milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On    XXXX   XXXX   2016 m ailed  3 forms to all  XXXX  bureaus Experia n  XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2 forms of ID and a Utility bill. I have reviewed my credit report and found informatio n and accounts that I do not recognize that may be a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting  Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it ) you have on file of the account ( s ) listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately .   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UNVERIFIED BANKRUPTCY   XXXX   XXXX   XXXX   XXXX    UNVERIFIED BANKRUPTCY  I have not received any corresponding mail from Experian or  XXXX  regarding my request to To verify That these accounts belong to me.

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 04/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2011 the law showed up and our home to evict us due to foreclosure, along with my children one week before XXXX. We had fought with Bank of America for 1.5 yrs, trying to resolve when my husband and I both lost our home, we even had payoff which Bank of America refused, why, because the mortgage was wrote off and the sell of my home was profit only for Bank of America. We were told we would receive the paperwork we needed to sign and return so keep our home within two weeks, they came and went no paperwork, we called again withint two weeks, this went on and on. Needless to say we lost the home in which i grew up in and my children grew up in a house i had paid off XXXX mortgages for. Not only did Bank of America force us into Insurance that raised my payment from {$640.00} to {$1100.00} per month, they lied and would call us XXXX or more times a day or their machines would call us. We went to the debt counselors required of us and they to said we could keep our home if we followed instructions which we did to no avail. So, in the settlement we got a grand total of around {$800.00}, which was nothing more than an insult. We moved into a house which by all rights should have been condemned, we stayed there as long as we could getting together the money to move, we now live in a place that at best is barely standing, i have elderly family ( father ) that i have to stay close to. I hope anyone reading this never uses Bank of America, my husband and i both work and do not receive government assistance in any form. Yet, we have lost everything, there was nothing then nor now to help us recoup anything we lost, our credit our home was stripped by Bank of America while they gave themselves million dollar bonuses with the money i work and pay into taxes. Yet, no one was there to bail my family out. I know just in my area there were several that went through the same problems my family did. So much for the American Dream!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: APR or interest rate

Complaint: I am having this American express account for like XXXX years I keep on making my payments and the balance is not getting any lower they charge an APR of 25 % which is outrageous. 

I never missed a single payment ever I was the one who closed the account not they.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to the new credit reporting rules, any medical debt that has been paid must be removed promptly from your credit report. Equifax is failing to comply with this new rule even though I sent them supporting documentation. 

The new rules I 'm referring to can be found on the following reputable source links XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: I am located in Georgia and our area was declared a Disaster Area. My mortgage company, Wells Fargo sent out a letter stating that since we were in a disaster area that payments would be suspended for three months and no late fees or negative credit reporting would be done during this period. This applied to home loans and Equity lines of credit, which I have both. The letter did not state that at the end of the three months you would be required to make all of the payments at once and all late fees would accrue. The letter was very vague and misleading. Now I am receiving a notice that my mortgage is in default. How can this be possible? How is someone expected to make 3 months worth of payments as once when they were having trouble making the regular monthly payment because of extra expenses from the disaster? It would have been easier to try and come up with the regular monthly payment. 

