milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have had my XXXX Credit Card for a very long time. I noticed the Card account and all its positive-payment activity was not being reported on my XXXX Credit Bureau accounts. I have been trying for 12+ months trying to get this issue resolved with XXXX and Equifax ( I started with them ). Attached is the latest volley in which Equifax states that the account is not on my Credit Report ( letter XXXX/XXXX/2016 ) and at the same time XXXX indicates that they ARE reporting to the XXXX credit agencies ( letter dated XXXX/XXXX/16 ). The XXXX parties have cost me a significant amount of lost opportunity by not performing the services they claim to provide ( fraud ). I would like this issue rectified ASAP and it 's great the State has this reporting portal. Nice job.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: a few years ago I had went to college and had gotten through with student loans. I had moved a few times as student loans came due and had missed ONE payment. Once I had realized the payments were due I started paying them faithfully every single month after that one was late I have never been late since. I pay one payment a month for my student loans, the one I was late on they reported NINE times and has ruined my credit. Its not fair to report a one time payment nine separate times. I have spoken to both fed loans and the ombudsman group and have gotten no where. I would understand one late payment on my report but not nine. I would recommend them to no one it truly will wreck someone 's life as it has mine. This is holding me back from buying my family a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a tax lien on my credit report with XXXX XXXX XXXX, docket XXXX for a federal tax lien in the amount of {$21000.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to IRS to get this federal tax lien verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I have not received XXXX document that shows this account is owed bearing my name, address, birth date, social security number, or anything with my signature on it. I was even told by the court house that they do not report to the credit bureaus so how can this be reported?

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian, reporting a negative information 's on my credit report # XXXX .This is a medical disputes with XXXX XXXX Hospital , The company that are reporting the information 's is XXXX XXXX XXXX account # XXXX, They are a medical debt collector business. The amount owe {$120.00}, All of this come from a car accident 1year ago My lawyer have filed a law suit against driver insurance policy ( XXXX ) My legal team have added this bill to the lawsuit. This negative information 's should be remove until the case is settle. New law went into effective XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: Equifax did not investigate dispute properly, refused to provide information or delete the unknown medical accounts.

Actions taken:

2017- XXXX  Filed a dispute on unknown medical accounts to Equifax.

2017 XXXX  Found results on their site (never received results over snail mail), basically the results were "We verified that this item belongs to you. If you have additional questions about this item please contact ".

2017 XXXX  Contacted the reporting  with a dispute and request for validation on this unknown medical account as per instructions from Equifax.

Never got any response from the collection agency. I have a proof of delivery of my validation letter to the collection agency.

2017 XXXX  Re-disputed to Equifax with copy of the letter to the .

2017 XXXX  Received the same result from Equifax. Equifax did not investigate properly, did not provide requested information about unknown accounts nor deleted them, did not properly marked accounts as in dispute.

Please note that Equifax is the only credit reporting agency reporting these unknown medical accounts.   XXXX   never have them,  XXXX  deleted after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/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 non-monetary relief
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I.C. Systems continues to call me and send letters requesting a balance for XXXX XXXX XXXX that I do not owe as it was never set up nor installed. I have a CANCELLATION CONFIRMATION NUMBER FROM XXXX XXXX proving I have a XXXX balance and that an account was never set up. The ACCOUNT CANCELLATION NUMBER GIVEN TO ME BY XXXX XXXX IS : XXXX. I have mailed XXXX letters asking them to cease communication and validate the debt and they are unable to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I was first alerted to a credit fraud problem when I was unable to access XXXX of my free annual credit reports. XXXX said I had already received my report, which I had not even attempted this at the time. I then attempted to get my free annual credit report through Trans .... and was unable to answer the identity verification questions. I was ; however able to access the XXXX other credit report which listed numerous upon numerous, mostly medical care bills in default that I have never been notified of existing. I already requested a fraud alert to be placed on my credit accounts ; however am still unable to access them to review of any other fraudulently activity. I have also recently been a victim of identity theft as XXXX of my bank accounts alerted me of fraudulent activity which absolutely proved to be the case. This is not the first time I have been a victim of identity theft and even have identity theft coverage ; however they have not proven to be worth the money spent on them. What exactly are the steps I may take to finally resolve these issues and finally correct my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: PayPal closed my account in XXXX 2017, but releases to release my incorporation 's funds. They are holding ~ {$220000.00} USD of mine for the past 5 months, and they are making us wait another month or so for the release of these funds. I had to get a loan to pay taxes because PayPal would n't release our funds. <P/>I 've tried contacting PayPal about it shortly after, but they said that my company is a 'money service business ' when we just sell gaming products and they say to email XXXX and they only give me automated messages when I inquire about it. Note that I 've used PayPal for a few years and processed over $ XXXX USD with them - this account closure was quite unexpected, and the 6 months funds holding is even more unreasonable. <P/>I 'm hoping this can be solved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Omega RMS, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, and then again on XX/XX/XXXX, a demand for validation was sent the company posted Certified Return Receipt Requested. Other than the Return Receipts there has been no response to date. 

Omega RMS, XXXX XXXX, MO. continues to verify to the XXXX Credit Bureau that the debt is valid. There is no agreement with my signature on this company 's letterhead. 

Additionally, on XX/XX/XXXX, and then again on XX/XX/XXXX, a demand of XXXX to provide a method of verification has been repeatedly ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I had made a payment of almost {$3000.00} in XXXX XXXX to pay me up thru the end of the year. Received a bill in XXXX XXXX. I called Navient and asked why I was receiving a bill when I had paid in XXXX for the rest of the year. The Rep stated that only paid me up thru 6 months. I told her that was incorrect and also pointed out that if it was to cover 6 months, it would have also covered XXXX payment in full. She then stated that we I had a variable rate, so the amount paid in XXXX was not enough to cover. I then stated that I was not aware I had a variable rate loan and asked that a copy of my contract be sent to me. A week later, I received a typed letter stating I had a variable rate and my rates can increase monthly but no more than once a month. Still have not received a co py of my contract. I have also requested the payoff amount in writing and still have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ACS continually misapplies account payments, even after many notifications to such.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: American express calls cell and home phones daily and repeatedly. I have told them multiple times about the hardships we have experienced over the last 2 years. We have been behind for about 6 months. I pay something every month and have arranged automatic payments monthly. The representative said I must pay something every time they call or they will not be able to say anything good about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Advertising and marketing

Complaint: Was attempting to purchase something using my Paypal account, and was somehow signed up for a Paypal credit card. This was not clearly documented that I was signing up for this as it appeared to me at the time that I was just using my Paypal account linked to XXXX of my credit cards. No qualifying information was asked of myself, such as yearly salary, full social security number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a " Home Equity Line Of Credit '' with Bank of America. They sent me a letter stating that it would be closed as of XXXX/XXXX/2016. But that I could apply for a new lie of credit. 
I called said yes and they opened an application under LoanApp # XXXX. I sent in my info as directed, I was assigned to XXXX XXXX XXXX XXXX. 
Bof A came back and told me at first that I had to Globally Li, ft for thirty days, the security freezes I have with the XXXX credit bureaus so that they could do a credit check. After many calls back and forth they stated that I only has to lift the freeze with XXXX. I did a selective lift for them and furnished BofA with a code to use. They came back and said they can only use a global lift. I told them I have been a victim of Identity Theft and would not do a global. They said goodby. They sent me a letter saying that they would not go forward with load app as I refused to give them access to my credit reports. 
I feel that I, and anyone else who has been a victim of identity theft are being discriminated against. Is this against the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: My husband and I sold out home back in  XXXX   XXXX  before selling the home we called the loan servicer several times because we had a loan modification back in  XXXX  and knew there would be more money due so we called the loan servicer to make sure everything would be included in the payoff we asked was there anything else we needed to do before selling the home to the investor the loan servicer said no fast forward  XXXX   XXXX  We now have a debt owed to HUD that will now be sent to the Department of treasury which will grow over {$46000.00} started at {$35000.00} I have spent over a month trying to resolve this and because I signed documents under the impression I would be clear of any debt I have no recourse I called HUD the loan servicer the title company everyone involved and now I will be forced to file bankruptcy I have spent the last 2 years fixing my credit in hopes of buying a new home and it was all for nothing now We did not receive any profits from the sale the buyer had to give us additional funds to close

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (RI).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 4 years I have been trying to get a modification. About 3 years ago the loan was assigned to Caliber Home Loans. XX/XX/XXXX I was a approved for a Trial Period Plan for 3 months, XXXX payment due XX/XX/XXXX in the amount of {$1500.00} ; the last payment under the trial plan was due XXXX XXXX. I continued to make monthly payments as I was waiting for the final paperwork for the modification. XX/XX/XXXX I received a letter stating that I was not eligible for the modification because I did not accept the offer, which is not true as I never received the documents. XX/XX/XXXX, received another letter in which they returned my payment for the month of XXXX. I did call Caliber Home Loans XX/XX/XXXX asking for an explanation and details, and I was told that there was nothing to explain since letters were sent out. In the meantime, I received a foreclosure letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my property is going to be foreclosed XX/XX/XXXX. I am looking for some help, as I do not want to lose my property in which I have owned XX/XX/XXXX. Caliber not once, helped me or has made any effort to take into consideration my hardship. The currently interest rate is 8.250 %, and an adjustable as well. I can not afford to take any chances as the rate can go as high as 14.250 %. Any help I can get would be greatly appreciated. Attached is all the necessary paperwork to support my complaint. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Illinois Department of Employment Security. IDES electronic deposited funds into my U. S. bank checking Account. I was terminated on XX/XX/XXXX by my employer. I filed my u.i. claim on XX/XX/XXXX. I filed as terminated. On XX/XX/XXXX XXXX XXXX of IDES entered a laid off status into my U.I. claim. And locked me out of my u.i. account, regardless of my effort to refile my claim on XX/XX/XXXX as terminated status.This generated a check of {$160.00} electronic deposited in my account on XX/XX/XXXX. This is a scam by IDES. I have to appeal any decision made by IDES if I am not found in favor to receive u.i. benefits. IDES would then want these funds returned. I notified my bank onXX/XX/XXXX to resins the deposit back to IDES. The U.S. bank has 10-90 days to decide.This IDES has placed financial hardship, and undue hardship, up on me by their deliberate actions. This is not a case of a mistake, or poor customer service. This is discrimination and corruption. I am a senior on fed.gov housing. I receive a URP utility reimburstment check of {$77.00} per month to pay utility cost. When no income is being earned. If I have income hud stops the urp monthly payment. If IDES orders me to pay monies back at a later date, that they issued on a laid off status that the state worker made. I would have to pay the funds back if found not eligible for u.i. benefits. And I also stand to loose the {$77.00} URP payment from hud. Because of this Unemployment benefit issued deposit. I am a senior. I filed a complaint with the OIG Il. Office against IDES. I notified DHA-HUD of this scam. And for their office to decide their own conclusion. I notified the bank. I called IDES for over 24 days and was hung up on, and no call returned. And then when my call was returned, IDES Does this. My first call was in the first week of XX/XX/XXXX to Tell IDES my last day worked was XX/XX/XXXX not XX/XX/XXXX as IDES had entered on the claim. This how corrupt this state of Illinois is. This was a attempt to not pay my 2 weeks wages from the employer. I filed a claim on XX/XX/XXXX with the labor board of Illinois for unpaid wages. My check was sent on XX/XX/XXXX later on in the day.. This is how the state workers and the companies and their employees, are speaking to one another in a underground organized crime corrupt network, on what they think they can get away with on workers and the people in the state. Let me make this clear I am going after the state of Illinois and IDES and the banking system the state uses. I do not know the state of Illinois and IDES banking system. I want my bank to show the world that IDES  and the state, with all their different scams in state offices, they can not push U.S. Banking customers around.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.

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 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX/Navient Accepted promissory notes that were fraudulently filled out, one of which had the student name incorrect. They also applied payments in a manner to ensure that loans would enter into default, as well as " finding '' an additional payment in XX/XX/XXXX and back dating it to XX/XX/XXXX without any adjustment towards any interest or payments that the payment would impact regarding current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This information was shared illegally ( third party ) without my informed and expressed consent

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