milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I currently have a subscription with Equifax for the " Premier Plus '' monitoring service. For the past 30 days this service has n't been delivered as agreed ; yet the monthly service fee continues to be debited from my bank account. I have spoken to multiple technicians and customer resolution specialist regarding the situation however the problem still exist.
The main issue centers around on every occasion I attempt to access my credit report through this service ; I 'm given a systemic error message that tells me to contact Equifax. Upon contacting Equifax I 'm placed on hold for approximately 30 to 45 minutes with no resolution ; I 'm basically told its a problem with the system.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: due to equifax data breach i have tried contact them on phone, and im disconnected after waiting on hold. 
i have tried their website and it will not allow you to enter information and site crashes

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Payday loan () with High Point Asset Inc (CA).
Issue: Received a loan I didn't apply for

Complaint: I was contacted by High Point Asset, Inc on XXXX/XXXX/2015. They informed me that I had XXXX outstanding pay day loans which I would have to pay.They emailed me XXXX notices stating who the original creditors were and who the current creditor is with dates listed for when the loans were filed and the balance of each of them. I searched today for the contact information of these original creditors, in doing so I found that other cosumers have been contacted by High Point Asset, Inc stating that they owed money for payday loans that were also not listed on their credit reports. I decided to contact the Federal Trade Commission. 

After consulting with a representative at the Federal Trade Commission, I checked my credit report and found that no pay day loans were listed under my name and information. These loans do not exist and High Point Asset, Inc is trying to have me pay them for something that never happened.

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. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted TransUnion multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted TransUnion at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. TransUnion customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!

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 06/26/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Good Day, My name is XXXX XXXX and I have been faced with mortgage troubles for sometime. ( since XX/XX/XXXX ). I am currently working with Nationstar Mortgage, who has refused to lower my interest rate. They bought the XXXX loan from XXXX XXXX XXXX who gave me a trial period of {$500.00} a month, after having divorced, lost job, etc. I spoke with the bank repeatedly regarding my income and filed for fha several times. In any event circumstances later led me to file bankruptcy, Bankruptcy case XXXX. then the trustee appeared to lead me to believe that my mortgage would be deducted thru payroll and now I am facing foreclosure again. I would like to be able to keep home, I asked for helped. Can this agency assist in helping me with speaking to Nationstar to see if they could lower rate so that I could qualify for the loan. At 8 % XXXX XXXX XXXX said that I could not and gave me the trial period. The hand off to Nationstar from XXXX XXXX XXXX has been terrifying. I just want to keep home. Can there be a win-win. From XXXX to XXXX is a lot. I had been overwhelmed and hit by XXXX driver- so the fearful attacks frightened me into scared me. I have been a part of this and just would like another chance to save home. built by Dad. 
They asked me to pay on XX/XX/XXXX payment XXXX Nationstar XXXX : Nationstar ID : XXXX XXXX : ID : XXXX. Then try to pay {$14000.00} by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This creditor shows up as original creditor being owed on all  XXXX  of my credit reporting when it was sold to collection agency. They can no longer report this debt as theirs and the company will not remove from my reporting. I 've worked with them through all  XXXX  credit agencies and they will acknowledge this debt as paid in collections. Please help me.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I tried to dispute a couple of accounts on my credit and XXXX account stayed open. They never updated my information from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently noticed an OPEN collection accounts on XXXX of my credit bureau reports stating that LVNV has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to. On XXXX XXXX, 2017 I 've sent LVNV a letter via certified mail regarding this alleged collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on on XXXX/XXXX/17. On XXXX/XXXX/17, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm very puzzled. It is now XXXX XXXX and I still have yet to hear from them with a reply of this contractual agreement bearing my signature that I am asking for. If they do not reply I will have to take the next step to exercise my rights. This is very damaging to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Medical Society Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I happened to check my FICO score tonight and noticed it plummeted, then I proceed to order my credit report. To my surprise, I have a medical debt, in which it took some digging before I realized I have missed a bill. Apparenly, what I paid to XXXX hospital is separate from the Physician bill, in which the XXXX has made a poor effort of communication to me regarding the separate charges since XX/XX/2016. And the Bureau of Medical Economic has made a poor attempt in collecting from me, I have yet to receive the bill, I do n't even know the account number of which I owe. The bill is only {$340.00}, I would have pay it if I would have been notified of the separate charges or notified of the late payment. This form of poor communication will affect my credit and future in a negative way. My fiance and I have been working to build a home/house, and now with the downturn of my credit score, I m not sure what my future holds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Struggling to pay mortgage

