milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to the FCRA derogatory or negative items over 7 years old are to be removed from the credit reports. The listing with XXXX Acct # XXXX with an original credit limit of {$12000.00} & XXXX Acct # XXXX with original credit limit of {$29000.00} should have been removed from my credit report on XXXX of XXXX. I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. 
For the XXXX listing with a credit limit of {$12000.00} according to my Equifax report dated XXXX/XXXX/XXXX this listing shows that the first date of continuous delinquency was XXXX of XXXX. This item should have been removed from my credit report 7 years from that date ; by XXXX XXXX. It 's now been over 8 months and this continues to report on my file despite that it 's been over 7 years. Furthermore, by XXXX reaging this item clearly violated my consumer rights per the FCRA. In my dispute letter I included a print screen showing how they reported the item in XXXX and how they have re-aged it and are inaccurately reporting still. 
For the XXXX listing with a credit limit of {$29000.00} ; according to my XXXX report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Struggling to pay mortgage

Complaint: On XXXX-16 after being presented with a notice of default by OCWEN LOAN SERVICING, LLC I sent a Qualified Written Request for information, including but not limited to the true owner of the mortgage and note. This notice was signed for by OCWEN and completely ignored and now the foreclosure proceedings are in progress. 

Secondly, in a previous foreclosure attempt OCWEN LOAN SERVICING, LLC sent to me a notice indicating that my home was scheduled for a foreclosure sale, while there was no sale authorized or scheduled by the court in SC. After several written requests to verify this with OCWEN, they indicated in a letter that it was factual, my home was scheduled for sale and they would provide further details in a separate letter. This never happened. I sold most of my furniture and was left in a panic, only to find out that the case was dismissed by the SC court for lack of standing by the plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Sometime around XXXX of 2017 Equifax had a data breach and lost 143 million Americans personal data. I am one of them. It looks like the company sold a bunch if it 's stock as a reaction to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a mortgage modification from Wells Fargo Bank since 2014 each time I have been denied. I have had XXXX loan processors and each one has denied me a modification. I have gone through Keep Your Home California and have been approved for programs such as mortgage principal reduction, mortgage reinstatement and Wells Fargo has continually denied Keep Your Home California from helping me. 

I have called Wells Fargo and told them of my difficulty in making my mortgage payments and Wells Fargo tells me that they have done the best for me that can be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a complaint against Experian XXXX Department. I 'm victim of Identity Theft. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days.

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 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Chase automatically signed me up for paperless billing in late summer XX/XX/XXXX. However, the email address they had on file was incorrect, and they never sent me an email to confirm my email address. I had been paying the same minimum amount required for many months. Chase changed this minimum amount, but never notified me. No email ( since they had the wrong address ), no phone call, no text, no physical mail. I then continued to make the minimum payment I had made previously, but Chase started hitting me with late fees, interest, etc, which I was unaware of. I checked my credit score in XX/XX/XXXX and this was the first time I realized Chase had been hitting me with these fees. I tried to work with them, but they refused to take off more then one month of late fees. The worst part of this was that my credit score was severely impacted due to my Chase account being considered " delinquent, '' and my other creditors drastically reduced my credit limit causing my severe financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (WA).
Issue: Managing the loan or lease

Complaint: We leased XXXX from the local dealer for 2 years and returned it several days before the end of the lease in prefect conditions. The local dealer failed to report on time the end of the lease to Nissan Motors Acceptance Corporation and reported it only 3 month later. As a result of that we have been hit with late charges and late payment was also reported to the credit bureaus. We have found out about that when we applied for the mortgage refinancing and our credit was pulled out. We have all the supporting document with us and both dealer and NMAC admit that the situation was created due to their negligence. However it was already two months since we contacted them and our credit score still not fixed, we continue to receive bills for late payments and nothing seems to be done. Every time we contact them during last two months they promise to fix it ASAP but it did not happen yet. We request your help in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (LA).
Issue: Other service issues

Complaint: I transferred money to a programmer about a year ago to design and program games using the XXXX software. The job started out ok, he was making progress and sending me different builds. After a few weeks, he completely stopped communicating with me and I had to start a dispute on paypal. Once the dispute was elevated he finally communicated with me and said he would finish the games in 2 weeks if I cancelled the dispute, so I did. Needless to say, he did not finish the games and would keep telling me they would get done. I made the mistake of believing him because I could not dispute the charge again. It has been months and I have not heard from him. The services paid for were not completed and he has stolen my money. I have supporting documentation and communication proving he did not complete the work and will not respond to any messages.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This company has taken me to court and placed a judgment on my credit.The company name is XXXX ( XXXX ). I did obtain a credit card with this company, and had a debt with them years back. I purchased an additional plan with this card in the event where if I was unable to pay I would be protected. The charge purchased items on this card came to about a little over XXXX. My payments were XXXX dollars a month, and it did n't seem like the payments was going down. There were a period where things got behind. so then I began to use the plan that I purchased where it only benefit was for me to only pay half of XXXX dollars a month. Again no monies toward the principal. Making payments toward nothing seem like a trap you ca n't get out of. The worse feeling you can ever have, so when I stopped making the payments they filed an judgment in the XXXX county courts. I went to court and I agreed to only do XXXX dollars a month to their Attorney. ( XXXX ) that did n't work for me as well as I thought it would, so I loss track and contact to where and who to send payments. That is when they proceeded to garnish my check for a balance over! XXXX. the garnishment took about Three months to complete, And they have collected all of their money. the account is paid in full. It is still on my credit as an open account as well as a judgement. I do not think this company should continue to report this on my credit report after all I had to go through with them taking me to court and garnishing my payroll check for this extremely high rate credit card XXXX. My credit will never be the same for this mistake.

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 10-12-2015 about Debt collection (Medical) with Professional Recovery Associates, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like assistance in making a formal complaint against XXXX XXXX XXXX XXXX and Professional Recovery Associates , Inc. XXXX XXXX XXXX XXXX has exhibited inappropriate and sloppy billing practices. 

I received emergency treatment in XX/XX/XXXX ; then I received a bill from a debt collector ( Professional XXXX Associates, Inc. ) in XX/XX/XXXX. I responded to the debt collector asking for an itemized bill and questioning why I was not sent a bill to my home address soon after the services were rendered. The debt collector replied by sending me a bill with the amount, not itemized as I requested, and with the WRONG address.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX is the only one that 's right the other XXXX have incorrect information on them. I am tired of trying to get the old information off my credit report. Most of the stuff that appears if before 2010 and has resold to other collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX at approximately XXXX XXXX I logged onto Santander Consumer USA website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX XXXX XXXX website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX They are stating the payment was due XX/XX/XXXX I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am currently XXXX XXXX XXXX and have been trying to have my Employment Certification Form verified by XXXX XXXX for over two years now. The most reason submissions were on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All were denied for erroneous reasons by XXXX XXXX. I had the person in charge of our XXXX XXXX on base sign and verify my paperwork and now XXXX is telling me said person is n't authorized and I need a different signature. However, when I call to find out WHO exactly they want to sign off on my paperwork they are if no help. 

Additionally, the admin office typed up a formal letter of service stating my start and anticipated end date for XXXX XXXX, this is a legal document. Also, I tried submitting a copy of my XXXX statement which once again is proof of military service which qualifies under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Back in XXXX sometime I started looking into my credit files more due to wanting to buy a home. I was shocked to find a few items still reporting or reporting at all. So I got to working fixing paying, disputing anything that was wrong which was this account but with another collection company at the time so I disputed it and it came back as deleted due HIPPA LAWS and other info could n't be verified. Now the same account but with a New COMPANY has reported against me XX/XX/XXXX with no letter or statement or simply saying that company has that account. So I tried calling the company after googling the number and the people are rude as all heck and they wont give you any info except for its a past due amount from when you in the hospital or something about the hospital, could n't understand her that well. I disputed it on the XX/XX/XXXX also through XXXX and today XX/XX/XXXX very next day right I dispute this, Commonwealth Financial Systems reported against my credit for late payments! how can I be late on payments when I never had payments nor with this company! How can they report while I 'm disputing this? Plus I have had my name and SSN used so much in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Payday loan debt) with Meridian ARG Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company will not quit calling me I do not owe this debt and they 're contacting me telling me they 're going focus come to my place of residence and or employment Contacting my family Number is 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 06/29/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've sent three notices this year regarding my mortgage account being reported inaccurately to all XXXX of the major credit bureaus. 
Specifically, XX/XX/XXXX mortgage payment was made processed on XXXX/XXXX/XXXX yet it is being reported incorrectly as 90 days late. 
Also, my XX/XX/XXXX payment was made late only because the Caliber website had the monthly payment listed as {$1600.00} which was n't the case. I 've called and spoken to Customer Service Department representatives on multiple occasions who confirmed that the online account information was incorrect and therefore the less than full payment was n't an error on my part. 
On XXXX XXXX I spoke to XXXX ( ID # XXXX ) from the Customer Service Department who agreed and confirmed with his supervisor that both XX/XX/XXXX and XX/XX/XXXX payments were being reported incorrectly. The confirmation number I was provided for this particular conversation is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: Purchased the home on XX/XX/XXXX. Bank of America issued a 1st and 2nd mortgage. The 2nd is not a revolving, interest only loan, it is an amortized term loan with a balloon payment due in 10 years. ( XX/XX/XXXX ) We have never missed a payment or even been late in either the 1st or 2nd mortgage. The home was appraised by Bank of America above market value and has never been valued at or above the purchase price. Since the home value is below the total loan amount we are unable to refinance and pay the balloon payment. We have applied for a loan modification - simply asking to continue to make loan payments. Bank of America has given a preliminary approval of a loan modification if we make three monthly payments that are about {$450.00} higher than our regular payment. They will not disclose the make up of these requested payments. They will not tell us how much will be applied to principal, how much is interest and if there are any fees. They are also refusing to disclose the terms of the loan if we accept the modification. They are pressuring us to accept the modification with out full disclosure. I repeat, we are not delinquent with this mortgage or the 1st mortgage so there is no late balance due.

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 07/31/2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I was struggling to repay my loans from XX/XX/XXXX - XX/XX/XXXX, XXXX XXXX/ Navient representatives repeatedly suggested and applied forbearances to bring my account current or postpone payments without offering income-based-repayment options that could have saved me more money and helped me pay off my loans sooner. Those forbearances benefited XXXX XXXX/ Navient monetarily by increasing my loan amounts drastically. I should have been offered income-based-repayment options instead of continuous forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out XXXX for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: bureaus all 3 will not correct inquiries online and want remove the false info

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a hard inquiry on my XXXX score report which I don't why it has happened. I have called the company but get stuck in automatic reply. I am trying to fix the untreated reports before applying for a new credit card. I appreciate if you can help me to remove this hard inquiry from my account to improve my score.

Company response to consumer: Untimely response