milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: an account was fraudulenty placed on my credit file by XXXX. Below is the account information i have requested a proper verification several times from XXXX to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me. XXXX XXXX - ACCT # XXXX DATE OPENED XX/XX/2016 BALANCE {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a debt on my credit that doesnt belong to me and I believe it was an act of fraud. 
Date opened ; XX/XX/XXXX First reported ; XX/XX/XXXX Date of status ; XX/XX/XXXX Original Creditor ; XXXX XXXX XXXX Amount due ; {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting negatively on my credit report XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. 
Account # 1 {$280.00} Balance XXXX XXXX Original Creditor {$280.00} High Balance XXXX XXXX, 2016 Opened Date XXXX XXXX, 2016 Last Reported Individual Responsibility Placed for collection Remarks Note I would like the items removed from my credit report, updated bill notifications, and payments reported correctly to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (LA).
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 tried to set up an account on creditkarma. I was unable to. Because someone already set up an account. Using my personal info. Please something has to be done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Was told debt sold to XXXX and agreed to pay as long as would be deleted from my credit report and they agreed and when paid and called to see status they said original creditor would need to delete from report and they couldnt help then original creditor says they cant help because they sold debt Im going in circles. These two accounts are paid and are to be deleted as stated by XXXX. XXXX XXXX   a # XXXX XXXX XXXX a # 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 02/16/2017 about Mortgage (Conventional fixed mortgage) with Home Point Financial Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company is not paying the taxes from escrow on time. 
1 ) They did not process the payments to tax authorities on time or they sent wrong amounts. 
2 ) Even after multiple phone calls and escalations the problem persists. 
3 ) They deducted the penalties from my escrow account although it is there mistake. 
4 ) Now one of the taxes have gone into Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Service of Nevada (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: In the spring of 2016 I reached out to credit agencies including Collection Service of Nevada as I decided to work on paying off my bills. I updated my information with them of both my home address and my work address. I told them that they were free to contact me at my home address. 

They served me a lawsuit for small claims court at my work address. I paid the default judgement off within a week of the default judgement being awarded. I asked them not to contact me anymore since I had no more business with them ( because the debt had been paid off ). 

They just mailed me a document they submitted to the court that I had paid off the balance of account, but they mailed it to my work address, even though I asked that ALL correspondence be sent to my home address when I talked to them last spring. 

The return address is clearly visible to my employer and staff of the office I work at. Also, it is the policy of our office to have staff open the mail before it is delivered. 

Because I have asked multiple times for them to send me correspondence to my home address and not to contact me at work, and because they have repeatedly ignored this request from me, I make this complaint with the Consumer Financial Protection Bureau.

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 10/30/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: I was cheated out of my home while I was in bankruptcy. Wells Fargo Home Mortgage defrauded and bullied me in to 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 12/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I placed an order with XXXX XXXX XXXX online ordering for an animal planet playset in the amount of {$3500.00}. The amount was pending and as it shipped on XX/XX/XXXX was cleared and taken out of the account. Their was a problem with the delivery service and package was said to have been delivered XXXX but it was not at my home. I called the online phone number and the person was going to cancel the order and I was going to repurchase the same item. This " second '' order never took place and my information was not entered into any system to reorder it. After that phone call I called payment center and noticed that another amount of {$35.00} was not available in the balance I had on the card. I called the next day because the package did show up but it was late and the delivery service was contacted as well. I was on the phone for almost 2 hours with a rep trying to figure out why I had a pending transaction with no order. She told me in 3-5 days it should drop and be resolved. Well I checked after 5 days and no change. This was XX/XX/XXXX. I called them again and was told to give it a week because this person was going to try to cancel it as well. Well no change yet again and I called again .... and this time they said it would be resolved in 7 days but again was not. I called XX/XX/XXXX and was extremely angry about this and was said that because of the trouble they would resolve this by refunding me the amount {$35.00} and it would be all taken care of in 5-7 days. Today I called to check if everything was all set and I got charged another {$10.00} when I have n't used my card since XX/XX/XXXX for the original purchase. I have an email confirmation of the original order and a complaint I emailed to the delivery service that the package did not arrive on time. I also have reference numbers for the conversations I 've had with XXXX XXXX XXXX costumer service line. I was told by a manager to call my bank. I did however call the credit service and they said I did not have an additional charge and I was told because it was a hold not a charge by customer service line.

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 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the past three months, I have been forced by my student loan servicer, Navient, to make a {$50.00} payment ( each month ) on a loan that I had recently paid off in full ( on XXXX/XXXX/16 ). The reason why I am paying each month is because I missed one payment and it significantly lowered my credit score ( which I work very hard to keep up ). I missed that one payment because Navient added the loan back on to my account WITHOUT notifying me. It is important to note here, that I have ALWAYS been enrolled in auto debit. The auto debit on this particular loan was CANCELLED due to the fact that I had previously paid it off in full ( I have the documents sent from Navient to prove this ). I called Navient multiple times ( wasted hours on the phone with many different representatives ) trying to get to the bottom of why a loan was still listed on my account ( as well as still accruing interest! ) when I had already paid it off. I was told that there had been a " payment reversal '' and that I should check with my bank. Having checked with my bank, ( I even uploaded pictures of my bank statements to Navient ) I tried to explain that clearly there was never any " reversal ''. I never got any money back. What was even stranger, was that there are a whole bunch of payments and reversals listed on my account that I had never been a part of! Navient claims that I was given back roughly {$7000.00} and had paid around {$12000.00}. I told one rep that I had done no such thing and asked him to explain all of that to me and he told me that the payment was paid to a loan that we both agreed was not even one of my loans listed! With that being said, nothing could get done about it. Each time I called, they told me that " it was being investigated ''. It has been three months now! How many more months do I have to keep paying for a loan that I already paid off?! It does n't sound like anyone at Navient is looking into my account and I am very nervous about all the money being moved around when I am not even touching it. I work hard to save my money up so that I can make a large payment every now and then ( that seems to be the only way that I am able to make a dent in my balance ) but, I am too scared to make any more payments on my loans because of this issue repeating itself! I really want to finish paying off the rest of my loans as soon as I can. I find it incredibly frustrating that I have reached out several times to Navient about this and all they want is the {$50.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( transunion ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.

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 02/18/2017 about Debt collection (Medical) with Revenue Assurance Professionals LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection has been paid in full, but it is still showing on my credit report. I would like for Consolidate Recovery Systems to remove the account as agreed. 


CONS REC SYS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Original Amount : {$100000.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Pay Status XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There was an error on my employer 's behalf with submitting tax documents.

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 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed inaccurate personal information and inaccurate accounts on my credit file with Experian. They will not provide me with method of verification per FCRA Section 611 ( a ) ( 7 ). They just tell me in a letter " verified, '' which under the FCRA is not sufficient. They continue to ignore my requests and are not completing the requirements per FCRA to furnish such records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to " XXXX '' a XXXX agency/company which sense it to the all three credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 4 years my mortgage company Ocwen Loan Servicing LLC has been sending me notices for escrow shortages. I always pay the escrow shortages to avoid a change in my mortgage payment amount. They send me notices stating that if I pay the escrow shortage my payment will remain the same, if I do n't my payment will be a higher amount. After I pay the escrow shortage they are supposed to perform an analysis after receiving the escrow shortage payment that will keep my payment the same without charging me for the escrow shortage ; however this is NEVER done. They in turn, automatically take out a higher amount for 2 or 3 months until I call and call and call regarding their mistake. THEN they make me wait 30-60 days before correcting the problem, but they never refund me the extra money they took, even though I paid the escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company  XXXX   XXXX   XXXX   XXXX    XXXX  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement ( attached ) d ated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the ex ecuted Loan m odification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously in correct. ( See attac hment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Without notifying me, BBVA Compass closed both of my accounts and withheld the funds previously contained therein. I later learned that they had done so based on derogatory information received from XXXX XXXX. BBVA Compass did not provide any notice as to their use of this information. 
BBVA Compass also held and restricted my access to the funds taken from the closed accounts without notifying me. BBVA Compass would have held the funds indefinitely if I had not acted in a way so as to regain control of them.

Company response to consumer: Closed with explanation