In researching I am not the only Wells Fargo customer who has experienced this problem. I ask you help in resolving this matter, not only for myself but for the others who have been affected and are now in jeopardy of default.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX I applied online for a XXXX Credit Card. On that same day XXXX Bank did a hard inquiry on my Equifax credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my Equifax report that my application would not be processed. I had also received a letter from Equifax stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my Equifax report and will only consider my application if I allow another hard inquiry. Equifax will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next XXXX years and I got no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO RECOVERY XXXX, VA XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A or any company associate with this account # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX, XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I reviewed my credit report, and notice that AFNI was reporting a collection account that did not belong to me. I initially reach out to AFNI requesting this account be removed or proof that this account belongs to me. Instead AFNI sent me a computer print out with someone else name on the documents. I later followed up with two more letters requesting this alleged debt be removed from my credit report or proof that it belong to me. I have not received any documents showing this debt belong to me and the collection account is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: In the XX/XX/XXXX XXXX representatives from US Bank came to my store to sell me a credit card machine. When asked, I showed them the terms of my current machine. They told me they could beat the service and price. The name of the ladies are on the documentation that I am attaching. A week later they had XXXX of their associates call me to tell me that they could n't offer the terms the gave me verbally. I told them to close the account as I was going to stay with what I had. Since that time, I have been sent to XXXX different collection agencies. I have disputed the account in all XXXX cases over the past 4 years. The latest one was in XXXX XXXX, and I just received the response attached XXXX XXXX never hear from the other XXXX collection agencies again after I sent the disputes and assumed that it was resolved. I have attached all of the documentation regarding the XXXX disputes. It seems that US Bank continues to sell the account to different collection agencies after I have disputed it. US Bank is charging me for merchant services I never received. They did not send me a credit card machine, and because I never had a machine, there were never any merchant payments made. I would like this account with US Bank resolved for good. This has caused me a considerable amount of anxiety as I value my credit rating. This has been time consuming each time, and it does n't go away. I do n't want to pay a collection for something I never had. Thank you for you help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have my identity stolen ( actually identity hijacked ) by my former property manager and she filed a bankruptcy in my name to keep houses from going into foreclosure that she fraudulently pulled HELOC 's in my name. I have repeated contacted Equifax about this and they refuse to investigate other than to call the Court to see if a BK was filed in my name. I have a police report, FTC Identity Theft Affidavit, Handwriting expert sworn testimony corroborating my claim and Equifax refuses to remove this error from my credit report. The other XXXX bureau 's have removed this inaccuracy a long time ago. Please help me, I just want them to actually look at this objectively. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-wife and I got a XXXX over 2 years ago and the decree clearly stated that the marital home was to be sold and in no way was she given my interest in the property or was it conveyed that she wild be allowed to stay in the property over the time it took to sell it or 1 year, which ever came XXXX. Additionally my name is on the loan and on the deed and I have not and will not sign over my intertest of the home to her. In the meantime she has applied for a Loss Mitigation Application with the motrgagee, US Bank. They have allowed her to start this process and have accepted payments from her with the knowledge they have viloated the rules and regulations that govern this program. I want this process stopped immediately and the Mitigation process to cease and for her to not be allowed to remain in the former marital home.

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 Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I make my monthly payments on time to Great Lakes, however when I make my extra payments, Great Lakes misapplys these payments. They did this to me 2 times. I made  2 extra pa yments of {$50.00} dollars toward   XXXX   XXXX   on  XXXX  and  XXXX . Both payments got misapplied even though I provided Great Lakes with instructions in a certified letter on how to apply the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We are trying to get help from USBank by modification of our loan. We have been asking for help and we have been sending in a lot of paperwork that they asked for, but all the do is pick it a part. We have been trying for over three months to get them the paperwork they want, but there is always something wrong. They wanted XXXX pay check stubs which we gave them and then they say, how do we know that there was a pay check under the pay check stub. Sent them bank statements right from our bank and it 's never what they want. The agent at our bank said that she does n't know what else to send them. It 's been three months now and we have given up, they won, all we can do now is walk away and give them our home. We have never missed any house payments anywhere in 45 years, but they wo n't work with us and they keep playing these games. It does n't make any sense to continue to make mortgage payments, it would be just a waste of our money. I am XXXX years old and never had these problem before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Billing statement

