milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with BYL Collection Services (DE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a collection letter from BYL services on XX/XX/XXXX which is dated XX/XX/XXXX. This company has sent me a letter which I already have accounts open with XXXX XXXX with monthly payments of XXXX XXXX dollars. I have two accounts with them and have been paying them and have not been notified of any delinquency on any of my accounts. The account number referenced from XXXX XXXX has not sent me any statements my file show no statements sent since XX/XX/XXXX. I submit my payment when I receive my statement. I getting a collection letter. Today is XX/XX/XXXX and I usually obtain my statemen because it is due by XX/XX/XXXX and the current bill is due by XX/XX/XXXX no statements have been recived for either bill all month long. Something fraudulent going on???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received an alert via email saying that my credit score decreased due to a hard inquiry on XXXX/XXXX/2016. Upon review of my credit report, there is a hard inquiry from an auto dealership I have no knowledge of, and I never authorized this inquiry. TransUnion went on to say they can not remove this inquiry without a letter from the inquiring company allowing this inquiry to be removed. The auto dealership said they never pulled my credit report, they also informed me they do not use social security numbers to pull inquiries, in most cases. The customer name from the inquiry does not match my name, and her address is now listed on my credit report. I have never held residence at the addresses on XXXX XXXX. Neither companies are helping me resolve this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In Experians reply of XXXX XXXX claimed they mailed my report on that day and would take 10 days, it is now 16 days and 12 business days and still have not received.

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 02/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I filed a complaint with this Agency against Bank of America. See Case No. XXXX. 

Bank of America responded to that Complaint stating it was no longer the service of the Mortgage Loan effective XXXX XXXX, XXXX, further stating those servicing rights had been transferred to XXXX Loan Servicing, ( " XXXX '' ). The problem is Bank of America filed a foreclosure case against me on XXXX XXXX, XXXX, months after it sold its servicing rights to the loan at issue to XXXX. 

I know this because on XXXX XXXX, XXXX, I filed a complaint against XXXX asking if and when it filed the foreclosure case, and three ( 3 ) times XXXX refused to respond to that question. See Case No. XXXX. Further, XXXX sent a representative to my home on XXXX XXXX, XXXX because XXXX had not heard from me. That representative informed me that XXXX had no knowledge of any pending foreclosure matter. XXXX sending a representative to my home was a clear indication in and of itself that XXXX had no knowledge of the foreclosure proceeding. 

XXXX stated it halted the foreclosure process on XXXX XXXX, XXXX. See XXXX, XXXX Response at p. XXXX. However the foreclosure attorney continues to proceed in court even after XXXX halted the process indicating Bank of America is still controlling the process, not XXXX. 

This is outright fraud. I demand an investigation as to why and how Bank of America filed a foreclosure case against me long after it sold its right to do so to another servicer. 
Thank you in advance for your assistance in this matter.

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 04/30/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, XXXX and Experian to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have mailed a detailed letter to Navient underwriters or General Correspondence & Submitting Documents. I have sent it on XXXX XXXX, 2017 via USPS tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve XXXX XXXX, XXXX  and Experian credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately.

If you have any questions, you can contact me directly.

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 11-02-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: we were originally trying to do a modification, then a deed in lue to get hafta relocation, our application was never processed for the hafta relocation nor the modification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX reported items to my credit files as they should be Bill to the state of Florida Medicaid program through the hospitalper the information provided by personal at the time at the hospital.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: My identity was stolen, possibly as a consequence of the Equifax hack. I 've had to contact the three credit reporting agencies to freeze my credit. I reached an automated line at each to get a PIN that allows me to selectively unfreeze and refreeze my credit. 

The lines at the two agencies other than Equifax stated that the PIN would be mailed to me. Unbelievably, the automate line at Equifax issued me a PIN ON THE SPOT. This means the thief can call up and AT HIS OPTION, pretend he is me, get the PIN and freeze or unfreeze my credit as he or she wishes. 

Worse, even if Equifax DOES N'T issue a new PIN once one has already been issued, persons who stole other Equifax " customers ' " identities can simply be first to the gate, get the PIN and actually PREVENT the real person from freezing and unfreezing their credit at Equifax. THIS HAS TO BE STOPPED FOR THE SAKE OF ALL THOSE WHOSE IDENTITIES EQUIFAX HAS ALLOWED TO BE HACKED.

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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX breach put over 140+ Americans at risk. Now, Transunion is not even allowing us to freeze our credit. This is absolutely unethical.

