milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage Lender is reporting Foreclosure Status. This home has never had a Foreclosure Sale Date ( it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.
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Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure Sale Date on Calendar.

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 03/14/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax is reporting the following incorrect information despite my request to correct it : Name On File : XXXX Social Security # XXXX Date of Birth : XXXX Current Address : XXXX, GA XXXX XXXX Reported : XXXX Previous Address ( es ) : XXXX XXXX Woodstock, GA XXXX Reported : XXXX Formerly Known As : XXXX Last Reported Employment : XXXX ; Previous Employment ( s ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ( Credit grantors may view this statement when evaluating your credit ) ( This section allows the consumer a personal statement regarding their credit file. ) THIS REPORT STATED I HAVE LIVED IN XXXX GA AND AM CURRENTLY EMPLOYED BY XXXX BOTH ARE INCORRECT THE VALIDATION QUESTIONS POSED TO ME ARE TOTALLY INCORRECT AND CAUSED ME TO BE REJECTED DURING ONLINE IDENTITY VALIDATION. 

I request that I be notified as to the source of this incorrect reporting facts as to the following and that they be purged from my records : 1 ) Living at XXXX, GA, - I have never resided here, and 2 ) XXXX ; XXXX ; XXXX CA ; - I have never lived in CA nor been employed by this company 3 ) Residing in an apartment at : Current Address : XXXX, GA XXXX this is a single family home which I own outright ) ; I do not live in XXXX - it does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed an account listed on my credit report with XXXX at minimum 4 times. I have filed a CFPB complaint at minimum XXXX times. So far XXXX as repeatedly failed to comply with the law. The most recent illegal reporting has adjusted the Date of Last Default on an account to reflect a date that is completely invalid. Specifically, on my credit report an XXXX account currently shows with a last reporting of a late payment/charge off on or about XX/XX/XXXX. That is in fact completely inaccurate and not even remotely accurate. Specifically, the account also shows as a bad debt. However, per a letter dated XX/XX/XXXX that I have provided to EquiFax no less than XXXX times, and which on page XXXX clearly states " We last reported the status of your account to the credit reporting agencies as a charge off account, closed by the credit grantor. However, with the update to your account and its balance, it will next be reported as a satisfactory account, closed by the consumer, with a {$0.00} balance. '' This letter is signed by XXXX XXXX of the Customer Advocate Team and was filed with the CFPB in response to complaint XXXX on or about XX/XX/XXXX. EquiFax has repeatedly ignored this documentation an d mis reported the debt. EquiFax is the ONLY reporting agency that has refused to acknowledge, review and respond to the information. I have attached a screen shot of the account as listed on my EquiFax report, a copy of the letter from XXXX XXXX. At this point failure to correct errors WILL result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.

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 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I DISPUTED A COLLECTION ACCOUNT FROM TBF FINANCIAL IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EXPERIAN MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EXPERIAN IN 2 DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EXPERIAN TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED. I CALLED ON XX/XX/XXXX TO FOLLOW UP ON THE RE-INVESTIGATION AND THE REP TOLD ME THAT THE COLLECTION ACCOUNT WILL REMAIN. I ASKED THE REP WHAT METHODS THEY USED TO VERIFY THE COLLECTION ACCOUNT IS ACCURATE. HE RESPONDED BY TELLING ME THAT IT 'S NOT EXPERIAN 'S RESPONSIBILITY TO VERIFY THAT THE ACCOUNT IS VALID, IT 'S UP TO THE CREDITOR TO DO THAT. I AM REQUESTING YOUR HELP TO HAVE EXPERIAN DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM 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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chase continues to report delinquencies for Chase account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXXtax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am currently repaying my student loans to XXXX XXXX. I am enrolled in an income based plan and work for a XXXX XXXX. I plan to apply for Public Service Loan Forgiveness ( PSLF ) once I have made 120 on time payments. In XXXX of XXXX my monthly payments were re-calculated, as they typically are annually. At the time I was under the IBR payment plan. My payments went from {$140.00} per month to over {$1000.00}, despite a minor change in my income. At the time I was moving in with my in laws to save money while my husband left for XXXX XXXX XXXX for the XXXX paying over {$1000.00} for only some of my federal loans was out of the question. My servicer informed me that I qualified for the new Revised Pay As You Earn ( RPAYE ) repayment plan, which would further decrease my monthly payment. I happily asked for them to switch my payment plan and I was informed that it could take up to 60 days to process the request. I was told that my account would be placed in an administrative forbearance during the processing time, but that my account would not be considered delinquent during that time. I did not receive a bill for my new RPAYE amount until XXXX XXXX. Unfortunately I was unable to make any payment from XXXX XXXX. This time frame was much longer than the 60 days that I was originally quoted. That is 7 months that I was unable to make qualifying payments towards PSLF, while still working for a qualifying organization. I will now be in debt longer due to the significant time that it took to switch my repayment plan. In addition, I was also required to make 2 monthly payments at {$5.00} each ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) due to my loans being in " administrative forbearance '' for so long. I do n't understand why I was penalized by paying this fee for the company 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with Synovus Bank (CA).
Issue: Account opening, closing, or management

Complaint: I just lost a job because of financial set backs. So after call First Progress credit card ( synovus bank ) to discuss my situation. I was informed there was nothing they could do. Synovus Bank from then presist with reporting my pass due credit accout to all the major credit card companys 4-6 times for two months in a row. Forcing my credit to drop XXXX points in that 2 month period. I was unformed by the company that it was legal action. But I dont believe it at all. For the few months that I was current and paying extra there was attempt by the bank to report those positive transaction 4-6 per month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my home XX/XX/XXXX and my first payment was due XX/XX/XXXX. From that date I have made a payment of XXXX to Wells Fargo Bank ( WFB ), {$100.00}, more than the required payment. ALL PAYMENTS through XX/XX/XXXX were made before being due on the first. ( wfb.pfd XXXX ). On XX/XX/XXXX, I made a mistake in my online billing date for XX/XX/XXXX and dated the pay date for XXXX XXXX. When that payment came out it made my account overdrawn. I quickly called my bank and Wells Fargo and had the payment reversed. ( Wfb.pfd XXXX & XXXX ). With this item being reversed, I thought everything was ok until I started getting calls from WFB say I was late on my payments. I called and talked to a couple of people that did not seem to want to help. Finally I had called earlier and had my bank on the phone and arranged a 3-way call to get this fixed. We were transferred 4 times and finally hung up on. I called back and told them I wanted to speak to a supervisor. I talked to XXXX XXXX and told him of the issue. I told him I had evidence that proved that the XX/XX/XXXX payment was made. ( wfb.pfdH-XXXX thru XXXX ). The next day I talked to him and he seemed to think this would be taken care of in a swift matter. The matter was turned over to XXXX XXXX XXXX who would open a case to fix this. In the mean time I receiving late afternoon phone calls and mail to collect a debt. Phone calls were from XXXX XXXX ( wfb.pfd. XXXX, XXXX, XXXX ). I was receiving a lot of mail for debt collection, when I was not in debt for one day. ( XXXX, XXXX, XXXX to XXXX, and XXXX ). Statements from WFB came showing that the XX/XX/XXXX and XX/XX/XXXX payments were received. ( wfb.PDF XXXX & XXXX ) At this time WFB started playing this reversed items and Applied items making my account status very hard to keep up with. ( wfb.PDF XXXX ). At this time I am so upset that it is causing health concerns, not sleeping good and spending to much time on the phone. To a simple old man I could not make sense of the trouble I was going through, NEVER BEING LATE for any on payment. I still am concerned about my credit report although XXXX said they did not turn information to them, THERE IS NO TRUST WITH WFB. I also found out last Saturday ( XX/XX/XXXX ) that the VA had been contacted ( wfb.PDF XXXX & XXXX ). Again why do you contact the VA when the loan is not overdue for 1 hour in the life of the load. Today ( XX/XX/XXXX ) I received another letter telling me I was late with threats. ( wfb, PDF XXXX & XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (WI).
Issue: Unable to get your credit report or credit score

