milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2017 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: XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Federal student loan servicing) with ACS Education Services (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan was discharged due to VA XXXX. It was discharged XXXX 2015 and I 've called and emailed ACS/XXXX, XXXX XXXX, XXXX, Dept. of Education and the IRS. I never received my XXXX Form and I kept getting the runaround, ACS said they do n't issue, call XXXX XXXX and XXXX XXXX gave me a letter with an amount, not the actual XXXX form. I called the IRS and they said that no one has issued a XXXX under my social security. XXXX XXXX said my lender should of given me the XXXX but ACS is the servicer for XXXX and said XXXX XXXX is the one to issue my XXXX form. My next issue was that my Credit Report ( XXXX ) was the only XXXX out the XXXX credit bureau 's to have under the comments section, Student Loan Assigned to Government ; Fixed Rate. I 've been disputing it and it 's still not fixed. ACS sent a letter saying that my loan was discharged but it did n't say VA XXXX and I do n't know if that has anything to do with why I did n't get my XXXX? If no-one filed a XXXX with the IRS, maybe that 's why I did n't get it. I do n't know the actual procedures of what happens when a student loan is discharge because of Veterans XXXX, but I just want to make sure that I 'm not on a 3 year monitoring period and maybe that 's why my loan on the credit report says Loan Assigned to Gov. Fixed rate. I get different answers every time I call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender not willing to postpond sheriff sale even with complete short sale packet. We have a buyer, HUD, listing, financials, everything they are requesting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off the mortgage to Champion mortgage in  XXXX  for the estate of my uncle. They sent me written affirmation that it was paid off on  XXXX   XXXX . The forced place insurance company settled with me for {$150000.00} in damages to the property which had the mortgage in  XXXX  but the mortgage company insisted it receive the check. On  XXXX   XXXX  Champion mortgage informed me that it had received the check from the insurance company but was holding it pending a showing that the repairs had been made. I have tried to convince the mortgage company to send me the check, since  Champion no  longer had any interest or was owed anything on the mortgage, and have received numerous reasons why it could not do so including saying the check was in the mail, though it had not reached me 14 days after their saying so. Ironically,  Champion ap plied an earlier insurance check that was issued in  XXXX    XXXX   to the unpaid balance of the mortgage, without asking my permission. I would like the money with interest ASAP. I am the legally appointed administrator for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Why is getting TransUnion to investigate something impossible? This is my 4th request sent certifeid. I do n't know why I must spend so many countless hours on this. It feels like they are n't even actaully reading my letters. 

I do not wish to file a lawsuit. 

See attached.

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 10-02-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: XXXX of 2015 I received a statement from Macy 's stating that I owed {$58.00} and my minimum payment was {$88.00}. When I called Macy 's to question them about that the customer service could not help me. XXXX I got a statement saying I owed {$70.00} because there was a {$37.00} fee? I called the home office and talk to XXXX XXXX I asked the account be removed from collection and credit reinstated she informed me that Macy 's does n't make it a habit to pull back a collection or reinstate credit. I once again explained the situation to no avail she said " maybe there was a late fee or something '' I spoke with her approximately three different times with no resolution the statement even shows when payment was made. Macy 's messed up not I,. I said I would pay the {$33.00} I owed but was told to pay {$70.00} I have taken a picture of of Macy 's own website on the date I paid my payment in XXXX it clearly shows that it was paid at XXXX on XXXX XXXX statement reflects that fact. Yet I was charged {$37.00} fee. I 'm not sure how the math works that I owe {$58.00} with a minimum payment of {$88.00} and then the following month I owe {$70.00} none of it makes sense. And Macy 's obviously could make sense of it either or I would have been told it was probably a late fee or something. It 's completely inaccurate and I want it corrected. And XXXX XXXX is of no help. I would hope you could talk to someone else besides her because she is confused and making things up. Trying to protect the company. I will also be filing a complaint with the State Attorneys General office.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX , TransUnion, and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

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 08/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I AM TRYING TO GET LOAN MODIFICATION FROM WELLS FARGO SINCE XX/XX/XXXX, WELLS FARGO IS REVIEWING MY LOAN MODE PACKAGE BUT STILL THEY TOLD ME THAT THEY WILL LET ME KNOW ON XX/XX/XXXX WHETHER THEY WILL APPROVE ME / NOT FOR LOAN MODIFICATION. AND I HAVE NO RIGHT TO APPEAL AND FORECLOSURE PROCESS WILL KEEP GOING ON ON XX/XX/XXXX. I HAVE SEND ALL MY COMPLETE PACKAGE TO WELLS FARGO BUT STILL THEY ARE TELLING ME THAT I NEEDED MORE PAPERS TO REVIEW, SO I HAVE SEND / RE-FAX MY PAPERS AGAIN AND AGAIN. I HIRED CONSULTATION COMPANY ON XX/XX/XXXX AND ALSO DIFFERENT CONSULTATION COMPANY ON XX/XX/XXXX TO STOP THE FORECLOSURE SALE DATE. END

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 02-09-2016 about Credit reporting () with Contemporary Information Corp (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello. Thanks for your help! 

This is in regards to a full file disclosure from a speciality CRA, Contemporary Information Corp ( CIC ). 