Complaint: I wanted to report a SYSTEMIC DECEITFUL PRACTICE OF TD CREDIT CARD SERVICES. While a majority of the credit card companies out there, send you alerts before the payment is due, TD CARD SERVICES DOES NOT SEND ALERTS BEFORE PAYMENTS ARE DUE BY EMAIL ( THEY DO N'T ALLOW EMAIL ALERTS, FIRST PROBLEM, THEY DO IT ON PURPOSE TO MAKE PEOPLE LATE ON THEIR PAYMENTS ) ; BUT EVEN WHEN YOU GO ON THEIR WEBSITE TO SET ALERTS ( WHICH IT SELF IS A COMPLICATED PROCESS, WITH ALL SORTS OF MATHEMATICAL OPERATIONS, AT LEAST TO THE LAY PERSON ), THEY GO BACK IN THERE, AND DELETE ALL THE ALERTS YOU SET UP. SO IN EFFECT, TD CREDIT CARDS DELETES ALL THE ALERTS YOU SET UP ON YOUR TD ACCOUNT ( ON THEIR WEBSITE ), INCLUDING PAYMENT DUE DATE ALERTS, TO DELIBERATELY MAKE PEOPLE LATE ON THEIR PAYMENTS. I RECEIVE ALERTS FROM EVERY OTHER CREDIT CARD COMPANY A FEW DAYS BEFORE MY PAYMENT IS DUE, EXCEPT FROM TD CARDS ; THEY PURPOSELY REFUSE TO SEND OUT ALERTS, THEY SAY THEY ALLOW YOU TO SET IT UP ; BUT WHEN YOU SET IT UP, WITHOUT YOUR PERMISSION, THEY GO INTO YOUR ACCOUNT AND DELETE THOSE ALERTS, BECAUSE THAT 'S WHAT HAPPENED TO ME ( I REMEMBER SETTING IT UP, THEN HAVING IT DISAPPEAR, I 'M ASSUMING, THEY 'VE DONE IT ON PURPOSE, BECAUSE IT SEEMS CONSISTENT WITH THEIR OVERALL BUSINESS PRACTICE, BUT NEEDS TO BE INVESTIGATED FROM YOUR PART TO MAKE SURE, IT 'S NOT AN ISOLATED INCIDENT ). I HAVE LOST HUNDREDS OF DOLLARS, BECAUSE I GET NO CORRESPONDENCE FROM TD BANK AS TO WHEN MY PAYMENTS ARE DUE! I AM NOT SURE HOW THIS CORRUPT COMPANY IS ALLOWED TO OPERATE IN AMERICA, BUT THEY NEED TO BE HELD RESPONSIBLE FOR THEIR WRONGS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with I.C. System, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A dr bill submit ted for collections from  XXXX ,  XXXX . I appealed this bill wit h   XXXX   si nce I do not owe this mone y.   XXXX   initial  response is that I owe the bill, but I have the right to appeal for further reconsideration which I did with  XXXX  on  XXXX   XXXX ,  XXXX . My reconsider was accepted and This bill is now under a reconsideration appeal with  XXXX  and until it is resolved, all collections must be halted. I notified IC that   XXXX   has accepted my reconsideration appeal and they are in process of making a determination as to whether I owe this bill. I Notified IC Systems many times about the appeal and asked them to please not file with credit bureau any negative information about this bill, until this bill is resolve d with     XXXX   as to whether I owe it. ( letter attached, sent in additio nal to all the phone calls ).  XXXX   XXXX ,  XXXX  I received a response to my many calls via letter continuing to threatening me and disregarding the fact that this bill is in reconsideration appeal wit h   XXXX  Please note what the letter states ( I have attached a copy ) : " IC Systems sends a weekly electronic file to credit reporting agencies listing debts that are unresolved and unpaid 45 days after IC began collection efforts. '' " Your dispute has been noted and information verifying the debt is attached to this letter ''. Also note that they attached a payment stub for me to pay this bill even though they have full knowledge of the appeal. I consider this letter a threat.   This company is deliberately disregarding my appeal information which was sent to them. They are threatening me with credit bureau even though at this point it is unresolved by   XXXX   as to whether I owe this bill.   I called IC on  XXXX   XXXX  to again state that this bill is under Appeal and I was told I would be faxed some information about what actions they will take, which has never been faxed.   The bill owed is {$110.00} and I am elderly o n   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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.

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