milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is duplicate reporting on my credit report for a home equity loan from XXXX XXXX and XXXX XXXX XXXX. The original loan was with XXXX XXXX who was bought out by XXXX XXXX. So the information is repeated twice which effects my credit score. The loan was eventually paid off in full ( {$180000.00} ) five months late. There is no balance. XXXX has XXXX XXXX reported correctly. However, XXXX Bank is incorrect and should be removed. Experian is also duplicated. XXXX should be removed and corrected. XXXX XXXX should show a XXXX balance and reflect paid in full. 
XXXX also reported XXXX XXXX and XXXX XXXX but the information is correct, XXXX should be removed. I hope that was not to confusing. Please see attached. I have additional paperwork if required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX 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 explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Mortgage Servicing is attempting to illegally foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My bank account was levied without notice or legal service. The bank representative gave me the phone number from the levy documents, which led to the XXXX XXXX Sheriff Dept. When I contacted them, they gave me the court case number for a legal action of which I was completely unaware. I immediately pulled reports from all XXXX reporting agencies, and not one report listed a delinquent debt. The court clerk did give me the name of Law Offices of Patenaude and Felix, a firm whose name appears in countless internet searches as predatory and abusive debt collectors. Therefore, this levy is an illegal collection attempt and an probable example of zombie debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans that are being serviced by AES. Due to the ridiculous 12 month limit for forbearance, I no longer have any forbearance as that was used when I went on maternity leave with each of my XXXX children. I have been unemployed for over a year and have done my best to keep up with the payments. I am a point where I can only pay for XXXX of the loans. I thought I was making the payment for XXXX loan, but as it turns out, AES was applying the payment I was submitting to both of the loans. Obviously, the amount was not enough to cover both loans. All this time I thought I was keeping up with at least XXXX loan, but just found out that my payment was being dispersed to both loans. Now I am delinquent on both loans. The loan I was trying to keep up with has a co-signer that I did not want to ruin their credit due my unemployment. I called AES and explained my situation but they refused to adjust the payments to the XXXX loan I was trying to keep current. By looking at the payments I have made, it is obviously to anyone looking at the amounts due on each of the loan that the payment amount matches XXXX of the loans ... .the XXXX I intended to pay. As a result of this obvious mistake I now have XXXX delinquent loans instead of XXXX AES refused to do anything to remedy this situation. 
This is the reason student hate private lenders. They refuse to work with you even when it 's obvious that a mistake was made. Something needs to be done about them because this type of situation is ridiculous! For those of you who are dealing with AES ... be sure to specify your payments otherwise they will distribute your payment in whatever way they want, not the way you want it. Apparently you can not make any mistakes when it comes to private lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Equifax is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein theXX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXXpayment is reported as NOT past due ). Equifax is in violation of state and federal law in doing so. I demand that Equifax delete the XX/XX/XXXX payment regarding XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX ) 2 times is inconsistently is adversely impacting my credit score.
Equifax has also leaked information concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX ) in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Student loan (Non-federal student loan) with GREAT LAKES (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After Graduating from XXXX University on XX/XX/XXXX, I received a phone call in early XX/XX/XXXX from Great Lakes Financial urgently urging me to transfer all of my Federal Loans over to them. Not quite understanding the need, In trust I follower their recommendation. In the XXXX years that I have been paying on these XXXX loans, I have only paid {$2000.00} in Principal. Starting balance was {$53000.00} to date balance is {$51000.00}. My complaint is that I feel as though I was taken advantage of and see no end to the repayment of these loans. Below are current and previous loan information from my Great Lakes account web site. Please advise how I can improve my situation. 


Consolidation Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX Parent PLUS Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : 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 11-06-2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I first sent a certified letter to Aafes on XXXX XXXX, XXXX and I received no response. The second letter was sent on XXXX XXXX, XXXX which instructed me to contact XXXX because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted XXXX in XXXX XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you.

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 11/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Billing disputes

Complaint: Follow up to Bank of America case of XXXX case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have numerous times tried to access my Transunion and  XXXX  reports to dispute incorrect information such as names and addresses I have never used, and fail to even be able to process because I can not get past questions, which I answer correctly. I have attempted to fix this many times and for years I 've always been denied access to my own report or online dispute options. I am the person who files they hold yet I 'm denied access.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: On XXXX XXXX, 2017, I submitted a dispute to Transunion for a collection account from " XXXX XXXX. '' The amount was for {$3300.00}. I also submitted a complaint about XXXX XXXX to the CFPB around this same time.
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The CFPB was successful in getting the agency to remove the account from my credit file. However, the results listed in my disputes section says : " Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity. '' Obviously the account was NOT accurate and has since been removed from my report. I 'm not sure why the comments would still say the account was accurate if it was in fact removed.
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It is my understanding that comments on accounts do not affect credit scores, however, I do not want lenders / creditors that pull my report to think I am in the habit of trying to weasel my way out of paying debts I owe.
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This debt was never owed and the collection agency and original creditor know as much, hence its prompt removal from my report after my initial CFPB complaint.

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 01-10-2017 about Mortgage (Conventional fixed mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (PA).
Issue: Application, originator, mortgage broker

Complaint: Online Third Federal Savings & Loan qualified me to submit a pre-approved mortgage loan with my low credit score under XXXX. I completed to online application and was contacted by their loan officer on XX/XX/XXXX for me to submit via fax a benefit of income verification letter from social security XXXX. On the same day I received in the mail a Statement of Credit Denial, Termination, of Change letter because my credit does not meet Product Guidelines.

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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian has a dismissed bankruptcy on my credit report and I would like to have that information validate, along with providing me proof that 's my debt. And if that is n't possible, have that and ALL other accounts attached to the bankruptcy remove from my credit report.

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 04/15/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Have been working with you and Equifax many months. Several items have finally been removed. I have requested several times a corrected, updated copy of my credit report and score but still have not received it. 

SEND MY CORRECTED/UPDATED COPY OF CREDIT REPORT WITH SCORE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: This is a paypal line of credit that i was not aware of until today, XX/XX/XXXX. Apparently the account was opened in XX/XX/XXXX. When I opened my paypal app on my phone, it said I had a past due balance. I freaked out and immediately made a payment so that my credit was not impacted and then called Paypal to research. I was told by an agent and a supervisor that i opened the account and was accruing interest on charges made. I disputed and said this screams unfair/deceptive practices. All charges should have been posted to my XXXX and not a line of credit that I did n't apply for. Now what really upsets me is that I told the agent and supervisor that there was no way that I 'm the only person in this situation and they said I was and that i was unique. We argued for another 30 minutes that i 'll never get back and then she opened a fraud case. After I got off the phone, I just felt that I had to XXXX Paypal unfair deceptive practices and of course there is already a consent order. I then called back and spoke to multiple agents asking for the department handing the class for the CFPB order and none of the agents were even aware of the order or they are lying. Horrible customer experience and this means other customers, who are not aware of CFPB, are not getting helped. 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) My PAYPAL account info is under XXXXXXXXXXXX and phone # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICA'S CAR-MART, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After numerous efforts to resolve this I am hoping you can help. 

XXXX XXXX, on an account I paid in full : Account number XXXX Opened XX/XX/12 For some reason is reporting in violation of the FCRA that I was past due 30 days, this is simply inaccurate to my consumer report. 

I did not realize but I am being denied favorable credit terms and this inaccurate reporting is causing it. I have retained XXXX XXXX XXXX  on an unrelated manner, but I figured surly on a paid account the creditor would correct their inaccurate records without legal action. 

Thank You!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern this is my 4th complaint against Nationstar Mortgage. This has been a continuing issue with Nationstar not completing the request. During the last statement I needed resolution for Nationstar to reimburse funds to me after the representative applied funds to the wrong banking information which cause an multi over draft issue. It cause the account to be revolving for the entire month of XXXX. Requested forms was sent and still I have not receive reimbursement. In Addition I requested an payment history from XXXX to the present XXXX XXXX. During the transfer from XXXX XXXX XXXX to Nationstar we were in a modification. I am requested the entire modification package and all forms.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A representative a XXXX threatened over the phone to take my income taxes for a credit card debt I had obtained in XXXX or XXXX. They also have someone calling my job and calling my HR director " a rude woman '' and asking if I work at my place of employment because he is calling with a " courtesy call ''. He is actually a process server. I do not want debt calls at my job. I was not working at this job when I obtained the debt 8 or 9 years ago.

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 05-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I bought a watch with a chase card that.stated it was waterproof to XXXX atmospheres ( XXXX feet ) for my son. He went in the water in a pool and clearly the watch got water in it. I took photographs of the watch and sent them to the manufacturer who happened to be in XXXX around the time there was turmoil about them succeeding from the XXXX XXXX. They said to send it back and I was already to do that though I was nervous that the watch would not get there so I called chase to ask them what to do ... I was advised to start a dispute process and that I did not have to pay to return the merchandise and that the merchant should send a return shipping label. So I communicated that back to the merchant.. They refused to send a shipping label and threatened if I sent the watch back they might find that the watch was not faulty ... I tried to upload my documents to the website several times each time with a response that chase had received my communication and would let me know with in 24 hours WHICH THEY NEVER DID ... I had to redispute the charge several times, Chase never gave me any chance to respond to the merchant. And though all calls are monitored miraculously they were unable to listen to the call where the advisor at chase advised me not to return the watch .... They sent me responses from the merchant in XXXX that they had translated but never the translation.. They would say they would investigate and get back to me and then leave a note that they would call me and not call me back, put the charge back on the account without any notification that I would only find out after I called them. MY ADVISE DO NOT USE CHASE TO BUY ANYTHING YOU THINK YOU MIGHT EVER NEED TO DISPUTE THEY ARE VERY DISHONEST. I desire a government investigation into Chase Dispute practices and procedures, an apology from Chase, that they listen to the call that clearly will prove that their representative told me not to return the watch and removal of the {$310.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with DISCOVER BANK (MD).
Issue: Advertising and marketing

Complaint: Discover advertised a free {$100.00} XXXX gift card, if you apply for Discover 's " It '' card and make {$500.00} in purchases in the first 3 months. I fulfilled these conditions as of XX/XX/XXXX, but never received the promised {$100.00} XXXX gift card. I made follow-up inquiries to Discover officials XXXX XXXX, XXXX XXXX & XXXX XXXX, which were ignored. On XXXX XXXX, I called XXXX XXXX office. They referred me to XXXX XXXX in the Executive Office. I had to follow up XXXX with XXXX to get a response. On XXXX XXXX, XXXX said I had not applied for the {$100.00} XXXX gift card, but offered me a {$50.00} credit on my credit card account " as a courtesy ''. On XXXX XXXX, I wrote to XXXX & documented that I had applied for the " It '' card & the XXXX gift card. Discover did not respond for a month. I had to follow up XXXX times by phone & email on XXXX XXXX & XXXX. On XXXX XXXX, XXXX offered me a XXXX {$50.00} credit on my credit card account. Although Discover finally fulfilled its {$100.00} offer in my case, I had to waste many hours, getting them to honor their promise. The facts that ( a ) I had to make multiple follow-ups and ( b ) they issued statement credits instead of sending the promised {$100.00} XXXX gift card suggest to me that this was not a bona fide offer. XXXX web site contains numerous complaints from others who never received the gift card. I believe this deceptive offer violates the " Corrective Actions '' in FDIC 's & CFPB 's Consent Order with Discover on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Student loan (Non-federal student loan) with Schachter Portnoy, L.L.C. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX is harassing me for payment of my son 's student loan. First, they went through XXXX, now a law firm in New Jersey, Schachter Portnoy, LLC. My son has been paying this loan through XXXX for many years. They were accepting his payment up until XXXX, 2015 when they returned it to him. His address is on file with the loan companies ; however, they are still sending letters to my home. He has n't lived in that house in over 8 years. XXXX is willing to pay the loan, but no one has returned his calls or contacted him. They are just threatening me. I return his letters to them unopened and tell them to mail it to the correct address. His forwarding order stopped from our house years ago. I do not appreciate the threats and these collectors telling me the loan is in default. He has been paying the loan in good faith and all he received from XXXX was the returned check. No other information was provided to him as to who to contact about this loan. When XXXX took over the loan from XXXX and XXXX, the first thing they should have done was contact my son prior to proceeding with the collection process. In turn, this is unfair to my son and myself.

Company response to consumer: Closed with explanation