milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing 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 non-monetary relief
Consumer complaint received 03-08-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In late XX/XX/XXXX I was denied credit based on information obtained from XXXX  , XXXX. I did not receive notice of which CRA was reporting derogatory information until the first week of XX/XX/XXXX. Since my scores with XXXX, XXXX and XXXX are all in the range of XXXX-XXXX, I was shocked to see unknown XXXX , XXXX reporting a score of XXXX. 

I visited the XXXX web site which offers service ONLY by mail or fax, no ability at all to access any information electronically. The website suggest to call them for immediate assistance. I did call, over 15 times. I was never able to reach any human, but was only able to leave voice mails : 15 voice mails I left, and no one ever returned my calls. Their outgoing messages provide only a circular reference to their web site. 

On Monday XX/XX/XXXX I faxed my information to XXXX at the fax number indicated on their web site and on the credit denial notices. I requested a freeze on my account. I requested to permanently opt-out from XXXX sharing or selling any of my data. I requested a free copy of the data they are reporting about me and included a copy of the denial letter displaying XXXX as the reason for the denial of service. 

On Saturday XX/XX/XXXX I received an UNSEALED envelope from XXXX XXXX. That envelope contained the notice that they have received my opt-out election. Also enclosed was notice that a freeze has been placed on my account and the PIN number required to manage the freeze. No credit report was included. Pages from the other documents were out of order, some upside down, some were folded with the back of the page facing up ; obviously, someone went through the documents during transit in the mail. Or maybe XXXX is just that incompetent and negligent to shuffle pages of documents they mail. 

I repeat : the envelope was UNSEALED. The letter was open, had NEVER been sealed. This means that XXXX XXXX has now shared all my sensitive personal information with anyone and everyone between XXXX XXXX CA and XXXX TX. They have shared the PIN number to manage my account. Since the credit report I requested from them was not included in the open envelope, I have to assume this means they enabled someone to steal my credit file information, social security number, date of birth, and all other sensitive personal information. 

As soon as I received the envelope and realized XXXX had negligently compromised security I once again tried to reach them by phone. Still no one answers their phones and no one will return my calls.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been sending correspondence to XXXX since XX/XX/XXXX to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/XXXX. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: After my wife developed health problems disabling her, and I was asked to resign my employment due to the closure of the branch I was to work at, we began to get behind in our payments. My wife was diagnosed with XXXX XXXX and the work I found was only temporary and was not enough to feed us, pay utilities, and the mortgage. At the same time my mother in-law needed some help copping with the loss of her husband and her XXXX daughter. We made the decision to put the house up for sale and return to New Jersey. We had hoped to sell the house and avoid a foreclosure. Unfortunately we selected and ineffective realtor and signed a contract. We are now more the a year behind in payments. The mortgage company put a notice of foreclosure on the property and re-keyed the back door, ( this was in violation of our state law ) they had not received the documents to take this action at the time. The mortgage company has also informed the credit agencies that we are in foreclosure and we have never received documentation to this day that they are formally foreclosing on us. We consider this harassment because at our foreclosure avoidance hearing we specifically informed the parties that we are trying to avoid a foreclosure on our record and not one representative said that it was already appearing on our record, or would appear with out us receiving documentation. In fact we believed that if we do a deed in lieu we will avoid a foreclosure. We made it very clear that was our plan and we were not informed that it was n't an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Credit determination

Complaint: Since XXXX, XXXX I have attempted to get Bank of America to correct the date of my oldest credit line from XXXX to XXXX. My credit card with this Bank states that I am a card holder since XXXX. My account number may have changed, but I have used a BoA credit card well before XXXX. My credit rating has suffered, because I rank a B in terms of " Oldest Credit Line '' in light of BoA 's wrong reporting. 
I have regularly sought to get BoA to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. BoA has dithered and refused to correct their mistake for my account no XXXX All credit agencies continue to state my oldest credit line as having commenced in XXXX. 
I am seeking your intervention to get BoA to correct their mistake and to inform the credit agencies that my oldest line of credit dates back to XXXX and before. 
Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have made several disputes with Experian regarding my credit report. Every time I attempt to dispute information about the following XXXX Account Numbers : XXXX and XXXX, Experian does n't allow me to dispute them. I have also requested status update on when the information will be removed from my credit report and Experian never provides an answer.

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 01/13/2017 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The County and Federal Courts do not report to the credit bureaus, I have sent several certified letters to Equifax asking them to delete the public records they attached to my social security number. In addition, there are freezes at XXXX, XXXX, XXXX, XXXX and several other companies that report public records, with files with my social security numbers. It is for these reasons that I know that they are lying with regards to validating these public records.I am requesting that they remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Installment loan) with U.S. BANCORP (TX).
Issue: Shopping for a loan or lease

Complaint: they keep calling and calling, II have ASKED THEM TO STOP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( 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 non-monetary relief
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Privacy

Complaint: I have XXXX credit card accounts with Bank of America. This is second complaint. Some months ago I complained that BOFA is texting me and calling me at my work on a do not call line. I mailed to them several times to do not call my number. I put requests online to stop their XXXX office from harassing me which is illegal. They also call from blocked number. This harms my work and is very upsetting. Bank of America does not respect my privacy. Texting costs me money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I just refinanced my private loans from Wells Fargo to XXXX XXXX saving me over {$1000.00} a year in student loan payments. My issue is with Wells Fargo Bank. Due to the length of time it took me to complete my new application the payment XXXX XXXX sent Wells Fargo was {$1700.00} higher than my current loan amount. Due to some ludicrous guideline that Wells Fargo has they must wait 21 days to clear those funds to send to the new institution. Meanwhile I 'm now starting to accrue interest on the higher loan amount. This is a ridiculous practice that needs to stop. If I was one day late on my Wells Fargo payment they start tacking on daily interest yet when I overpay my payoff amount they are allowed to hold onto my funds for 21 days while they " clear '' the payment. It is not right that big financial institutions get to make up their own rules on how to treat payments and paybacks because they always end up punishing the consumer who is just trying to be financially responsible. The 21 day waiting period needs to stop on getting refunds to student loan payments!

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian reports incorrect information. I had an auto loan with XXXX XXXX as of XXXX, XXXX and which was paid off in total as of XXXX, XXXX. Upon my complaint through CFPB, all the three credit reporting institutionsXXXX XXXX, Experian and XXXX did remove the incorrect information and showed that the loan was settled by pay off and account closed in XXXX, XXXX. However, on XXXX XXXX, XXXX, Experian reports a late payment as on XXXX, XXXX yet that account was long closed in XXXX, XXXX XXXX, that I had no finance and/or contractual obligation with XXXX XXXX by that time having closed the account in XXXX, XXXX when XXXX accepted settlement in full from my insurers, warranty and gap which was duly paid as requested and agreed. XXXX XXXX has never issued me a certificate of satisfaction even when requested.

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 08/21/2017 about Debt collection (Credit card debt) with Patenaude & Felix APC (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm Pateneaude and Felix A.P.C. concerning the listed file number. I was forced to reach an agreement with this representative due to XXXX XXXX refusal to work with me. My contact through XXXX XXXX was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to Pateneaude and Felix to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of XXXX XXXX. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both Pateneaude  and Felix and XXXX XXXX and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

Company response to consumer: Closed with non-monetary relief