Complaint: I submitted all my information for a short sale on  XXXX   XXXX ,  2017. Every ti me we call in they say there is nothing new to report and it is still in the process of review. They are failing to abide by timeline guidelines for response and the initial processor will not give a point of contact on the file, so every time I get different information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I did a loan modification with my mtg. I was at 2 % interest rate and knew it was increasing eventually and that was fine. It then increased to 3 % and showed fixed rate until XXXX/XXXX/XXXX. On XXXX XXXX XXXX statement the amt due did not match amt due online which is how I always pay so I had to call them. After getting the run around I get a gentleman who tells me pay the amt that is showing XXXX. XXXX is always most accurate he says. Then says your interest rate will be going up in XXXX so in that case online is NOT correct the paper statements are. I said what the heck do you mean? It shows online no more rate changes til XXXX/XXXX/XXXX? He said well online is incorrect about that. Sorry, I said " your sorry '' that do n't help. My payment is going up again & your sorry your system must be wrong? I have turned away numerous phone calls & letters about refinancing. I believed I was now FIXED at my current rate & payments as long as my escrow did n't change? He said " I do n't know '' ... So I wrote Chase mtg a letter XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX as you will see with my attached documents they are still researching? They tell me XXXX story after another. If there was a truthful reason then why 4months later are you still researching? Please help me with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Notified XXXX XX/XX/XXXX, and sent another dispute in XX/XX/XXXX of a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( lexis-nexis ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM Lexis-Nexis. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: In  XXXX   XXXX , I purchased  XXXX  {$500.00} prepa id Visa d ebit cards from a  XXXX  's grocery store in  XXXX   XXXX . They were issued  by U.S. B ank.  <P/> I attempted to use those cards, only to find out that they were n't activated properly. I called the number on the back of my card and was told to send a fax to  the Gift Card Activation de partment, which I did on  XXXX   XXXX ,  XXXX . I never heard anything back from anybody  at U.S. Bank.   <P/> Over the course of the next year, I would periodically attempt to check the balances on the cards using their online balance checker at   XXXX   XXXX   XXXX  . The cards never showed up on their online interface, so I assumed they continued to remain unactivated.  <P/> Frustrated, I finally called in again in  XXXX   XXXX  to investigate what was going on with my cards. It was then I learned that, despite being in my possession the entire time and nev er ( to m y knowledge ) being activated, the cards were totally drained of their balance. In fact, the cards were drained on  XXXX   XXXX ,  XXXX  - 2 days after I sent my fax. I was told to fill out a fraud form of some sort, which I promptly submitted. I was told that after filling out the form that  XXXX  new cards would be shipped to me.  <P/> My response fr om U.S. Bank  was frustrating, to say the least. They claim that they ca n't help me because I did not report the fraudulent activity within 120 days of the fraudulent transactions occurring. This, despite the fact that it would have been impossible for me to report any fraudulent activity, seeing as I did n't even know the cards were activated AND had no means of accessing information about the cards.  <P/> I still am unable to access the transaction history or learn any information about what happened with my cards, or how they were able to be used by another party despite being in my possession. I have reached out on several occasions over the past few months to no avail. My call s to U.S. Bank ha ve not resulted in any resolution, and nobody can explain to me how this all took place.  <P/> I thought I was out of options, but a colleague of mine referred me to CFPB, and I am now hoping you can help me get to the bottom of this.  <P/> Essentially, I have had {$1000.00} stolen from me. Please advise on what next steps I can take to get my money back.

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 monetary relief
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I mailed in an AES Credit Dispute form along with documentation showing that a double payment in XX/XX/XXXX had been made : payment 1 on XX/XX/XXXX and payment 2 on XX/XX/XXXX and the second XX/XX/XXXX payment was not counted as my XX/XX/XXXX payment. AES marked me as late. Due to marriage and name change, the bank returned my payments and AES no longer allows me to pay online. XX/XX/XXXX another payment made after no help from customer service. Account is up to date. Sought removal of negative marking on credit but with no positive assistance from AES customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (MA).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX a request for a mortgage discharge and " Paid in Full Letter '' was made by telephone and by facsimile. We were told that the account had been found and was paid in full in XXXX. Many LENGTHY subsequent phone calls were made and the discharge has not been recorded, nor did we ever receive a Paid in Full Letter. We also sent the request via email as lender requested of us. The emails were never responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Received from chase bank an unsolicited Amazon rewards visa credit card in my name with a XXXX line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (AZ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: First off I paid off a repo ( that I believe was unjustly taken ) in full through a collection agency XXXX XXXX XXXX At the time ( X/X/17 ) I paid it off they said they would remove the account from my credit report. They were representing Exeter finance who 's response was we do n't know who XXXX is we deal with XXXX so you need to deal with them regarding this account. Fair enough - XXXX sold the account to XXXX XXXX who then sold it to XXXX. I was told the account would be removed from my credit report - It has n't nor do I think it will after numerous attempts to dispute with the 3 credit agencies. That 's complaint number one - Complaint number two that I 'm more upset about is at the time of the repo I was going through a rough time with my wife. She was living in AZ and I was in FL living and working on a project. During that time payments fell behind ( 2 months ) and she called Exeter to come and get the vehicle. Problem is her name was not on the loan agreement nor did they have any business picking up the vehicle at her request. I called Exeter and they could not provide any evidence that they tried to call me personally, all the conversations they had were with my wife. I did not find out about all this until it was well over with. I also spoke with someone in their repo dept and they said they sent a letter to an AZ address explain the loan was in default and they had the right to repo weather it was volunteer not. By AZ  law they said that 's all they required to do. I researched it and yes that is true but you must sent the letter to the state where it is registered which was Florida. This is my last attempt to get this off my credit report before I contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (HI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I had a XXXX XXXX XXXX XXXX credit card. Due to financial hardship I was unable to make payments which caused my account to go into collections. I have made numerous attempts to reach out to XXXX XXXX to settle my debt. It has been years from when I have opened the card and this still shows on 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 07-11-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Trident Asset Management is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was trying to get a loan thru my bank and was told they could n't access my equifax report. So I called equifax and after being on hold for over 2 hours and transferred an got the run around I was told to fax my license and SS card because I had a sercuity freeze then wait 48 for them to get around to looking at it and removing the freeze. Well almost a week later when I still could n't access my report I was told I have a lock and my social sercuity number was removed off my name and would take 48 business hours to remove th lock that was stated in 2008 that was suppose to be canceled the same year. So I called today and now thy said it could be another 30 days to remove this control lock. Really?! After another 2 hours on hold and transferred all th place I get this.. How hard can this simple thing be to remove a lock and my banker be able to check my credit! You have no idea my frustrations with this process!

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 

In addition to this I have completed a request for modification affidavit and sent this to Select Portfolio Servicing, Inc. in XXXX I have received no response to my request for loss mitigation options. Instead, SPS has elected to put my home up for auction on XXXX XXXX, 2015. I feel this is a gross violation of my rights according to XXXX Code XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation