milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted Experian Credit Agency after my mortgage company informed me that there was a judgement listed against me on my credit report. I was surprise because a couple of months earlier, I had requested my credit report from " Annual Free Credit Report '' website and the judgement was not listed. I received a copy of my credit report from the mortgage company and they explained that I need have Experian remove this information. I proceeded to contact the creditor ( XXXX ), they explained that they never reported this information to Experian and proceeded to provide me with a letter explaining that the information in my credit report is incorrect. I forwarded this letter to Experian through their dispute center and U.S. postal Service. I received a letter a day ago stating that they would not be removing this information. I need this information removed, because is preventing me from obtaining a home mortgage. This information should have never appeared on my credit report also because is under the name of a company that used to own, not under my personal name. I will appreciate it if you could please help me resolved this matter. I have tried several times to remove this information from my records, but Experian refuses. I have attached copies of my credit report showing that the judgement was against " XXXX XXXX, XXXX, not XXXX XXXX. I am also attaching the letter from XXXX ( XXXX XXXX XXXX XXXX the creditor named in the judgement stating that the information in my credit report is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The last payment on this account was XXXX XXXX claim the last payment was XXXX I wrote XXXX to go a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX do n't have the account .How can XXXX report to Equifax the last payment but they cant send me the last payment identifier..

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (I do not know) with Ridge & Valley Realty, Inc. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This amount went from being XXXX to XXXX and is now XXXX and I never owed them a dime I gave them a XXXX dollar cash deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Specialized Loan Servicing LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/2007 my ex-husband and I took out a small second mortgage on our home. The loan amount was somewhere around {$8000.00} with payments at {$110.00} per month. This was done with XXXX XXXX in XXXX, MI. During our divorce, my husband became responsible for the payments and this loan is currently reflecting as past due on my credit report, showing that {$4500.00} is still owed on the account. Based upon my calculations, 10 years and 6 months later we have paid out almost {$15000.00} for the loan. I feel we over paid dramatically and to still have an amount owing is ridiculous. I can not find the original loan paperwork, I have called XXXX XXXX to try to obtain the old loan information to no avail. I want this amount discharged completely and removed from 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 05/21/2015 about Credit reporting () with FMS Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: FMS INC placed an account on my credit report that does not belong to me and is damaging my credit. I have attempted contacting FMS INC to provide proof that this account belongs to me or otherwise remove it and they have not responded to me or removed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I did not make theses inquiries and I just started monitoring my transition credit report inquiryXXXX XXXX  XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX  XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XX/XX/XXXX inquiryXXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XX/XX/XXXX

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 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent debt collector request to validate. They sent statement with XXXX logo on it, an XXXX number, total amount due, bill date, a closing balance, additional charges ( undefined ). And that 's it. No notice of right to dispute. No other information requested in my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: PROFESSIONAL DEBT MEDIATION SENT DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES ... 2 DIFFERENT COMPANIES ( XXXX XXXX and Professional Debt Mediation ) ASKING FOR SAME PAYMENT VIOLATES FCBA/ FDCPA AND ACCOUNT OUTDATED 2012, VIA CONSUMER LAW ; GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-23 AND OCGA 9-3-25 HAS EXPIRED TO COLLECT ACCOUNT OVER 7YRS OLD ... NOTE : FORMAL COMPLAINT FILED WITH " BBB ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Experian & XXXX was asked on several occasions in complaints filed to this system to PROVIDE THE NAME AND CONTACT INFO OF THE VENDOR REPORTING THE BANKRUPTCY to my Experian & XXXX credit file. I would like to challenge the accuracy of that report. If the vendor is XXXX, they are not reporting this item to Experian & XXXX. Unless Experian & XXXX provides proof that the vendor is reporting the item after this request for verification, it should be immediately removed as per FCRA. If not simply let me know in response to this complaint and this date ...

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.

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 03-09-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Struggling to pay mortgage

Complaint: This is now the 3rd complaint submission to the CFPB about the same problem, as Bank of America continues to " lose '' faxes and continuously tell me wrong information that keeps me running in circles. As of XX/XX/2016 my father passed away ( XXXX XXXX ). The home I live in was under mortgage with BOA and my father was the borrower. I am the sole beneficiary on the deed. My father XXXX   unexpectedly. I, soon after his XXXX contacted BOA about taking over the mortgage. Since that original call, I have applied for modifications ( under the suggestion of BOA reps ) multiple times. Some have been " lost '' and some were just denied. A rep from the qualified assumptions department stated all he needed was an " affidavit of death '' I did that. It led nowhere. I then submitted information to the " title change department '' they then had me apply for a modification, that was subsequently denied. XXXX XXXX of BOA had me then fill out a qualified assumptions package. I checked with her several days later. She stated it was " lost '' She said she would call me the following Friday, XX/XX/XXXX. She never called, and every time I tried to contact her BOA message stated " your customer service rep is not available ''. I then submitted my 2nd complaint to the CFPB. I received a call from " XXXX '' in regulatory complaints. He stated assumptions are done all the time with no problem and all I needed to do was send in a letter with the deed to become successor in interest to this department " noe-rfi ''. The address XXXX gave me came up undeliverable by the USPS. I called him back to double check the address. He never returned my call. The letter was sent with tracking and signature required. The letter was never picked up. I have included a recent document from BOA, that clearly states I am eligible to APPLY for an assumption but to be approved would be based off of a credit report and the " ability to repay ''. This letter DIRECTLY contradicts everything the CFPB has clarified regarding heir 's taking over a mortgage when a borrower dies. The CFPB directly states in those circumstances the heir should not be made to jump through unnecessary hoops and also should not trigger the " ability to repay '' rule. I wish to remain in my home, I wish to assume the mortgage but with BOA constantly telling me the wrong information and losing my faxes, I continue to get nowhere. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Payoff process

Complaint: I have a Kohls credit card. the balance on it has been XXXX for over a month. i have called them and according to Kohls it has been reported already. 
My credit is still showing as I owe them and this is affecting my credit, my ability to get a lower apr for the car loan. I would like this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my loans since 2006, I struggled at first as I was just out of school.I did what I could and was into at least XXXX forbareneces, never once asked if I wanted to do income based payments. Now 10 years later I 'm still paying and for the last 5 years I have been over paying my loans to the point that they say I do n't have a payment due for 2 months. On top of it all the payment has shrunk. There is no definite due date and as I keep over paying the payment gets smaller. This is rediculus, I own a house and if I over pay I still have to make the same payment ever month. They are XXXX me and XXXX out of money cuz of the way they set up loans. No one will ever get out from under the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Both accounts below are settled and closed. Should have a zero balance on credit report along with a zero past due amount. Please investigate and update credit report. Accounts are shown on both transunion and XXXX credit reports. 

Account # 1 {$850.00} BalanceXXXX XXXX XXXX XXXX XXXX ( Agreed to settlement and account should be closed with a zero balance ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Account # 2 ( Agreed to settlement and account should be closed with a zero balance ). 
{$620.00} BalanceGE XXXX XXXX XXXXAgain, all accounts were settled and agreed upon by both parties. Both accounts should be closed and show a zero balance ... .. Please see attached report from credit Karma ( transunion and XXXX ) show this balance still.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX, XXXX I disputed all negative accounts and inquiries on my credit report with Equifax. On XXXX XXXX, XXXX I received an alert from XXXX XXXX to log on to my account due to changes. I logged on and I noticed that all negative accounts and inquiries was deleted from my credit profile. I printed out that report and highlighted all. On XXXX XXXX, XXXX I decided that I would purchase the Equifax XXXX Solution I looked on the report by Equifax and noticed that all negative was deleted from credit profile. I printed out report and highlighted all. On XXXX XXXX, XXXX I logged back on to Equifax website and noticed that all negative and inquiries that was removed are now back on my credit profile. I was not notified by Equifax for the matter. All I want is those negative accounts and inquiries remove permanently. I know that Equifax was supposed to notify me through email or letter, explaining why these accounts was added back to my credit profile. I have not received anything in the mail nor my email stating why all was added. I will upload all evidence showing my credit report on XXXX XXXX to XXXX XXXX, XXXX. I also highlighted the dates and all items I want off my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with Synovus Bank (FL).
Issue: Taking out the loan or lease

Complaint: In XX/XX/XXXX I contact both the credit bureaus and the creditor of this account to validate the dates the account was opened. I recently reviewed my credit reports and the entry as old as XX/XX/XXXX is still reporting and showing on my credit files why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Weinman Acquisition Group (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX from Weiman Acquisition left a voicemail claiming she worked XXXX and there is action being takin against my social. I returned the call and she said it was regarding my husband. I then proceeded to tell her that I was hus wife and asked who the other parry was that made the complaint. She said she was not able to give me that information, I work in finance and am very aware of the regulations, and yes she has to provide being I am the spouse. She claimed that he would miss a court date.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a CITI gift debit card. It expired on XXXX. It still has funds on the card. I spoke to Citi customer service on XXXX/XXXX/16 ( spoke to XXXX and she referred it to XXXX XXXX ) and they would not issue a replacement card or a check.

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 05-05-2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Nationwide Recovery Service h as place an account in collection for the amount of {$270.00}. I have disputed this with  XXXX  and never received a response.   I calle d Nationwide Recovery Service at (   XXXX   XXXX   XXXX  they said they dont have the information proving this is my account or if I ever signed for it. Their disregards for my concerns were astonishing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Making/receiving payments, sending money

Complaint: Some one hack my dibit card I told them I did n't make the purchase but they paid it any way, resort for every bill came due they added fees for over draft, then my automatic was deactivated and my bills was not being paid which was report to the reporting companys, no told me automatic was deactivated and late was being reported and late fee'e add to amount due to me account. This whole problem could have been avoided if the credit union had not paid a bill due to hack I received an email about the purchase I replied by I did n't make are authorized the purchase, I called the credit union and told them I did n't make the purchase, at that point it had not been paid even after them I did n't make the purchase they still paid it and added overdraft fees for all bills that needed to be paid by automatic pay from my checking account everyday checking, and then they deactivated the account with out notice and my bills was not being paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Perfection Collection (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After 3 years of having and paying on time my account is fine and paid by bank draft. The salesman forged my name on a lady I referred to them contract and was confirmed by  5 emp loyees at the company. It was sold to perfection collection and they will not accept my explanation. Was told by  XXXX   XXXX  at perfection collection that if I had the company call and confirm this he would remove me from collection. The security company removed my name from contract and we called on  a 3 w ay phone call with a security representative the employee at perfection said they bought the account and would need more and that I should file a forgery report with local police. The security company representative asked if he would send a letter stating that would say what he had just discussed with us and get my name off the collection report. Perfection collection employee took my email information and hung up on m y 3  way call. I still do n't have the email and do n't think they will My name is  XXXX   XXXX  and security company is   XXXX   and   XXXX   employee that was on the  3  way cal trying to help me was  XXXX .  XXXX  has acknowledged the forgery b y 5 differ ent employees. I feel they will handle the salesperson for the forgery and appreciate there willingness to help get this cleared from my record Perfection Collection will not listen to me or  XXXX  and do n't do what they tell you to do.

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 explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Other banking product or service) with TCF NATIONAL BANK (VA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: A bank account with TCF Bank had a hold placed upon it on XXXX XXXX, a hold that was placed as a request to " close '' the account was processed. 
Subsequently two more checks were deposited into the account because the close never went through, on XXXX XXXX and XXXX XXXX. 
TCF instructed the complainant to submit a notarized, overnight-ed letter with account information where the funds should be deposited. That letter was sent, and the funds were never transferred. 
The complainant then called TCF again on XXXX XXXX, and was told that they had mailed the check sending the funds for the XXXX XXXX deposit. That check arrived on XXXX XXXX. During the same conversation, was told they would cut and mail a new check immediately to transfer the funds from XXXX XXXX deposit. 
As of today ( XXXX XXXX ) that check was not received. XXXX ( XXXX XXXX ) TCF was called again, and said they were unsure whether or not a check had been mailed ( although more than 10 business days had passed ). Was told to pay for another notarized letter to be sent to TCF, at which point they can cut him a check for the remaining funds. 
It has now been 28 days since TCF has held onto complainant 's funds.

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