, my credit score has dropped from XXXX to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I 've had a morgage for about 16 years, never late until recession when I lost my job. I paid two months behind for about a year, then caught it up and have never been late since. I did have to bankrupt in the recession, but I reaffirmed on my mortgage. Mortgage started with Countrywide, then went to Bank of America, then XXXX XXXX, then XXXX, and now XXXX. At some point, was reported by Bank of America that mortgage was included in bankruptcy when it was n't. I submitted documentation at that time showing it was reaffirmed from my lawyer both to Bank of America and credit bureaus. Bank of America discovered they had my social security number wrong by one number, and it was THEIR error, but they said they could not straighten out my credit report, they refused, and then when I disputed with credit bureau, they REMOVED my mortgage account all together and say they can do nothing else. XXXX, who now services my account, assured me they would report, but now Bank of America account is back on there as being included in bankruptcy, then XXXX is listed separately under adverse accounts, says was included in bankruptcy, and that account was CLOSED and included in bankruptcy in XXXX of XXXX. My bankruptcy was in XXXX. I have launched disputes online again, but XXXX credit bureau would n't let me dispute anything about Bank of America again. I do n't have the money for an attorney, and I have suffered all these years when my credit should be much further along in being repaired. I have been turned down and given higher rates due to this. It always says " lack of real estate loan '' and such. I feel like there is nothing I can do now.

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 12/29/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I previously filed a complaint against MyGreatLakes.org, the company that the Federal Dept. of Education assigned to manage my loan.

There is nothing in it for these private companies to assist borrowers with loan forgiveness as they make Monty from the interest collected. The loans are not like any other fair practice loan program terms that a sane, educated consumer would agree. 
My repayment plan amount was to have increased to {$280.00} in XXXX, XXXX. However, XXXX increased my payment to {$300.00}, in XXXX, without consulting me. When I contacted them, I was informed they needed to do that so the loan would be paid off on time. In addition, my payment due date keeps changing without notice, it was and has been the XXXX of the month. 
I also question their algorithm for payment application bc they applied all payments I made between XXXX and XXXX to interest. It isnt the first time. I think there should be an audit of these loan administrators because they are likely the same kind of lenders that are considered predatory for students applying for student loans. 
Each time they arbitrarily change the payment, the due date changes as well. 
It is bad enough that my original loans in the amount of $ XXXX ballooned up to $ 54K in 7 years when I consolidated and then again almost doubled after consolidation despite making payments. My Pell Grants, Perkins And Stafford Loans combined to this total amount of over $ 90K, and MGL considers all of the amount principal. Ridiculous! 
I worked in the XXXX sector for over 6 years and qualify for the Public Service loan forgiveness except the XXXX time had to occur after XXXX. As a single mother I couldnt afford to work in the XXXX  sector after XXXX. 
This company isnt transparent, there is never any end to their shady payment application and total lack of respect for the customer. The government has given them carte blanche to make as much money as they want to collect on student loans. The loan shark program that is the student loan program has a middle man to collect and in my case, its XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL 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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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 have contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Private student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX I applied for a student loan with bank of America through XXXX XXXX. 
over the years I have been making payments of {$130.00} through my bank account. In XXXX the loan was sold to XXXX success. I believe the information is incorrect and would like to receive official documentation of signed loan agreement, statement of how payments were applied towards the principle and the balance and the amount that was sold to XXXX in XXXX. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA 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 10-08-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Violation of my individual ( rights ) due process in banking.

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 05-05-2017 about Debt collection (Medical debt) with Columbia Collection Service, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I found an account on my husbands credit report for {$100.00} for  XXXX   XXXX  from  Columbia Collections  we had received zero paperwork from them. When I contacted them they informed me it was an old medical debt. This amount was never put on my credit report only my husbands. The account was paid in full on  XXXX / XXXX /  XXXX  . This company then on  XXXX / XXXX /  XXXX   filed the account as outstanding on my credit report after it was paid in full. Now they are refusing to provide me with my accounting of this account that was already paid. They said they do not have to provide me with detailed accounting that shows when they report to credit companies. I have issues with a company that is reporting a debt that has been paid in full after the fact to my credit report, this is against the law and the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Between the time of XXXX and XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2016, I received a call from the phone number XXXX. I spoke to a lady there. She did not give a clear description on who she was calling regarding. She told me that my credit card was n't going through, etc. I was transferred to her supervisor. Her supervisor told me that he could not take half of the payment after I offered to pay half. He said I was " calling his bluff. '' He raised his voice and said " XXXX wants this NOW '' and " you can not pay half. '' period. You owe a debt. you pay it. I informed him the line was recorded. He said, " I know the line is recorded. I am not stupid. '' I told him I was going to report him verbally abusing me and harrassing me. He said he didnt care. He was very verbally abusive. He said many more things and was raising his voice at me and yelled at me saying I had to pay the whole amount. I called back in around XXXX XXXX, I spoke to another person who said that the supervisor was lying to me and she could take half of the payment. She gladly took half of the balance that I owed as a payment. The supervisor harassed me and bullied me. He also practiced deceptive collection practices, which is completely illegal. Please take care of this issue. I was on the phone in tears after my phone call with them. I did not get the name of the agency when they called, I 'm sorry, but that is their phone number. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I dispute the validity of this debt.This debt is not valid.I am requesting XXXX to obtain verification of debt. Please also include method of verification. 

( a ) The name of the original creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The Address : ( d ) The telephone number ; and ( e ) The documentation used to verify the debt Address of this Complaint- XXXX , CA.XXXX Loan Number of this Complaint- 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 02-02-2018 about Debt collection (Federal student loan debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.

Company response to consumer: Closed with non-monetary relief