milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I have spent dozens of hours and many months trying to resolve a very simple inaccuracy on my Equifax credit report. Today I got an email saying that my dispute had been resolved. I clicked the link to go to their website, but every time I enter the information to verify my identity, I am told that it does n't match their records. ( I 'm 100 % sure that the information is correct. It 's very basic information, just name, ssn, date of birth, and current address How could that not match their records? ) So, I decided to call them. After remaining on hold for about 10 minutes, my call was disconnected. 

I have been around and around this same process literally dozens of times in the last year. I refuse to sit on the phone yet again, waiting to talk to someone only to have my call disconnected again. 

Consumers like myself are at the complete mercy of big companies like this and their lack of reasonable customer service causes major life-changing upheaval such as not being able to qualify for a mortgage to purchase a home. 

Please help me get this resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (KS).
Issue: Managing the loan or lease

Complaint: I paid an auto loan off through PNC Bank on XXXX XXXX, 2015 and put a stop payment on the auto pay through XXXX on XXXX XXXX, 2015 but something went wrong and XXXX paid a XXXX payment to the acct that PNC says was closed on XXXX XXXX. PNC says they never received it, that it was automatically rejected and XXXX says they have no record of this rejection and do n't have the money. PNC says they have no escalation process because it was never received and XXXX says they ca n't escalate until they have something from PNC. I know every time money electronically transfers it goes through the Fed Reserve and has a Fed number to track but all parties refuse to look into it. {$720.00} is n't a huge amount of money for some people but it 's XXXX and I do n't have any money!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is dated from XX/XX/2016 and XX/XX/2016 I had two 30 day late payments, taken out from a account that was under a debit card breach, and I informed them of that.

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 10/21/2015 about Credit reporting () with WESTERN MASS CREDIT CORP. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Several years ago I received in the mail a notice from the XXXX XXXX XXXX for a delinquent debt for a XXXX account. I have NEVER used XXXX. After speaking with a XXXX representative, I was told to email a copy of a completed FTC Complaint and a photo ID to remove the debt from my name. I emailed both of these items to XXXX. This month, about 3 days later, this SAME collection is showing up on my CREDIT REPORT. I have contacted XXXX yet again and was told this account has DIFFERENT social security number affiliated with it. In order to have the collection removed I was told to AGAIN fax a copy of my FTC Complaint, a copy of my credit report, and a copy of a police report showing that I reported this incident. I faxed all of this information to XXXX six days ago and received a fax transmittal confirmation. I called XXXX billing department this morning and was told they have no recorded of receiving this information and that it could take up to 2 weeks so I just needed to be patient. I am incredibly doubtful that sending the same information to XXXX as I did 3 years ago will cause them to take any action towards removing this fraudulent collection from my credit report. I have exhausted all resources I possibly can to clear this up and the Company again is refusing to act. I am attempting to purchase a home and this collection has SERIOUS NEGATIVE IMPACT to my credit score. XXXX is costing me money, time, and effort and there is nothing it seems that will make them take action.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Other bank product/service) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Problems caused by my funds being low

Complaint: I keep receiving mail and all correspondence from this agency claim that he purchase my mortgage from XXXX XXXX along with my United States XXXX on XXXX XXXX, 2017 XXXX XXXX left a letter envelope outside my door in this letter was advertising from Bayveiw Loan Service offering me to Cash for my Key to my house that withdrawal {$50000.00} from my pension to put the downpayment down stating that I Get cash to help you move to a new home accept this offer today. My pension was without and paid for me to move here why would this agency ask me to release my title of my home and all contents in the home to them for {$2000.00} is this legal please investigate this agency ensure that it legal to offer a home owner and all misconduct and mismanagement found all individual involved be convicted according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 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: Information belongs to someone else

Complaint: I 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with I.C. System, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My credit report shows a collection from IC Systems. I have no business with them. They are not licensed in Nevada.

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 Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company frequently calls me, using different telephone numbers. The latest one from XXXX was on XXXX XXXX, XXXX at XXXX XXXX, local time. I identified the numbers as belonging to XXXX XXXX in XXXX, California. The company fails to leave a message. I want to know who they represent, what is owed, and, preferably, written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: There are multiple inquiries from he following companies - i did not authorize these requests for credit. I'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed: XXXX XXXX,  (2) XXXX,  (4) XXXX XXXX, XXXX XXXX XXXX XXXX (5) XXXX XXXX XXXX, (4) XXXX , (2) XXXX XXXX XXXX XXXX,  XXXX XXXX  XXXX , XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, (3) XXXX XXXX  XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, XXXX XXXX XXXX,  XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,  XXXX XXXX , XXXX XXXX (2) i would like them removed from my credit file

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UBER TECHNOLOGIES INC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hard pull credit without permission

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I sent in a check to Navient to pay off one of the my loans in full. I included a letter with the check and indicated on the check which loan the monies should be applied to. Navient did not apply the monies to the correct loan. The loan does not show it is paid in full. Instead they arbitrarily spread the monies through all ( XXXX ) loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: i have a mortgage loan with Ocwen Loan Servicing. Just received a letter from Ocwen indicating that as of XXXX XXXX, 2015, it will no longer service my loan and that all payment are now to go to XXXX XXXX XXXX. I called Ocwen to ask when i will get a letter from XXXX ( as Federal law requires ) but no one seemed to know what i was talking about. 

Federal law requires that both the old and the new servicer send a letter to the borrower. 
I am filing a complaint because i was told that Ocwen will stop accepting payments as of XXXX XXXX, 2015, but i have not been formally advised that XXXX will accept my payment. 
As you know, because scammers create phony companies and advise lenders to start making payments to them, several years ago congress enacted the law requiring both lenders to send a letter.Legitimate lenders generally send a joint letter ; the letter i receved was only from Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I learned from my identity theft protection service ( XXXX ), of a collections attempt on my credit report. I reviewed the collections attempt. The business responsible for the attempt was XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The amount of collections was for {$25.00}. I immediately called the business at XXXX. I learned this collections was from XX/XX/XXXX when my ex-wife took my child to XXXX XXXX XXXX ( XXXX ). I immediately paid the amount and contacted XXXX and learned my son was seen XX/XX/XXXX to XX/XX/XXXX and there was an outstanding balance with XXXX. I paid the entire balance of {$390.00}. I learned my ex-wife but me down as the guarantor for XXXX. I also learned from XXXX all of the billing information was directed towards my ex-wife 's residence and my address was not on any of the paperwork. I was only listed as the guarantor and my social security number was provided. I disputed the collections with XXXX. Within 1 business day, XXXX agreed with my complaint and removed the collections from my credit report. I further disputed the collection with Equifax. Within 3 business days, Equifax responded by saying " The results are we verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact XXXX XXXX XXXX '' My complaint to XXXX and Equifax was " Unaware ex-wife put my name down as the guarantor in regards to my child 's doctor visits. Bill has been paid in full. '' XXXX understood my complaint and quickly resolved the issue. Equifax is being difficult in this matter. I had no knowledge of these doctors visits. When I became aware of the collections, I immediately contact the business and paid the outstanding balance. I further contacted XXXX and paid the entire amount. My ex-wife using my information will be handled in a different forum. I pride myself on perfect credit and Equifax is being difficult and not understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was accepted to start on a Modified Payment Plan in XXXX XXXX. Originally paying {$730.00} per month, I agreed to pay {$190.00} per month ( for 6 months ) with XXXX on this new payment plan. I was told by MULTIPLE representatives that they had deleted my bank account information and would not be automatically withdrawing. On XXXX/XXXX/XXXX, they withdrew the {$730.00} from my account. This put me behind for months of bills and I had to pay for some of my monthly bills on my credit card. After paying for my car insurance that month on my credit card, I was charged an additional {$15.00} for using a credit card in which I am still waiting for XXXX to refund. After a month of constant obstacles, I was finally refunded. XXXX XXXX XXXX, I receive a call from a representative saying their system is going to be withdrawing an additional {$110.00} that could n't be adjusted internally within the company -- so they were just giving me a heads up. They said that they would be monitoring my account personally from month to month so that this would not happen again. They told me I had to scan a copy of my bank statements to show that the additional charges were successfully withdrawn from my account and that I had to send an email stating I would not contest charges with my bank. They stated that they would expedite the refund. I sent them the documentations on XXXX XXXX, XXXX and still have not received my refund. I called the supervisor I had been in contact with and asked for her supervisor, left a voicemail for her on XXXX/XXXX/XXXX, was told I would receive a call back within 24-48 hours but never did. XXXX XXXX, XXXX they again withdraw ANOTHER {$110.00} from my bank account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I initiated a re-investigation as is my legal right with Experian on information that they had failed to properly investigate. In direct violation of FCR A 611 ( 3 ) ( A ) - ( C ) [ 15 U.S.S. 1681i ], they determ ined the information as frivolous even though I had requested investigation of some different and very specific aspects of the records ( for example, due to their previous reply that they had not actually investigated the public record but instead simply went to another company to get information and not to the actual reporting body ) that was not presented when I previously disputed the information. Experian 's CONTINUED unwillingness to comply with my rights under the FCRA for information is causing me undue hardship, loss of opportunities for housing and is costing me actual monetary damages via higher interest rates, insurance rates and fees based on unverified and unvalidated information.     ADDITIONALLY, Experian has continually violated F CRA 606 ( 3 ) [ [ 15 U.S.C. 1681d ] in that  they have furnished an investigative consumer report containing a public record that has not been verified for accuracy of the information within a 30-day period ending on the date on which the report was furnished.     ADDITIONALLY, Experian has made applicable FCR A 616 ( a ) - ( d ) [ 15 U.S.C. 1681n ] Civil Liabality f or willful noncompliance. I am sharing the contents of this complaint with my attorney to decide on how to proceed to obtain damages from Experian unless this matter is satisfactorily resolved.