Complaint: in referenc e to [ Case nu mber :  XXXX   ] US Bank Home  Mortgage response, they sent home loan history but they shrunk the font so small it 's unreadable from start of loan  XXXX  through  XXXX . Then they increased font to a readable font size when they sent  XXXX , but they did not include loan information up to date of all payments before and during chapter  XXXX  showing every payment applied from consumer and court deducting every amount and showing principal balance after each payment applied.     Also, we are paying a mortgage loan to  US Bank Home Mortgage and they are refusing to report our mortgage payments to the credit bureau, therefore we can not get a accurate credit report showing payments to a financial institution, such as US Bank Home Mortgage for loan information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with First Credit Services Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Collection reported on my credit report I owe them XXXX for XXXX XXXX. On XXXX XXXX, XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. 
I have not heard back from this agency. They inform the credit bureau that I disputed but no other action was taken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened an online bank account with www.pnc.com a couple of months ago. It was suppose to be a free online checking account. I found that they charge me {$25.00} for 'service fee '. They refuse to refund this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
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They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Other debt) with The CMI Group, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Management LP, XXXX XXXX XXXX, XXXX Tx XXXX, furnished derogatory information which does not belong to me to XXXX. This information is now included in my credit file and damaging my credit score On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report included the following information, furnished by Credit Management LP : Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classifications : Cable/Cellular Original Creditor : XXXX XXXX Account Owner : Individual Account Original Amount Owed : {$210.00} Date of 1st Delinquency XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owed : {$210.00} Last Payment Date : Status Date : XX/XX/XXXX Status : D-Unpaid That information does not belong to me. It belongs to my son XXXX XXXX XXXX XXXX. This account was initiated while he resided in XXXX Ga. I have never lived in XXXX and this is not my account. I had previously spoken with XXXX and Credit Management upon receiving a collection notice at my residence in reference to this account. They assured me that the account would be annotated correctly to reflect my son. I am disappointed to find this information is now in my credit file and damaging my credit. There is no way a mistake of this magnitude should happen. This account should be under my sons SSAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Trouble during payment process

Complaint: Follow feedback that I was not allowed to post with SPS due to CLOSED STATUS of initial complaint of response dated bellow ....
I will start my feedback by quoting that SPS states in its letter dated XX/XX/XXXX, under the Origination section : In your inquiry, you question several issues relating to the origination of the loan. While SPS services this account on behalf of the Note holder, we did not take part in its origination and we are unable to respond to the issues raised relating to the origination of the loan.
But SPS is doing just that. By accusing me of being late before I even made my first payment with them. I am not beginning with a " clean or new slate '' but forcibly picking up where XXXX erroneously placed me.
In this same letter SPS states that " I was given an introductory phone call ''. I was not. I called SPS because I looked at the reviews online and knew I better not wait for any information. I THEN CALLED SPS to get my account number to make the first payment and did so.
Lastly, this letter states erroneously that I did not pay my XX/XX/XXXXbill but then stated that my initial payment with them will be used as the XX/XX/XXXX payment.
But SPS did not regard the 3 payments that were made : One on XX/XX/XXXX through XXXX XXXX to XXXX with a fee One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
I am left to believe, as I have eagerly paid SPS without fail that they are intentionally following the same chain of errors as XXXX.
Not only have I INITIATED and followed through with every payment to SPS but have sent these payments to them throught XXXX XXXX by XXXX XXXX and paying all fees associated with the most efficient, direct, and fastest form of 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 01/30/2017 about Debt collection (I do not know) with Designed Receivable Solultions, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've contacted the company on several occasions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (WI).
Issue: Account opening, closing, or management

Complaint: We have several lines of credit wit h US Bank. L ast fall our private banke r (   XXXX   XXXX   ) r eached out to us and said she needed to renew our line of credit. We had never received a letter, email, or phone call prior to this. We had communication through email over the nex t 6 wee ks where she was trying to earn more of our business loans that we use other banks for. We got her our taxes and got the line of credit renewed. Right around the same time we got the line of credit renewed we received a letter stating tha t US Ba nk had hit our credit for late payments. Not once during our communication, where she is trying to earn more business, did she say anything about the line of credit being past due or anything. ( I have all of the email correspondence ) I contacted  XXXX  and she stated that it was their mistake and she would get it taken care of. She tried two times to have their credit department fix it but they said they are unable to.     By the way this line of credit was on auto payment which they shut off. Once again without notifying us. I run several businesses and have lots of notes and mortgages because of this. If I cant rely on a bank notifying me that a payment is due, loan is expiring and so on I will be in for a world of hurt because I do n't know how I would keep track of all of them.

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