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 10/23/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I GOT A E-MAIL FROM CARRINGTON MORTGAGE SERVICES ON SAT XX/XX/XXXX STATING MY ESCROW ANALYSIS WAS REDY TO VEIW ON THERE WEBSITE AND I LOG AND ITS NO WHERE TO BE FOUND AND THEY NEVER CALLED ME TO LET ME NOW IF MY ESCROW WAS GETTING DOWN BELOW A CERTIAN POINT AND NOW THEY RAISED MY PAYMENTS UP WHEN XXXX HAD MY MORTGAGE THEY CONTACTED ME TO LET ME NOW IF MY ESCROW WAS DOWN BELOW A CERTAIN AMOUNT AND THEN I WOULD SEND YHEM THE DIFFERENCE TO KEEP MY PAYSMENTS DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's website was breached. They provided a way to see if my information was compromised. It turns out that it was, but Equifax provided no follow up details about what to do about this. This is still the case. They have been hacked again after this first incident, and have still done nothing to help the consumers know what exactly happened. All of this is bad business, and they clearly do not care about the consumers who have been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with NRA Group, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. 

I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. 

At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. 

XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. 

XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. 

These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of 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 non-monetary relief
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with ACS Education Services (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been attempting to log into my Conduent account (formerly ACS Education) online to repay the remaining balance on my loan but I have been unable to access my account or get in touch with a rep from Customer Service going on 2 months, and therefore have missed my last 2 loan payments I believe. I have been logging in using the exact same information and have not missed a payment in years, but for the last 2 months I receive the same automated message from the site when I attempt to log in, which is that the action I'm trying to complete is temporarily unavailable. "Temporarily unavailable" yet it has been over 2 months. When trying to contact Conduent customer service, the automated response says there's no account associated with my social security number, and therefore after multiple attempts I eventually get disconnected from the phone after the automated system fails to recognize my social security number. When I emailed customer service, they too said that they have no account associated with my social security number and said "Unfortunately, we are unable to locate an account for you in our records. Please be advised that your loan may have been transferred to be serviced by another loan servicing company." I've read numerous other complaints from people having the exact same issue. I eventually tried resetting my password on their site using the "forgot my password" option. After I received the temporary password I was able to log into the site, but once inside my account all it says is "No data found for specified SSN." So now it appears my account no longer exists, and I'm unable to repay the remaining balance on this loan, and I do not know who to contact to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX my credit bureau was hit XXXX points because of Medical Revenue Services reporting {$XXXX} that I do NOT owe and also reporting an account 2 times for the same amount {$XXXX}. My credit score would be XXXX if not for their deceptive and non consistent reporting. I have disputed the {$XXXX}  numerous times with no help or action taken for the duplicate reporting. I want all records from them deleted from my credit file because they are very inconsistent and inaccurate in there reporting. I 'm sure I 'm not the only one that they 've wrecked opportunities.

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 06-10-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: I applied for a Citi Bank CitiGold checking account which provided for a bonus of XXXX ThankYou Points upon meeting certain criteria. That criteria was met and confirmed by Citi no less than 4 times via secure messages and telephone calls. It took approximately a month and a half of repeated calls and e-mails to get Citi to honor this offer and deposit the XXXX ThankYou Points in my account. When the offer was finally honored, I transferred the points to my ThankYou account tied to my Citi Premier credit card and requested that the checking account be closed due to the poor customer service and needing to waste hours of my time following up with them to get Citi to honor their offer. I was explicitly told during the phone call where the checking account was closed and the points were transferred that I would have 90 days to redeem those points. Approximately 70 days after those points were transferred and the checking account was closed, I noticed the points had been deducted from my ThankYou account balance. When I inquired with Citi as to why, I was told that because I closed the checking account, that Citi was only allowing me 60 days to redeem the points. At no time was this ever communicated to me, and if fact this was in direct contravention to what I was explicitly told by Citi 's own representatives when I transferred the points and closed the checking account. The points have a value of ~ {$500.00} when redeemed for flights - which is what I intended on doing with the points. I have made a request that Citi honor the terms of their representative 's statements to me about expiration date of the points, and Citi has denied the claim. I either want the points reinstated with 30 days to use them, or for Citi to compensate me for the ~ {$500.00} in damages Citi has caused by not honoring the terms of their own agreement.

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 06/20/2015 about Credit card () with U.S. BANCORP (MD).
Issue: Other fee

Complaint: My XXXX XXXX XXXX XXXX XXXX XXXX credit card recently had a large change in terms after having paid the annual fee. After I found out about it, I called in to complain and was told that the card could be closed, but no annual fee would be refunded since it had been more than XXXX days since it was charged, but that as an apology, they would give me XXXX points, which is not even close to the value of the fee. I recently found out that the representative who spoke to me was either misinformed or lying, and that due to the drastic change in benefits, XXXX was indeed issuing refunds of the annual fee. When I called back, I was able to speak to a supervisor, XXXX, who said while he empathized with my situation, he could not do anything more. I summarized the situation for him that now I had to suffer the consequences for a XXXX error ( or a blatant lie ), and he agreed that that was the case and even said a complaint to the CFPB may be necessary as there was truly nothing he could do to close the account and refund the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX, Acct # XXXX amount XXXX XX/XX/2013

Company response to consumer: Closed with explanation