This CRA has run numerous reports on me in the past- including- a dispute with this company back in XXXX XXXX were reporting an expunged record- in which they eventually corrected ( confirmed in a paid report run XX/XX/XXXX ). In XXXX XXXX, they ran another tenant screening report which reported a 'code XXXX Must call customer service for a manual search. ' My full file disclosure request included the below language : " I am writing to request a free annual full file disclosure ( FCRA 612 ( a ) ), including all information recorded and retained, regardless of how the information is stored, including sources for the information in the file, information about persons who have procured a consumer report, and a record of all inquiries, as mandated by the FCRA and enforced by the CFPB. Please include definitions for any coded information as also required by the FCRA. '' " While this letter of full file disclosure request and enclosed identification fully satisfies all requirements of the FCRA Regulation V, please inform me in writing if there are any issues with this request. Any noncompliance of the FCRA or FACTA will be documented and appropriate actions will be executed. '' The response of the full file disclosure was simply a clean consumer report ( attached ). 
There is : -no record of the report ran on XX/XX/XXXX ( attached ) -no record of the report ran on XX/XX/XXXX ( attached ) -no mention of the coded information on report from XX/XX/XXXX -no definitions of coded information -no record of the prior dispute -no source of information from previous dispute -no information about the persons who have procured a consumer report on me All supporting documents are attached and labeled. 

I am looking to receive a proper full file disclosure - EVERYTHING that this company has in my file - not just a clean consumer report ( CIC sent me a clean report in XXXX XXXX and somehow sent out the 'code XXXX ' report in XX/XX/XXXX ). 

In summary- CIC originally issued an inaccurate report, claimed it was fixed after a formal dispute, later issued a report with some sort of coded flag on it, and then issued me a clean report when I asked for a full file disclosure. 

These guys keep messing up my report and now are n't following proper protocol for a full file disclosure. Can I please get some assistance? Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax was contacted about XXXX Bank assesing my credit file on XXXX/XXXX/2014. I told them that I had not applied to this business for credit. Please see that Equifax remove this hard inquiry from my file. Someone should be fined for assesing my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: An appeal dispute was reissued after a plausible inquiry on XXXX XXXX 2015 of probable identity theft with the Consumer Financial Protection Bureau as of XXXX XXXX 2015. The plaintiff # XXXX attest that the issue was NOT identity theft, rather, he is a victim of XXXX discrimination and financial coercive activity by agency AMERICAN EDUCATIONAL SERVICES ( AES ) /PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I sent my item and never got my payment. I 've waited 2 months and my payment never was received I 've been robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing account

Complaint: Paypal has limited my account such that I can not withdraw anything and is withholding the balance of my account for 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Multiple attempts to request action to prove and or remove delinquency to no avail

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 02/24/2016 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was applying for a loan yesterday when I was told by the loan officer that there was a collection item on my credit report for {$36.00}. I was given the collection company 's name and phone number and I proceeded to call Quality Asset Recovery immediately. I was told by the collector that the debt was for a medical XXXX and that I now owed {$38.00}. I asked why I was never sent a invoice from the collection company for I have lived at the same address for over 14 years and he had no response but to tell me I must have been billed from the XXXX party. So I immediately paid the bill over the phone with the collection company to get this item off my credit report and then called the XXXX party company to find out what happened? For I have had the same medical insurance ( HMO ) for over 16 years and with my HMO I am only responsible for paying co-pays so I do n't know why I would be charged in the first place? After talking with the customer service representative from the XXXX I was told the debt was from XXXX and that they did n't find it until XXXX and that because it was a billing error that I was only sent ONE bill which was printed on XXXX/XXXX/XXXX and mailed out a few days later. I was also told that the debt of {$18.00} and that I should have only paid the collection company that amount. So know I am really getting upset for the bill is supposedly from XXXX, I only was mailed XXXX invoice and now I just paid over 100 % of the initial debt owed. I did n't know a collection company had the right to charge over a 100 % in collection fees. And again the company ca n't use the excuse that some of that money was used to try and contact me for I had received NOTHING from Quality Asset Recovery, which again was confirmed by the collection representative that I spoke with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 12-06-2015 about Credit reporting () with ATG Credit, LLC (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a hospital visit where I saw several specialists. All medical providers billed me properly to the correct address. The XXXX company who did not, XXXX XXXX, sent communication to the wrong addresses and never reached out to me otherwise ; the company has documentation of using the incorrect address, none of which are addresses my insurance provider, the hospital, nor myself have ever used. XXXX XXXX seems to have several addresses mixed up into XXXX which created the communication error. They did however have my phone number and never used it to contact me and instead sent me to collections over {$8.00}. When I reached out to the collection agency, they were very rude and aggressive. The company, ATG Credit, refused to give assist me in a professional manner and also hung up on me. I then contacted XXXX XXXX and spoke with XXXX who said they would reach out to ATG to have my account pulled back to the XXXX XXXX to get this discrepancy rectified. The communication between both companies happened on XXXX XXXX, 2015. Since then I have not received any follow up and ATG has reported my account as Key Derogatory yet again. I have paid them the {$8.00} owed as I would have paid it if I was billed, but this is still on my report and the company did not hold up their end of the arrangement to remove the inaccurate credit infraction completely as if it were never there. IT should not have been there in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Demanding A Credit Bureau Investigate To Whom It May Concern : Experian I recently submitted a request for investigation of the following Acct Numbers : XXXX Collection/ Chargeoff {$1300.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX , XXXX XXXX XXXX XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. XXXX, XXXX vs. XXXX ( Experian ), and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Resolution Services Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing my credit report I mailed a  XXXX  letter on  XXXX   XXXX ,    2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,    2017  i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from   XXXX   and would like this account to be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I made a payment of XXXX to XXXX on XX/XX/2015 and Equifax says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report

Company response to consumer: Closed with explanation