milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband and I file a Bankrupt in 2008 it has been satisfy and it is over 8years old. XXXX and XXXX XXXX has Deleted it from my report, but Equifax will not and have no answer why

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with DISCOVER BANK (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a United States  XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX   XXXX . To cover the cost of tuition acquired federal and private student loans. Shortly after acquiring my loans,  Discover increased my monthly payment to {$650.00}. I call Discover  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed . I called Discover a gain to explain my situation and I also explained that I had an arrangement with  XXXX  to cap my monthly loan payments at {$450.0 0}. Discover woul d not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my other debts  (  credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I could to keep my loans from going into collections. As I write this letter I still owe over  $     40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my de bts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are  one of t he reasons for my  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and 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 explanation
Consumer complaint received 07-07-2016 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I defaulted on a Federal Student loan. The XXXX XXXX XXXX XXXX has sold the loan to National Recoveries. The loan principal is {$65000.00} an the interest is {$5200.00} and Fees are $ {$17000.00} all of which total {$88000.00} plus everytime I try to talk to the collection agency the amount increases. I am on XXXX from work since the beginning of the year and let the organization know this. Everytime I try to negotiate and speak to someone, I 'm informed that no one is available to help me at the time of my call. I feel like I am being taken for a " ride ''. I have been threatened with Wage Garnishment of 15 % by the end of next week. I am not disputing that I owe my defaulted loans, I dont want to be a consumer that is taken advantage of. I have been investigating the company an I see that the XXXX XXXX XXXX XXXX has dis-continued their contract with National Recoveries. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: TODAY I ATTEMPTED TO OBTAIN MY FREE ANNUAL CREDIT REPORT WITH EXPERIAN BEING I ENCOUNTERED A PROBLEM AND I WANTED TO MAKE THAT THERE WAS NO FRAUD REPORTED. UNFORTUNATELY EXPERIAN REFUSED TO PROVIDE ME A COPY OF MY FREE REPORT AND THEY WANTED ME TO RECEIVE MY REPORT NUMBER BY MAIL OF WHICH I DO NOT KNOW WHAT THIS MEANS.     UNFORTUNATELY I CAN NOT CALL THEM AS THEY ARE CLOSED AND I CAN NOT CALL THEM IN THE DAY TIME AS I WORK AND CAN NOT GET ON THE PHONE.     I WANT EXPERIAN TO PROVIDE MY FREE ANNUAL CREDIT REPORT SO THAT I CAN MAKE SURE THERE IS NO FRAUD ON MY 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 non-monetary relief
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ZIONS BANCORPORATION (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I closed my account at Nevada State Bank in XXXX XXXX because I moved out of state. For some reason my bill pay was active and a payment was made from my bill pay in XXXX XXXX to XXXX XXXX for {$120.00} in which I no longer have their service. XXXX, XXXX core processor sent the payment to XXXX XXXX with no funds in the account because it was closed. XXXX has sent me XXXX letters in which I called them and explained the account was closed and they should not have issued the payment and they should get the funds back as I did not request the payment to be made. I received another letter XXXX/XXXX/XXXX from XXXX threatening to send me to collections if I do n't pay the debit by XXXX/XXXX/XXXX. XXXX should not have issued a payment with no funds in account they should have stopped it and I do not feel I should pay. If I have to assist with the return of the funds my time is valuable and they made the mistake. They said their system is set up to pay items even though no funds are in an account. They need a new system and that is their risk!

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 01/23/2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This dispute involves American Express and their collection subsidiary XXXX XXXX XXXX XXXX. I entered into a payment plan with XXXX XXXX XXXX XXXX to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between AmEx and this collection service and no one can help me.

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 Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I should not have to pay money to freeze my credit due to XXXX 's egregious error. Because of XXXX 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.

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 04-11-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and XXXX, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when PNC Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and XXXX indicated that PNC made this report but PNC denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Settlement process and costs

Complaint: Payoff interest over charge on my Home loan payoff

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I applied for forbearance because I do not have options for deferment

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with Critical Resolution Mediation LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have received numerous and aggressive messages on my voicemail for a XXXX XXXX XXXX, which I have no clue who that is. The same person calls and identifies himself as XXXX XXXX, leaves his phone number XXXX ( XXXX ) XXXX, his ext XXXX, though when you dial the number it goes directly to him, but he leaves messages saying that XXXX needs to give him a called at the Law Firm of Critical Resolution. He indicated that she wrote a bounce check which carries jail time and the amount that she wrote is a felony charge. He said this was turned over to him by a XXXX XXXX. I initially ignored it, thought it was an error, but he continuously called. Well, he called so aggressively and nasty and repetitive messages left, I called and left a message informing him, he was leaving someone else 's personal information on my voicemail continuously and the last name he gave was mine but I am clueless as to the party he is speaking of. Well, he did not return the call ; however the nasty, aggressive, unprofessional voicemails continued. I contacted him once again, today, XX/XX/XXXX and finally reached him. I informed him that he was asking for a XXXX XXXX XXXX, he yelled at me and said I did not call you. I said, yes, you did, you constantly left messages for this individual and I have no clue who it is. He harshly said, in a yelling voice, well then, did I call this number you are calling from, I said yes and repeated the name that he asked for, he yelled at me and said I asked for XXXX XXXX, I said, you did not, you said this matter was submitted to you by XXXX XXXX. I said, I have your numerous messages on my voicemail, he rudely yelled again and said he did n't ask for XXXX and that I did not know what I was talking about and slammed the phone down in my ear. 

I got online and looked up this company to see if I could get a different number so that I can speak to a supervisor to inform them of the way he conducted himself. I located this number and the same person answered the phone, saying XXXX XXXX XXXX. I do n't know if this is a one man operation but it was outrageous in which he conducted himself. I deleted the messages but decided to keep one to support what I am stating to you. If he calls my home again, the next step will be a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Debt collection (Non-federal student loan) with Allied International Credit Corp., (US) (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I reached an agreement with Allied International Credit to pay on a XXXX student loan. The agreed upon amount was {$300.00} per month and began in XX/XX/XXXX. I set up this amount to pay to AIC via the " bill pay '' service offered by my bank. This amount was paid every month. 

I contacted AIC in XXXX to request an accounting of payments and amount remaining on the account. AIC told me that XXXX had " recalled '' the account in early XX/XX/XXXX. Neither AIC nor XXXX informed me that the account had been " recalled '' and the AIC CSR said neither was required to do so. I contacted XXXX who verified that it had recalled the account in early XXXX. However, since I was unaware that the account had been recalled, the automatic bill payment continued on XX/XX/XXXX, and XX/XX/XXXX. I have been attempting to get AIC to return to me the {$600.00} overpayment. AIC claims their accounts do n't show any payment, which I believe to be a lie. I provided documentation to AIC proving that XXXX {$300.00} bill payments were made to AIC after XXXX recalled my account and now AIC and its CSRs wo n't answer or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I 've recently uploaded my bicycle up for sale on XXXX. XXXX who was very interested in purchasing the item have sent me the cheque that was more than the value of the item, and have asked me to send the remainder to XXXX who XXXX claimed was his delivery guy. I deposited the cheque and waited 4 days for the cheque to clear. Once the cheque was cleared and became available in my account, I 've proceeded to wire-transferring the remainder of the amount to XXXX. The day after i 've wire transferred the money, the initial cheque that was cleared was now returned and I had deficit balance of - {$2000.00} in my checking account. I called Chase ( my bank ) to ask about what happend, and they 've explained that the cheque was cleared early for my convenience, which i never asked for, and then was later returned since cheque was not valid. On top of this I was charged for the returned cheque, which was cleared by the bank without checking its validity. This is unacceptable that such huge financial organization would defer their responsibility on customer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a HAMP modification from Specialized Loan Service LLC ( SLS ) with the help of XXXX ( XXXX ) in XXXX. I was then told 5 weeks later that they would n't accept XXXX packet, so, I filled theirs out and updated all the docs requested of me.By the end of XXXX, I was told all of the docs had not been received and I would have to update mine and my daughter 's Social Security benefit letters while I was at XXXX. I left and went to the S.S. office and got both of the docs and brought them back to XXXX XXXX faxed them over to them immediately and brought my bank Statements up to date. When calling SLS in XXXX, I was told by XXXX, my counselor at SLS, I would n't be eligible for any government programs because they were missing my daughter 's S.S. benefit letter. She said even if I faxed them that morning at XXXX XX/XX/XXXX, it would be too late because it takes 24-48 hours to get into their system. She was very rude to me. I faxed them anyway and called them back and spoke to XXXX she told me that as long as I had the receipt dated before XX/XX/XXXX that it was acceptable but that I was also missing an update on my bank statement. I asked " Why did n't XXXX tell me that when I spoke to her earlier? '' She had no idea and she said she should have. I read that on XX/XX/XXXX there was a class action suit filed against SLS for the same reasons I 'm telling you about! They run people around for documents 2 and 3 times saying that they never got them. And They are not reviewing my application in a timely manner. I was also told by XXXX that the HAMP is over. I heard on the news that it has been extended. They have even called my insurance company and told them that I was in foreclosure. I have n't received any notice of that.

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 11-04-2017 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: I have called on multiple occasions advising that the inquiries were fraudulent and I was directed by the companies to contact the credit reporting agency since I was affected by the past breach with Target in XXXX and the past Equifax breach when i put my information. 

The unauthorized inquiries are : XXXX XXXX Date XXXX/XXXX/XXXX ( This is unauthorized because I already had an auto loan with them no need to run my information XXXX XXXX Card Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Date XXXX/XXXX/XXXX Mariner Finance Date XXXX/XXXX/XXXX XXXX Main Date XXXX XXXX XXXX Main Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Department of Education XXXX XXXX/XXXX/XXXX XXXX I graduated in last XXXX XXXX and consolidated my loans they did not run my credit so i dont know what this is )

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: My Bank of America credit card Account was charged off in XXXX of 2014 after being 60 days late. I recieved a bill from the bank in XX/XX/XXXX stating I was past due but had no warning of the charge off taking place XX/XX/XXXX. My concern is that this charge off took place after only 60 days of delinquency. I attempted to contact Bank. Of America and ask why I was charged off after 2 months and was told. That 's what we do with partially secured accounts. Aside from this charge off status, my payment history and late payments do not match up with XXXX, XXXX, and XXXX. This inaccurate reporting led me to dispute with The XXXX CRAs last XX/XX/XXXX as of XX/XX/XXXX all came back as accurate and verified from Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My name My name is XXXX XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with XXXX in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that Midland Funding LLC ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief