milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I bought a manufactured home from XXXX XXXX XXXX.Veteran Housing Program : This Account was established in XXXX XXXX it was supposed to be a Veteran Housing Program, but I think it was just a scam to cash in on homeless veterans. Per our agreement, we were able to voluntarily surrender this manufactured home without negative consequences if for any reason I could n't make the payments. Now it 's showing 2 months passed due, but there was never an attempt to collect this debt. I spoke with XXXX in the Financing Dept. at XXXX XXXX XXXX ( XXXX ) XXXX and she stated that " this account should n't show a pass due balance and nothing is owed on this account '' and because of this I am being denied housing. I requested a letter regarding this fact and she declined stating that " we do n't give out letters like that '' If you look at my credit report you will notice that this account was not reported until I exercised my option to voluntarily surrender, this account should have been reported when we opened the account but was never reported until XX/XX/XXXX, I paid on time until the day I surrendered and I never received any credit for the payment history. Also if you notice my credit report does n't reflect the purchase of real estate ever! Please re-investigate and correct or remove this erroneous error and update my credit file.I surrendered the home because I cound n't get refinancing after 2 years, because of the land it was on. That is the only reason, I loved that house and put in about {$25000.00} into the landscaping and up keep. I also have the the original receipts for payments that reconciled the account, which brought me to current when I left the property. 
XXXX in the finance department and I discussed this at that time and agreed on a exit property date. I made that date and made the payments. I know that there are consequences when one does not fullfil a contractual agreement. It was like a double edged sword, it was also used as a 1 ) benefit and 2 ) sale leverage for purchasing power, that one of your top sales people offered. I understand that I was ignorant going into this deal but that 's no excuse. I really thought this was a XXXX American Veteran Housing Program, so I believed everything that was told to me. If you will please get someone to update my credit report to show current.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is the second time in two weeks that I am reporting Sallie Mae for their actions and complete disregard of my rights as a consumer to make decisions for my finances as needed. After multiple rounds of misinformation by Sallie Mae staff, at all levels, and a failed attempt at a loan modification with them ( mind you my XXXX payments, for which I owe a lot more than Sallie Mae, are {$12.00} ) they proceeded to add my account on " disaster forbearance '' without my permission under the pretense of " courtesy '' when we all know they are just trying to make sure that my account do not go past due because I nor my cosigner ( a XXXX patient ) can make {$440.00} payments every month. Please someone do something. My next stop will be Senator XXXX 's Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Regarding Pinnacle collection services. They state that I owe  XXXX  {$40.00} fr om 2013. I  have never had an account with  XXXX . The amount is petty. I have more than enough money to pay the {$40.00} but why would I pay someo ne one cent  of my money if I do n't owe it?     What are the details of the alleged debt? Cell phone? Home phone? If so, why such a small dollar amount???? Does  XXXX  have any other records showing a history of payments or me doing business with them? I do n't think so because I have never had this account in question.     It 's not fair that they can add this to my credit file without substantiating the account.     Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but transunion stated that in fact is not the case. Nothing else has changed on my ( transunion ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion NA via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX 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 01/13/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Prerecorded messages that do not state who is calling. 
Prerecorded messages asking for people I do not know Prerecorded messages stating legal action will be taken if I do not call them back. 
When I do call them back they make threats of jail etc, If I do not pay the debt of these people they keep calling for. 

Hang up calls from XXXX, spoofed caller ID numbers as early as XXXX until as late as XXXX. Yes I do have a police report number and some of the calls have been traced by XXXX. 

When we get XXXX illegally run ( illegally due to not following governing laws ) 3rd party old debt collector to stop harassing us about these people whom again we do n't know another one starts calling. 
the process starts all over again as if these unscrupulous debt collectors are working together to harass people. 

The phone number receiving the call is XXXX ... 
The latest calls have been from XXXX. 

XXXX The ROI Companies ( Headquarters ) Phone : ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Struggling to pay mortgage

Complaint: I have been sending the mortgage company document since XX/XX/XXXX and they are constantly asking for the same documents. I feel that they are giving me a hard time. I am trying to save my home so my family can a place live. I have send the same documents on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I just received another package asking for the same documents I sent in XXXX. I have sent the document to their attorneys and mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I now have what I feared developing from my multiple XXXX accounts. Even though I was NOT posted as late, I never was 60 days late and my complaint to you was concerning my inability to contact them to make a payment they posted late payments to my credit files. That said even though I paid off my Mortgage {$50000.00} and a considerable portion of my debt was eliminated and currently XXXX balance on my accounts I have a XXXX credit score. I find this very disturbing that I should be such a credit risk and so low a score. The have literally taken away my ability to do anything! In my opinion an evil farce since the credit bureaus tell me its the lenders who generate the credit scores not them????. I am disturbed that so many " honorable people '' ca n't do a darn thing!!!! To boot I must pay or join to get my credit score- coerced to pay to get the score?

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (Gift card) with U.S. BANCORP (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: My son received a new XXXX gift card for his birthday that is not working, we called XXXX and they say they can not help because my son is not registered on the card?

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 09-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2016 a formal notice of dispute was sent certified mail to Bank of America demanding the validation and verification of an allege loan debt, Bank of America failed to respond. In XXXX of 2016 a second notice was sent demanding validation and verification of an alleged debt, Bank of America failed to validate the debt. in XXXX of 2016 a third notice was sent and Bank of America did not validate nor verify the debt. 

Bank of America is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Bank of America is harassing me, conspiring to defraud me out of my property, and violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Bank of America continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under Frauds and Swindles laws. Bank of America is sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my credit report and noticed Bank of America published negative remarks to all XXXX credit agencies. This is defamation of character and a violation of Fair Credit Report Act

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 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reached out to Experian 8 times now about false information they are reporting in my credit report. Thus far it has been a year and to my dismay nothing has been done- I have not even received a response from them although my notices were sent registered mail. 
The XXXX erroneous entries are referenced below 1. XXXX Account Number XXXX 2. XXXX Account Number XXXX 3. XXXX Account Number XXXX 4. XXXX Account Number XXXX 5. XXXX Account Number 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 04-09-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I can not open a bank account due to the fact the Bank Of America flagged me on XXXX. I have n't been told any specifics expect that fraud might have been suspected, which I did n't commit.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My name is XXXX XXXX, I paid off my car ( XXXX XXXX ) in XXXX and had car loan company sent the report which identify my paid off car loan to 3 major Credit bureau, 2 of them ( XXXX, XXXX ) updated my credit report but XXXX  failed to updated my credit report. the car loan report still show up on XXXX  credit report. since i am apply for home loan and need clear my credit report, i tried contact XXXX and they always said nothing received from my car loan lender. 

pls help me with my problem, it 's very important for me to clear car loan on XXXX  Credit Report Best Regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : Balance {$1200.00} Dear Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX 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 non-monetary relief
Consumer complaint received 09-01-2015 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a call from a person representing PayPal Credit. Was immediately attacked by the representative about the number of voicemails they have left on my phone, at which time I notified her that was impossible as my phone does not have voicemail set up. Which she then acknowledgeed that I was correct. She continued to explain that payment has not been made for XXXX or something to that affect and at XXXX today they would be taking legal action, if I did not make a payment " right now. '' I informed her that my wife handles the account, at which poinnt she stated rather aggressively, " WELL IT DOESN '' T APPEAR ANYONE IS HANDLING THE ACCOUNT! '' I told her if she continued to talk to me in this fashion I would be hanging up, at which point she appeared to be gearing up for another round of attack and I hung up on her. This all occurred at about XXXX on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: A new loan has been created.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had two collections with XXXX XXXX XXXX. They called collecting a debt in early XXXX and they offered a settlement for each of the accounts if I could pay the settlement offer in full. It was also agreed that once the payments were made in full they would remove the negative collection from my credit report. I made the payment and have made several attempt to have it removed from my credit report. They now are stating that they never agreed to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In late XXXX, I got sufficiently behind on a student loan serviced at the time by XXXX XXXX which from being unemployed, however, as soon as I returned to employment I reached out to XXXX XXXX in attempt to address the loan ( current services by Navient Loan number : XXXX Original balance : {$15000.00} Disbursement date : XXXX/XXXX/XXXX Loan balance : {$35000.00} ) and I was transferred to the " collection department '' of XXXX XXXX. I later found out this was not XXXX mea but a firm they outsourced to handle delinquency assets known as XXXX XXXX XXXX. As a result, I made an agreement with XXXX XXXX in good faith that XXXX XXXX, now dba as Navient, would honor the agreement. As a result, my parents and I made a payment in the amount of XXXX on XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & on XXXX/XXXX/XXXX ( on which I had my bank XXXX XXXX XXXX retract the payment because I reached out to XXXX XXXX at the time because I could n't reach XXXX XXXX, and my calls continuously stated the number was disconnected. I look them up on the NY business registration, and they were no longer doing business. I called XXXX XXXX multiple times ( provided the attached documentation & requested they honor the agreement XXXX on XXXX/XXXX/XXXX they then withdraw XXXX from my account ( which I would have my back retract ) because they stated they would n't honor the stated agreement. As a result, XXXX XXXX now dba Navient is stating I owe them over XXXX, which does n't even accounting for the XXXX + I paid their hired collector, and even worse has directed multiple payments, totaling over XXXX dollars, I made to another loan them ( Loan information Loan number : XXXX Original balance : {$7000.00} Disbursement date : XXXX/XXXX/XXXX Current balance XXXX XXXX towards this loan after they told me they would n't honor they agreement made with their collection company XXXX. Furthermore, my previous attempts to contact XXXX XXXX regarding the account, misdirecting payments, previous agreements lead to me being hung up on by representative and managers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiries on my credit report from unknown sources.

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