milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Company has n't deleted item after I provided proof.

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 10/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I work for XXXX, a branch of XXXX XXXX XXXX. When purchasing our first home, we chose Wells Fargo because they were the preferred home mortgage lender with my company, and they had a Wells Fargo XXXX XXXX program that was explained to have more benefits as a XXXX employee. When we met with a XXXX XXXX at Wells Fargo back in early XXXX, he explained that we would be receiving a {$500.00} gift card if we decided to process our loan through their company since that was a benefit of the Wells Fargo at XXXX program. This and other factors, ultimately secured our choice with going through them and I even emailed our XXXX throughout the process to ensure he was adding that to our loan, which he confirmed ( documentation supplied ). We were told this would usually come XXXX weeks after closing. We closed on our house mid XXXX XXXX, and as of XXXX, still had not received anything. I reached out to our XXXX, who I was told is no longer employed by Wells Fargo, and then I reached out to them via their online contact us form for the branch we used. I was contacted by another representative, who confirmed that I should have received the {$500.00} gift card, and that possibly our initial consultant had forgotten to add it or had incorrectly entered it on the loan. I had to follow up with her myself every week or so for an update on the correction, at which point later on, she replied that her XXXX had confirmed that the code needed was not entered correctly by our XXXX, and that this was being sent to be fixed since they no longer had access to our loan at the local branch since it had closed already. They said it had to be corrected outside of their office, and I was continued to follow up, I was just informed a few weeks ago that it had to be escalated to Wells Fargo 's XXXX to be fixed and that someone would be in touch with me shortly. It 's been XXXX weeks now, and no one from XXXX or the local branch has reached out to us concerning the matter. It is extremely frustrating to have not only had this {$500.00} promised to us to help persuade us to use Wells Fargo in the beginning of our home mortgage shopping, and then our XXXX failed to enter it on the loan correctly, and now the company, having known of the issue since XXXX, still have yet to provide any type of update or resolution on the problem.

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 05-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out loans for schooling when I was XXXX years old. I was an XXXX and left high school with XXXX credits in collegiate courses. As a studious person, I did all the desired paperwork and classes available to educate myself on the process of financial aid. My parents did not have the money to put me through college but were adamant about me focusing on achieving my XXXX. Financial Aid advisors ( both in my high school and my colleges ) told me ( and my parents ) that " student loans are the easiest loans to take out. Even if you have the money, you should take out student loans, they are simple. If you do n't have a job when you get out of school, you can wait to pay them off. '' I took those " authorities '' at their words. I finished my XXXX degree after being enrolled in XXXX schools with XXXX degrees. I was never instructed that there are differences between federal and private loans. I was never told about the differences in repayment and assumed all student loans were equal. It was logical, all my loans ( except for XXXX ) were coming from XXXX XXXX. Now looking back it is insane to me that we are asking XXXX year old kids, with little to no exposure to even running their own basic budgets, to navigate the complicated intricacies of loans and repayment programs. The market crashed in XX/XX/XXXX, I graduated in XX/XX/XXXX. It took me a very long time to find a career and a job where I could afford to pay my student loans. Needless to say, I left school $ XXXX in debt with XXXX degrees, and could not find a job. I had no idea, but interest was piling up on all the loans I had acquired. I have, since then, found a career where I make a good amount of money. However, it is impossible to get out from under the student loan debt. I have paid XXXX of my loans on auto-debit for XXXX years straight. The original amount of the loan was $ XXXX. I have been paying $ XXXX $ XXXX on auto debit for XXXX years. My principal balance is now {$14000.00}. AFTER XXXX YEARS OF PAYMENT. I am frustrated and overwhelmed. It is not SIMPLE interest, like my home loan, but rather compound interest. I NEVER would have taken out student loans if this was explained to me as an XXXX year old. I had to BUY A HOME, to understand the difference between the types of interest. The concept of simple vs compound interest was never explained to me and as a result, even though my salary is high, I have very little ability to pay off these loans. It is a travesty of the education system that those concepts are not explained to people. Even with the salary I have, I am UNABLE to make the payments and as a result, set up for financial failure. How is this fair? I am trying to get ahead but frankly I have paid more down on my house and car in XXXX years than I have in XXXX years on my student loan. Should n't this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted Experian/XXXX with no successful resolution. It says the account was open on XX/XX/2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against equifax, XXXX and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Medical) with Columbia Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to XXXX. 
under Section XXXX of the Texas XXXX XXXX laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 

Columbia Collection Service , Inc. failed to notify the credit reporting agencies that the debt is disputed. FDCPA Section 807 ( 8 ), FDCPA Section 805 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I took out an education loan back in XX/XX/XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax identified a cybersecurity incident on XXXX XXXX, XXXX. The information about the breach was not publicized via a press release until XXXX XXXX, XXXX. 

This breach contained names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call often, using various numbers, even local numbers, making me think it 's school ( XXXX young children ) or work related. They never call using XXXX or XXXX number or company name on caller ID. They wont respond, or talk to me, they keep reading 'script '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (KY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX with XXXX XXXX making several phone calls a day from an unknown number. This includes Sunday, and between hours that are not permitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been calling both of my phone numbers repeatedly, daily. Today they called my phone number 8 times, when I answer the phone there is no one there. I finally waited 4 minutes tonight to actually speak to the person calling. They could not tell me where they were calling from or speak understandably at all. 
They have been double dialing, I get multiple phone calls back to back. A week ago I asked them to send me information about whatever debt I owe and they hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Freedom Mortgage is notorious for not posting mailed payments in a timely manner and I have called them in the past about this very issue. My XXXX 2016 payment was mailed XXXX/XXXX/16 and has not been posted as of XXXX/XXXX/16. I call and let them know on XXXX/XXXX/16 that if the check is truly NOT there I can make this payment today but if it comes through after that it will overdraft my account. The rep ( XXXX ) stated well you need to stop payment on the check.I refuse to spend money on that because I believe the check is there and I requested them to look for it. I was told no they do n't do that. I requested a manager and was told no manager is available and was transferrd to escallations. The rep there continuously interrupted me as I was requesting them to look for this check. He told me they will not look for the check. Both reps refused to assist me. This company has no respect or consideration for it 's customers and it clearly shows. All I 'm trying to do is make sure this payment gets posted on time. If the payment truly did n't make it to their location it will be the only time this has ever happened. I have been mailing my mortgage payments for 17 years and NEVER had a payment not show up or ever show up LATE. My credit history and score is well above average because I pay my bills on time EVERY MONTH. This better not show up on my credit report due to this companies negligence in handling payments. I have mailed in payments to this company regularly between the XXXX and XXXX of each month and it is verifiable that they do NOT POST until the XXXX, XXXX, or XXXX. This company simply refuses to assist me on an issue I did not create nor do I have any control over. This is truly a shame and I want a company officer to call me immediately. Do not report any negative activity on my credit report and have a company officer contact me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Filled a complaint on XXXX/XXXX/2015 ( XXXX ) and have been trying to get a hold of my Personnel account Manager to find out status with No return Phone call on at least XXXX attempts ( unacceptable ). 
Today i checked the CFPB for a update and see a update was sent by Mail, which I did not get because they did not put my apartment number on my mailing address which they had at XXXX time but seemed to have miss placed that as well. It Should Be XXXX.Also My credit has been damaged by this and am requesting them to Repair this as well with no response at all. The problem they had was bigger than them saying insurance was not in place. that only came late in the conversations i did have with them and it was supplied to them. It does not explain why they said my payments were {$16000.00} per month and I was a month behind ( how do you explain that ). Requested at least 7 Times to talk to a supervisor or have one call me and that never happen. I can not even get my XXXX on the phone I know they record all theses conversation so there is a record of everything i am saying. I tried again this morning to contact my XXXX XXXX XXXX other agents are not allowed to handle your complaints and they are not available and no supervisor will ever call you back. Worst customer service set up i have ever experienced. I am requesting thru you to have my Apartment number of XXXX added to my address. Also to have credit agencies contacted and repair my credit.Maybe you can get them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called XXXX today, and explained this and will forward add'l documentation to them. I understand the the current owner is Pinnacle Credit Services , LLC ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.

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 03/31/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have had multiple credit accounts closed on me, despite good history and payment terms as agreed because of false an or erroneous information on both my Equifax and XXXX credit agency reporting. The adverse or negative accounts I have reported to you and a few have been removed already but not reflection in my score. 

Meanwhile my credit score took a huge dive from XXXX plus to XXXX as a result of the " false '' and.or " inaccurate '' information. XXXX XXXX has closed every single credit card I had with them that had a XXXX balance despite not one being late for failure to pay. Credit lines I do have with XXXX were reduced to exactly what I owe. THIS IS WRONG! XXXX XXXX closed me today, again I had a XXXX balance and was in good standing with them. XXXX XXXX &.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: To whom it may concern : What happened was, an ex boyfriend of mine stole a checkbook of mine ( who owns his own business, has kids is a XXXX XXXX and what I thought not a bad guy ) and wrote 7 checks with a total of {$10000.00}. I filed a police report. The bank verified it was not my signature on any of the check and even verified the Business Account he wrote the checks under " XXXX XXXX XXXX. '' They verified where the checks were deposited. 

Chase then blamed me for not " exercising extraordinary care of protecting my checkbook '' and have denied all claims. 

I have banked with Chase bank since 1994. 

You would think the police report, the printed checks, and all the other evidence they had would be enough. 

Now I have an official letter stating they are denying thing claim. 

I need your help. 

You may contact me anytime on my cell phone XXXX. 

Thank you so much for any help you can offer!

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with HireRight Solutions, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have applied for a job XXXX and on my credit report I have XXXX civil case which are not mine. Case # XXXX XXXX XXXX XXXX. I never applied for this loan. Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have never owned a home to have any construction work done on. And case # XXXX XXXX XXXX XXXX XXXX XXXX, that is a fraud case and I would like someone to look into that asap. I have never had any criminal activity on my record and again my name was not XXXX until 2013. My name is also listed as XXXX XXXX XXXX which has never been my name. I was born XXXX XXXX XXXX and married XXXX XXXX, 2013 as XXXX XXXX XXXX. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, also reporting loans as US Dept of Ed/ XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX  XXXX and USDE that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX/ USDE is partaking in illegal reporting practices.

Company response to consumer: Closed with explanation