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 08-04-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have over XXXX inquiries on my Equifax credit report. 
unauthorized use of my name

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to XXXX, a bill has been sent for collection, The bill was for an XXXX service that I never asked for, received, or paid. The case ( XXXX ) was filed with the Court Clerk, XXXX XXXX County, IL XXXX and dismissed for lack of evidence. A copy of the court transcript if attached. This bill never seems to die. It bounces from one collection agency to another even though the case is closed. My XXXX dropped almost XXXX points recently because this false bill was sold to another collection agency. I 'd like the error fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company is trying to collect a false debt. Document was sent but appears to be false. I checked my credit report and it is not listed on credit report. Also, never had such an account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. XXXX XXXX was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - TransUnion and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with XXXX XXXX regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue XXXX XXXX and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how XXXX XXXX was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?

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 08-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Can't contact lender or servicer

Complaint: Did n't work for a week now I ca n't borrow from XXXX XXXX until my bank sends some information to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  three  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down my credit score. I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized 100 times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue   XXXX   of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i sent fedloan a letter with good humanity spirit of letting them know that i have paid them since XXXX weeks after i graduated with XXXX XXXX ; my daughter XXXX is in college ; i know i have to pay her parent plus loan when she is done in XXXX XXXX, my other daughter did n't do well at her college and got kicked out ; well i asked fedloan in a letter to consolidate the interest, my loans and parent plus loan in a bill that i can afford ; like {$150.00} to {$190.00} or {$200.00} ; they sent me a {$500.00} bill ; i sent another note saying this is too high I sent {$150.00} with the bill ; on thursday XXXX XXXX they sent me a bill for {$730.00} ; I sent {$190.00} with the bill ; i need help ; what road to i take as a single mom that is divorce and have a passion for education and teaching my daughters the same ; i am trying to get a place of my own again and not have my credit destroyed ; they are threatening to send me to a credit bureau as a red flag for no reason. i have other bills that are important and i make XXXX a year ; please help assist me please consumer finance gov

Company response to consumer: Closed with explanation