milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: There is a serious communication problem on understanding our request for answers. So in attempt for simple answers this is an easy YES OR NO selection to the following questions : DO YOU -- -- -SPECIALIZED LOAN SERVICING FOR BANK XXXX HAVE THE REAL ORIGINAL LOAN AGREEMENT ( NO COPY )? YES OR NO? IS THERE A LOCATION TO WHERE WE CAN GO TO SEE THE ORIGINAL LOAN AGREEMENT IN PERSON? YES OR NO? This is very simple to answer can anyone at Specialize Loan Servicing understand these requests? YES OR NO?

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 07/13/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MN).
Issue: Fraud or scam

Complaint: Note : This is a Virtual Currency complaint. 
Today I received an email notice from PayPal about an update to their User Agreement. I do not have an issue with the content of the notice, but as you can see from the attached screenshot, the color of the text is a light gray which makes it difficult to read. This can ONLY be done with the intent to discourage people from reading the document, which may constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified Consultants, whom I 've never done business with, put a false negative account on my credit report. I called and spoke to a representative of DC who could n't provide any pertinent details to warrant their actions but still insisted that I owe them $ and threatened to ruin my credit if I did n't pay them immediately. I asked for a copy of any contract that they had on file with my signature and details of their claim. They said that they did n't need to provide any of that. I proceeded with the guidelines of the FCRA and forced the credit bureaus to remove this account when DC could n't produce the legal documents required. 
One month later, DC reapplied this account to my credit report, still without the required documents. 
The dispute process has started all over again, meanwhile this derogatory account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX XXXX has taken an excessive amount of time to process a loan request for her client, which in turn is holding up XXXX closings contingent on closing this loan, which I am the seller. She has assured everyone involved that this loan is moving as fast as possible yet we seem to be getting no where. Every loan down the line is approved and waiting on XXXX XXXX to do her job in a timely manner. She has given XXXX possible loan closing dates with none going through. Now we are in the XXXX season and everyone expected to be moving into homes before XXXX which does not appear is going to happen. She does not return phone calls, text or messages. She sends one reply after hours so no one can contact her. Her client is upset, I am hot. Does this woman realize that she is affecting numerous loans and lives that are all contingent on her doing her job. We are losing locked in interest rates, past contract dates etc., and she says we should be able to get them extended because she extended her clients. It should not have to come to that and and it would n't if she would have been on the ball from the beginning. If she has to many responsibilities maybe she should be relieved of some so that the loan can be processed in an efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Transunion to express concern about a judgment that has been placed on my credit report ( XXXX ) According to the XXXX XXXX Court, the judgment is from XXXX and the plaintiff is XXXX XXXX. I explained to the representative that they are reporting the wrong persons information and they told me they cant remove it and that it is up to XXXX to remove the error. I further explained that they have the wrong persons information attached to my report and they did not seem concerned about the fact that a judgement has been placed on my credit file in error, which has caused major damage to my credit score. I need for the erroneous information to be removed from my credit report immediately.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the XXXX report and received it, I clicked on the tab to move on to the next report ( the TransUnion report ).  The next screen gave me the option to exit the site or cancel. It did not take me on to the TransUnion report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.

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 03/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1.XXXX reported that my bill was paid as a charge -off, fixed rate. The date stated opened on XX/XX/XXXX ; date of last payment as XX/XX/XXXX. To the contrary, I paid the entire bill amount I owed, so IT WAS NOT A CHARGE-OFF. 
2.XXXX stated XXXX XXXX XXXX XXXX was owed {$160.00} on XX/XX/XXXX. The status showed D-Unpaid. I paid the bill in full for medical/health care. 3.XXXX XXXX XXXX was paid {$980.00}. Date assigned XX/XX/XXXX ; status D-Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Non-federal student loan) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: National Credit Systems continues to report an account as in collections after it has been paid in full. While on the phone they stated with upon payment they would delete the account which they lied about. It 's still being reported as an account in collections which is negatively affecting my credit score

Company public response: Company disputes the facts presented in the complaint
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 EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an Equifax hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that quarter. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: We've had this credit card since XX/XX/XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XX/XX/XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XX/XX/XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.

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 09-02-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (IA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Previously submitted a complaint. Company 's response was unacceptable. Originally tried to pay off the loan in XX/XX/XXXX using the bank account I have used to make monthly payments for XXXX years. XXXX weeks later, I noticed Chase never processed the payment. I contacted them and Chase indicated no concerns. XXXX days later they reinstated the loan. I immediately called them and they submitted the payment. Again, no payment was deducted and they reinstated the loan. 

After filing an initial complaint with the CFPB, Chase wrote a response blaming me for providing them with a savings account number. They claim they can not process payments over the phone with a savings account. At no time did any Chase representative tell me this when I made multiple attempts to payoff the loan. The letter notes I could make suc a payment online, but my account had been locked by Chase. I have no ability to pay! 

I contacted Chase 's executive office on XX/XX/XXXX. They placed me on hold several times, and untimely routed me back to basic customer service ( the same customer service unable to process my payoff earlier ). 


The account I provided them is my only bank account - it has a checking account attached to it. Chase has withdrawn every monthly payment previously from this checking account - both auto and crefit card. 

They have provided me no way to payoff the loan. They continue to blame me for giving them a savings account number. Finally, they have reported me as missing a payment, which negatively affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: Transunion - I have, for several days, attempted to establish a credit freeze on my credit reporting. I have attempted to do this 3 ways - through their website, their phone automated system, and through their customer service operator. The website is presently unavailable, the automated system directs me to the customer service operator, which always has a busy signal. Transunion does not appear to be able to respond to the need for credit freezes after the XXXX leak.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
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: The following inquiries on my report were not authorized by me.        XXXX  on   XXXX   XXXX   XXXX     XXXX   on   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   on   XXXX   XXXX   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 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I mutually terminated my cable and internet contract with XXXX because of a job move from XXXX to XXXX XXXX XXXX XXXX where they have no coverage. Consequently, XXXX sent me a prepaid XXXX mailing box for me to return their equipment 's with instructions to drop it off at any XXXX store. Which I did and subsequently received a credit from them. However, I recently found out from my bank that there is a collection notice on my credit report from XXXX for un- returned equipment and as a result my mortgage application was turned down. After several phone calls to XXXX XXXX of their staff was able to locate the returned equipment but unfortunately for me the damage has already been done to my credit report just because XXXX failed to do their home work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the balance because it should have been reported lower than they were reporting on equifax and they removed the entire account dropping my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XX/XX/2002 for XXXX and after 15 years XXXX different mortage companies my payoff is even greater now at XXXX than it was 15 years ago. The first company was XXXX to XXXX and now Nationstar Mortage. I feel as if their has been so mortage fraud between the life of my loan with the multiple transfer

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian, I enclosed XXXX different reports from them, same creditorXXXX- XXXX XXXX account to be removed XXXX XXXX XXXX XXXX XXXX account, XXXX reports, XXXX completely different storiesI thought this creditor would be gone, so glad I checked the report. The American public has no trust in these bureaus to do the right thing when you are not watching them. I did and look what happened, they keep bogus reporting on to sell profiles to make money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. XXXX and Experian are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

XXXX XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) Experian XXXX XXXX / XXXX Number: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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " XXXX XXXX, 2017 Equifax Inc. XXXX XXXX : XXXX XXXX today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers .... The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. '' ( https : //www.equifaxsecurity2017.com/ ) I was informed that my account was impacted by this incident via Equifax themselves ( via this link ) : https : //www.equifaxsecurity2017.com/potential-impact/

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Equifax XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Equifax is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Equifax along with a final certified receipt date XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX 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 03/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My consolidation was complete on XXXX/XXXX/17 with Fedloan Servicing. Since then my third party representative has communicated with Fedloan Servicing and they have repeatedly told her that my application is still in process. According to the representative my account was place on an arbitrary hold pending processing. It has been over three months since I have been able to pay back my loans. Every time I call they say it should process within the next week and yet, here we are and it still has not processed. I called in on Wednesday and spoke to one of the women in the escalation department and she illustrated that it should finalize before the weekend, today I called and it still has not finalized and another representative told me it should take another week. I do n't have the patience to keep waiting on something that was supposed to process months ago. This is unfair to me as in the meantime my loans accumulate interest. This needed to be resolved months ago- I should n't keep being penalized for their " system error ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (GA).
Issue: Deposits and withdrawals

Complaint: My paypal account has been frozen with money in my account. I have been accused of money laundering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2016 about Debt collection (Medical) with Quad Corporation, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX at quad Corp. deck collection agency in XXXX Iowa has repeatedly called myself and my husband trying to collect all debts from old hospital bills that have been paid. He usually waits between six and nine months and tries it again. He is been repeatedly told through writing and verbally not to contact my husband at work or on his phone, that he may contact me anytime on my phone. He repeatedly ignores these requests and does as he pleases

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation