milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. I used to be XXXX XXXX. This was my married name. It shows on my report that XXXX XXXX is a name I used which is incorrect. It also shows I have worked at XXXX XXXX XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter XXXX and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.

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

Complaint: Equifax - X/X/2017 This is in response to the Equifax data leak which was announced on X/X/2017, which exposed millions of Americans ' sensitive data to hackers. I have placed a 90-day fraud alert on my credit file. Equifax 's delay of several months in notifying its clients and its utterly poor response to this massive leak is troubling to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I have an existing credit account with Guitar Center, which was originally serviced by XXXX XXXX. On XXXX, 2015 it was announced a new deal with Synchrony Financial was signed. During the months of XXXX, XXXX and XXXX, I received no statements from XXXX XXXX. On XXXX XXXX, 2015 I received a statement from the new provider Synchrony Financial which had XXXX late charges assessed. When I called Synchrony they did offer to remove XXXX late charge, but resisted removing the other stating that fee was not assessed by them but XXXX XXXX. I 'm filing this compliant against both companies to resolve the issue and to remove any blemishes on my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX university online based out of XXXX, florida which is now closed I believe. I have XXXX loans through university accounting services or UAS, which was formerly XXXX. XXXX of the loans was reduced due to school being bought, filing bankruptcy and the other never was. im being told and I think that I should not be held responsible and have to pay for these loans and have them reported to my and cosigners credit as my degree is not considered valid and I can not or have not obtained a job in the field I so called graduated in. please help. I also have my federal loans deferred while waiting on the courts decisions on loans being discharged due to the school being a horrible school and no validity with the degree or classes I took.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has been reporting and continues to report Account XXXX with XXXX XXXX XXXX as an open collections account even though this has been paid in full and should be removed from default status. I have disputed this fact on numerous occasions with Equifax and they have " verified '' information as accurate. I have attached a letter from XXXX XXXX XXXX on their letterhead stating the paid in full balance, removal from default status, closure of account, and statement dates. Equifax is reporting false information though we have provided facts to support our case.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Bank Of America increased my interest rate on my credit card from 10.24 % to 11.24 % during my last billing cycle with no notification to me as the consumer of a rate increase. This account has been open and in good standing for over 7 years with no change in interest rate or credit limits until this last billing cycle. During attempts to resolve with Bank of America they confirmed that no correspondence was sent to me as required by federal law to notify the consumer within 45 days of any rate changes. Despite Bank of America 's admittance that no notification was given prior to increasing the interest rate, they continued to refuse any resolution.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull 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 03/22/2018 about Debt collection (Other debt) with N.A.R., Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: NOTIFIED NAR over the phone I I would be sending first an affadavit letter by certified mail with RETURN receipt and then a followup letter including my police report to show the XXXX account was closed due to fraud. Under federal law I am within my rights to exercise my FCRA and FDCPA rights under the section of the federal Bill of rights and fraud rights of Identity theft under federal law. They sent a letter back violating my rights stating my affidavit was frivolous with a screenshot of a computer image. Now I am requesting for the CFPB to get involved during this dispute process with NAR. For each violation I plan to file a new claim with the CFPB for each occurrence including but not limited to litigation if deemed necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: for several years I tried to refinance my home. ( which I have been in for over twenty years. this is a mobile home, myself and wife are both XXXX, we also have a adopted son which is XXXX. every time we sent in paper work there was always something else they needed are they say they did n't get it? we sent certified mail?? now we have been fourclosed on and are living in a travel trailer. select port folio is a doing this to all there customers, and XXXX XXXX XXXX XXXX XXXX XXXX is backing them up. after being put out they have my home up for sale for less than 20 thousand dollars, yet said I was still liable for XXXX? this company has complaint after complaint made against them and they still seem to get away with ripping people off and taking there homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I recently paid off home loan due to re-fi. with other lender XX/XX/2016. I over paid on escrow account. I received a letter from Di tech advise of over payment and that I would receive a hard copy of refund check in mail with in 20 days. I never received this check I called DItech customer service center twice in month of XX/XX/XXXX. I was told that I would have wait 30 days to have them reissue check. I called in XX/XX/2016 advised that I still have not received over payment of escrow check. I asked for supervisor to complain was told that Ditech would reissue another check within XXXX business hours. It is now XX/XX/2016 and I still have not received this escrow refund check for over payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Billing disputes

Complaint: i purchased a snow blower this winter at walmart.com, and was told to pick it up at the walmart at XXXX in XXXX. i went to the walmart to pick it up, with a copy of the reciept but was not allowed to get it. i went to complain to the manager, and i was asked to leave the store. i complained by phone and by email, and asked for my money to be refunded. i was charged interest on the purchace and my credit was damaged, i NEVER got the item, but they are charging me interest on it. i would like to clear this up, but i need the interest to be removed, and all the interest that has accrued durring the time they have refused to straighten this out., my name is XXXX XXXX, i have been hospitalized and sick since XX/XX/XXXX.i am on federal XXXX. i am stayinhg with my parents recvering : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I asked for a dispute on XXXX for XXXX XXXX XXXX of Deed about a tax lien placed on my credit report. I called the number listed and it was the wrong number, I found the XXXX XXXX XXXX of Deed office and they did not have a tax lien against me. I gave that information to Experian and they refuse to remove the item, nor did they follow up on the information. I again am trying to dispute this item and they refuse my dispute. The same information was given to XXXX and XXXX and they verified and remove the line item on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company agreed to delete the account but keeps sending me letters requesting payment

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 09/13/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have declared bankruptcy and Caliber has posted my home for Sherrifs sale twice during this period without requesting relief to do so. Please see the attached letter from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX XXXX an underwriter for the XXXX XXXX XXXX XXXX XXXX, on behalf of our Client XXXX XXXX on his foreclosure case and in addition helping him to obtain a Tier 2 modification of mortgage since XX/XX/XXXX. We had provided a total of five complete loss mitigation packages to this terrible servicer. The first package was fax on XX/XX/XXXX, second XX/XX/XXXX, third, XX/XX/XXXX, fourth, XX/XX/XXXX and Fifth XX/XX/XXXX. Ditech listed as one of the most deceitful servicer in the Country not once has send a correspondence to this office. On XX/XX/XXXX I called Ditech and talked to a Customer Relations Manager XXXX Id # XXXX, hope he exits and he advised me that nothing has been look in these two years by Ditech. As a ex-underwriter for XXXX, I told XXXX that Ditech had violated RESPA 1024.41, since I presented this file before XX/XX/XXXX, they had violated this law. He advised me that a letter went out to the customer on XX/XX/XXXX informing XXXX XXXX he did not qualified for any loss mitigation option. My answer to XXXX was you generate those letter anytime you want and send them to the customers, without reviewing any files been sent for loss mitigation review, but your institution to bill the Treasury. XXXX XXXX who confirm also he had worked in the pass for XXXX, agreed with my statements. Servicer do generate letters at any time to cover themselves, they brake the law all the time, they lie, and they mislead the government and Americans. This is a XXXX XXXX Loan they should do better than this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process. 

I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}. 

I have never contracted with XXXX for anything. 

XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework. 

I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland. 

I have never lived in Maryland. 

One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country. 

This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating. 

Are there not laws stipulating specific legal protocol for businesses to follow???

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: Account # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX MD XXXX This new Complaint is a rebuttal to CFPB Complaint # XXXX. The lies Wells Fargo told, consistent with its corporate culture of fraud, lies and deception. 
With respect to Complaint # XXXX, I stated that Wells Fargo wrote and called me after it acquired this account from Wachovia. WF claimed that I owed them. i disputed it. During our discussion, I agreed to be making provisional payments while they researched my claim. I agreed to be paying to avoid them injuring my credit. They stopped collecting, hired a lawyer and threatened foreclosure. Did CFPB ask Wells Fargo why it stopped collecting payments and hired a lawyer? This is WF 's modus operandi in forcefully taking people 's property. They do n't mind paying lawyers and adding it to the loan balance to make it impossible for borrowers to pay the loan. Second, WF wrote me a Default Letter on XX/XX/XXXXthat I was owing {$8800.00} on the loan. On XX/XX/XXXX, WF wrote me a Default Letter that I was owing {$59000.00}, which their lawyers said the new balance is {$62000.00}, as of XX/XX/XXXX. You see how the loan went from {$8800.00}. A week before WF sent this response, their lawyers wrote me that they were proceeding with foreclosure without waiting for WF to resolve the Complaint or file its response with you. Now what did CFPB accomplish other than sending a ton of documents to make you think they are cooperating? I expected, and I 'm still expecting, CFPB to instruct WF to explain how the balance went from {$8800.00} to {$62000.00} and why it Wells Fargo stopped collecting payments, as agreed, and hired lawyers to begin foreclosure.

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 07-12-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage Company has continued to inaccurately process payments to my mortgage account over a period of time. I have exhausted myself calling and reviewing the account with several different agents and to no resolve. On XXXX XXXX, XXXX I spoke with a supervisor regarding the matter because I was promised a refund check due to an escrow overage. He stated the first agent did not process the request accurately, and he was mailing it today and assured me by giving me a tracking number of an arrival date : XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX and I have an agent from Nationstar on the phone-line via USA ( UNITED STATES OF AMERICA ), whom stated it never happened! At no time did I request Nationstar Mortgage to wright and void a check in my name, virtually returning the funds back into the escrow account. 

This matter goes further back to XXXX of XXXX, a payment in the amount of XXXX was received by Nationstar, on my behalf. I requested them to apply to mortgage six months out, so I would have no mortgage payments until XXXX XXXX. Upon agreeing to these terms and conditions, they removed my six month options and demanded payment on XXXX XXXX, XXXX. 
Furthermore, after back and forth with their representatives to correct the problem I paid the mortgages late for XXXX XXXX and XXXX XXXX. 
This is a shame!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Other mortgage) with Altisource Portfolio Solutions, S.à r.l. (WV).
Issue: Loan modification,collection,foreclosure

Complaint: Recently Altisource XXXX XXXX XXXX has pasted another of these inspection sticker on the front door of a dwelling I have been squatting in for over a year and a half! first time they took all in the house and put it in the center of each room and destroyed the front door lock in addition! I need you to give them a cease and desist order as they are a scam! And as I am a squatter I can not give the exact location just it is XXXX XXXX. thank you 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 04/25/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm asking you to please investigate Equifax credit reporting agency I have sent them countless dispute letter via certified mail asking them to please send me copies of of any of the original documentation required under the section 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) a consumer contract with my signature on it and Section 611 ( 5 ) A ) OF THE FCRA they are required to promptly delete all infoation which they can not be verified the law iis very clear as to the civil liability Equifax has updated all the account that I requested This is a federal crime and Equifax is in serious Violation I 'm giving them the chance to send me the required documents or else I will file suit ... .. I asked if you could please ask Equifax to fax over the req documents as I requested OF THEM!! 
XXXX XXXX ACCOUNT WITH DIFFERENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX ACCOUNT XXXX ALL NONE ACCOUNTS HOLDING INQUIRES OVER 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: My daughter asked me to co-sign an auto lease. I was informed that both the dealership, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX and the leasing company would be doing inquiries on my credit report. I do n't object to the inquiry by the leasing company since I have a contractual relationship with them. There is no similar relationship with the dealer, who is an agent of the leasing company. Consequently, I object to them requiring a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX NOT MINE, No proof of debt- University XXXX No Proof of debt- XXXX NOT MINE, No proof of debt XXXX NOT MINE- XXXX WRONG. Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1: USC 1692g Sec 809 (b) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for "legalization" via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX KY accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.

Company response to consumer: Closed with non-monetary relief