milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Equifax is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Equifax did not update and correct the report. 
Their investigation was incomplete and they researched the current balance, rather than the payment status. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Equifax delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax has a student loan listed on my credit file that is my sons I am XXXX, it is also past the statute and needs to be removed off of my credit file. Please handle this ASAP XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Application, originator, mortgage broker

Complaint: I made the decision to purchase a home and my realtor suggested PHH Mortgage Broker ; I should have researched the matter but I did not and agreed to use them. They have made the whole process harder than it needs to be and have repeatedly asked for information that had already been provided. The close has been scheduled three times and each time the underwriter has comes back with more requirements. Instead of having an open line of communication it is one way ; the whole process is terrible and while I know things have changed PHH Mortgage is a hard company to deal with that does nothing to help the customer. I reached out to another company, XXXX XXXX and they were much more helpful but unfortunately for me I have only XXXX options walk away from the house XXXX a cash offer is on the table ) or continue with the bad choice of PHH Mortgage. I want to ensure this does not happen to anyone else. Research the mortgage broker/company!

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my house on XXXX XXXX, 2016 using Loan Depot LLC as my mortgage provider. Near the XX/XX/XXXX, I submitted my first payment of {$2100.00} via check to Loan Depot. After I sent the check, and a few days after, I received notification my payment had been purchased by XXXX. My check was cashed as a debit transaction on XXXX/XXXX/2016, and when I called to see why that was the case, nobody on their end had me in the system, nor did they have my address in the system. Despite numerous calls and emails, I have not gotten a response, and my call this morning was actually hung up on mid converstaion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay mortgage

Complaint: I have submitted a previous claim on this issue and the lender, Wells Fargo contacted me and strung me along just long enough for the claim to expire..I believe they are frauduantly trying to take my house by saying they are going to do a loan modification and at the same time as initiating foreclosure proceedings which is commonly known as dual tracking..I have submitted all the paperwork as required by law and they keep delaying by saying they did n't receive them or they have to review them which never leads anywhere.They also told me not to make my payment until the modifiation was completed and I feel that is only to get farther behind and they are delaying me hoping to have the property awarded back to them through 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 11/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX separate occasions with fedloan I was granted a retro forebearance however they have continued to report late payments to all XXXX credit companies which is destroying my credit and making it impossible for me to gain access to lines of credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian on multiple occasions with regards to an unknown XXXX account reporting on my credit file. I have never opened an account with XXXX. Please have Experian remove this account from my credit file. I have informed Experian that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.

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 04-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: American Education Services refuses to delete a negative entry on my credit report even though they were not the legitimate servicer of my loan in XX/XX/XXXX nor were they the granuty of the loan. I have disputed this entry with them over 5 times in 2 years and each time AES comes back with the same old illegal excuse that they were in charge of my loan in XX/XX/XXXX and they continue to make adjustments to the number of days of delinquent payments and make remarks " This loan is permanently assigned to the Government ''. They know exactly what they are doing, this is not necessary because I consolidated my loans in XXXX under the Federal Government program so I could handle my loans more efficiently. They are claiming that they were the servicer of my loan in XX/XX/XXXX, when actually they were not the servicer of my loan. If AES was a servicer it was not listed on anything to verify their status according the XXXX XXXX XXXX XXXX XXXX web site, the government web site that has all the information listed about loans and the amount that is owed. XXXX, who is XXXX XXXX XXXX XXXX was and is the servicer and grantor of the loan in XX/XX/XXXX. So, what gives them the right to continue to report this negative entry on my report. They were listed in XX/XX/XXXX, but I went bankruptcy then, after bankruptcy XXXX were listed as the guaranty of the loan. I spoke to XXXX concerning this AES reporting and the person that I spoke to told me to call them which I did. AES allows customer service personnel to handles credit reporting, someone who does not have skills pertaining to other people 's life. I ask to speak to someone who is Supervisor or XXXX title. The lady I spoke too, XXXX, a Superior, but she did not say what kind of Superior, but her badge no. XXXX, denied that they are still reporting, but they are because as of XXXX/XXXX/XXXX, I received another refusal about deleting this entry or removing the remarks on my credit report from XXXX through email. She said they are only reporting because I filed a complaint, but if I do not complain, that means that everything on my report I agree with and I do not agree with them holding my report hostage when they are not responsible for servicing nor the grantor of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander consumer USA is my auto lender. They have charged me fees that I keep paying and paying. I have not been late on my payments but every months they generate a reason for why they are tagging more fees onto my loan. As of my last payment, I paid every single penny I was told I owed just so that my account can return to normal. Now I went to make payments, even though I 'm not yet due, and they had more fees from nowhere. They are also not willing to speak on the record so there is n't a repeat of this come next month and they are not willing to speak with me. 

I am afraid if this is not kept in check they will find reason to keep generating and adding endless predatory fees onto my account. 

Please I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX and TransUnion are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When viewing my Experian XXXX XXXX, 2017 credit report under : report-summary > account-summary > P3 I see I have a total : 1 open account 15 collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to see my XXXX  account Status : " Negative '' The same page also states " Experian has no closed accounts on file for you as of XXXX XXXX 2017 '' Finally I reach the Account-details Tab Where my XXXX XXXX account is reflecting a 60 day past due payment ; so now I 'm really confused! XXXX never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report Experian reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading. I 'm providing a copy of my XXXX XXXX payment history. Along with my credit report, as I have viewed at Experian.com

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 Debt collection (Medical debt) with Debt Recovery Solutions, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I received a notice from Debt Recovery Solutions , LLC on XXXX/XXXX/XXXX to pay a debt that was included in a bankruptcy some time ago. It began with rude unprofessional phone calls and escalated to written notice. I inquired within about this alleged debt. The feedback I received is attached. Thank you for advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy 's and DSNB AMERICAN EXPRESS issued me a card. This was a single card. The card was used without my knowledge or permission. This was a card that had no activity for years then in two months was maxed out. The company never notified me while it 's sudden use started or took notice some charges were not even in my city. Now, even though it 's XXXX card, XXXX credit deliqencys exist. I have repeated told them it was not me and disputed charges.

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 02-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I disputed a charge on my account that was from a clinic that is running a scam. 
The bank denied my claim without proper research or efforts, because the clinic provided receipts that had " all sales are final ''. 

I filed the charge back claim with the bank for the reason " 53-not as described or defective merchandise ''. 

I gave the bank all that I could with my knowledge of such matters to include : a statement from a witness that showed that I was in pain from the " test injection '' and the drug was not as described nor suitable, print outs of claims and descriptions made about the services I was sold, and an email from the clinic that showed that I had not even received any of the treatments or drugs from them. 

I also provided links to direct them to articles that showed in detail the type of scam these clinics are running. These types of clinics have been prosecuted in other states for doing the exact same thing that was done to me. And there are many articles about it. 

I do not believe the bank is honoring the consumer protections that are common to XXXX debit card holders. I do not believe that they did any research to see that the clinic was indeed fraudulent, deceptive, and that the product was not as advertised. 

They denied my claim because they did not want to make an effort to research the incident. 

Furthermore, I had called several times getting different directions from each person I had talked to. I had made efforts to get documents faxed over to them. They never responded to my faxes and I kept having to call to find out what actions they were taking. 

After hours of time and several phone calls, I finally talked to a manager that kept saying that it did not matter how long I talked he wasn't going to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In 2014, my credit card number was hacked and used to apply an illegal charge to my account. When I reported the charge to XXXX XXXX, they removed the illegal charge and canceled my card so it could n't be used again. They also said they would issue me a new card but they failed to do so, now claiming I had bad credit. As a result of this action, my credit score of XXXX dropped to XXXX. I finally obtained a new XXXX card from my bank. However, now my credit score is XXXX from Experian, XXXX from XXXX. Now I need to obtain a home purchase loan and this significant drop in my score is affecting the loan repayment loan. In fact, I have perfect credit. I 'm XXXX years old and have never failed to make a payment on any loan. So why am I being penalized because someone else committed fraud and affected my credit?

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was denied an auto loan by XXXX XXXX, based in part on information from XXXX XXXX. Under the Fair Credit Reporting Act, I have attempted to contact XXXX to obtain a free copy of my credit report. However, I have been unable to obtain an electronic copy or talk to someone at XXXX to assist me in obtaining a credit report. The phone rings during business hours, but no one ever picks up the phone at 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 08/26/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

Portfolio Recovery - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that Portfolio recovery is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.

Company response to consumer: Closed with non-monetary relief