milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been actively monitoring my credit through  XXXX   XXXX . In the middle of  XXXX ,   XXXX  , Equifax reported information through  XXXX   XXXX , vwhich resulted in a  XXXX   XXXX  score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by th em ( No  credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through  XXXX   XXXX , even inquries as recent as  XXXX   XXXX ,   XXXX   ... .but, not my open, in good standing credit card account with  XXXX   XXXX   XXXX  If I have an account in good standing, which was previously showing on  XXXX   XXXX , I should have a credit score for reporting. I have eliminated the theory that  XXXX   XXXX  is the issue, as the rep from Equifax suggessted since I had purchased a subscription from  XXXX   (  I think thats the name ) and it showed my Equifax score a (  XXXX  ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the  XXXX   XXXX  account exist, is in good standing and reported by other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage originated with XXXX, was transferred to Green Tree for servicing, and is now serviced by ditech. Our taxes and insurance have been paid by escrow with our mortgage payment since XXXX remade our mortgage. Without having received an escrow statement or reason for doing so, ditech has suddenly raised our monthly escrow payment by $ XXXX/month. Our real estate taxes have n't increased in years and our homeowners insurance has not changed significantly to justify such an increase. The escrow increase has changed our monthly payment by more than 30 % and has created a situation where we can not pay our mortgage on time due to the increased amount due. ditech still has not sent an escrow statement or written reason for this drastic change in our 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 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (AZ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I asked my bank why they were charging me interest charges on a secured credit card of mine, cause the credit line on my card is money I put in there trust because I had bad credit.I was told that I would only have to pay a annual member fee charge.I put {$1000.00} dollars for a secured credit line of my money so I could start a credit history.The thing that really worried me was last month I never used, are charged anything on my credit card and they charged me a {$11.00} interest charge on purchases made? When I ask them why they told me it was in the fine print that I agreed to, ( I NEVER SEEN THAT ARE TOLD THAT ) .I also notice that my credit line is charge a interest charge every time I use the credit card to buy something.

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 04/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify all items.This debt collector did n't have any of information correct and you are reporting the same incorrect info, dates etc .... according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: My account was restrained. After it was released I withdrew my money from the account and asked the Bank of America to close it. This was in XXXX 2016. They did not. Since then they have been charging me a {$5.00} maintenance fee on the account every month. I have asked them to close the account repeatedly, but they refused. I even paid the maintenance fees even though I think I do not owe them, since they told me that was why they could not close the account. But even after that they did not close it. My account agreement says they must process any requests relating to my account within a reasonable amount of time. They should have closed my account by the end of XXXX 2016. I should not have been charged any maintenance fees. They have sent me a new debit card even though I said I wanted to close the account.

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 04-04-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following : 1. Improper approving my residential loan for gov't insurance and refinancing 2. Fraudulently submitting loan data regarding my loan # XXXX to XXXX that was false. 

3. Predatory lending by raising my rate over XXXX points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act 6. By breaking my XXXX XXXX XXXX of XXXX 7. By XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: this not my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$1200.00} and XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, Equifax, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

XXXX  - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

Equifax - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: This all started back in 2013 my mortgage company lost two of my payments we submitted our bank statement when they bought our mortgage and said they never received them which put us behind then they started foreclosure they charged us {$8400.00} to get out of foreclosure we are now still fighting them because they say we still have {$3300.00} in foreclosure fees which it 's been 3 years now which has made us three payments behind again every time we make a payment we have new charges they 're trying to charge us {$570.00} and late fee charges and certified mail charges which we have not received any certified mail they are charging of property inspection fees nobody has come and inspect my property and now we have made an insurance claim and we had to mail them the {$17000.00} for our garage check and they are with you using to release that to us we are just trying to get what is belong to us to us if anybody could help us this would be wonderful wonderful

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Apparently, an account was opened in my name before I turned XXXX ( legal age to assume debt ). I reached out to this agency to find out why they allowed an account to be opened in my name and not check the date of birth to ensure it was legal? The representative advised the information would be corrected and deleted from my credit report. Since this was a trusted family member who opened the account, I chose not to pursue legal measures. However, I STILL paid the balance owed of {$180.00} to the original creditor ( XXXX XXXX ) to clear my name etc. Records will show that I was not an adult when this account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 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: Information belongs to someone else

Complaint: Transunion is reporting a Credit Collections account on my credit report that is not mine. I have never done business with this company and I have never been sent any bills, notices or paperwork telling me that this is my debt. The account number on my credit is " XXXX '' and the amount on my report is {$240.00}. I need Transunion to delete this account because it does not belong to me. I have a common name and this is not the only time Transunion has reported someone else 's information on my report. I have disputed this with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To this date, nothing has been done to properly process my dispute.

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 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: I had an ACH automatic payment that appeared on my account on Monday XXXX/XXXX/2016 in the amount of {$450.00}. When I checked my account that transaction had NOT posted to my account and was pending. I went to the bank and made a CASH deposit to cover the check. Both would have posted during the nightly update. I talked to two different employees and recorded two different answers. The supervisor I spoke with was XXXX XXXX who would not give her ID number. As you can see by the attached picture I have a {$0.00} balance which included the {$450.00} deposit. This is with ALL pending items.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Wanted to lower my payments ... they said I had to default on the lones if I want to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: From the very beginning I had discrepancies with Select Porfolio Servicing Inc. with regard to my escrow account. XXXX sold the account to this company in XXXX XXXX. Although there was a surplus in escrow when the account was transferred, I never received payment or a refund of the over payment/surplus. Instead in the month of XXXX XXXX, I received an escrow analysis alleging a shortage of {$79000.00}. A second escrow analysis was conducted in XXXX of the same year, two months later alleging a shortage of & {$560.00}. Is it not so that an analysis should be conducted only once a year? Be advised, I always paid more than the mortgage payment amount from $ XXXX {$100.00} with instructions, & monthly calls to deposit the overage into escrow in an effort to avoid these outrageous projections. In XXXX of XXXX, I received another escrow analysis but this time there was an overage/surplus in the amount of {$540.00}. This amount was refunded to me. However, there was an adjustment of {$460.00} credit due to a Home Rebate benefit which affected the escrow account. Needless to say this overage was not included with the {$540.00}. Instead Select Portfolio kept the over payment again. Notwithstanding, I continued paying more than the required mortgage payment amount to escrow with an expectation of a refund due to the surplus. XXXX XXXX I received an escrow analysis alleging a shortage of {$680.00} due to these outrageous projections. I became furious with regard to these bogus projections. I sent XXXX letters, numerous phone calls relinquishing Select Portfolio responsibility in paying my taxes and home owners insurance. I spoke with several Representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and other employees ) of the company with regard to my escrow account and or this transaction and the balance of escrow in the amount of {$4200.00} to be sent to me. This amount was confirmed by their Representatives and my records. However I received a check in the amount of {$2700.00}. This company shorted me by {$1500.00}. Select Portfolio may have changed their name but they continue their corrupt behavior of Fair Banks. I believe not only does this company keep & conceal the customers surplus in escrow, they are making the customer 's mortgage payments uncomfortable so the customer looses their property or home to the mortgage company. I have taken responsibility to pay the taxes & home insurance. I would like this company to do the honest, legal and moral act in returning the amount owed of {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE HAD FRAUD ALERTS ON MY REPORT SINCE XX/XX/XXXX. IN XXXX XXXX SOMEONE OBTAINED XXXX IN MY NAME. I HAVE SINCE SENT IN A COPY OF MY POLICE REPORT, RENTAL LEASE, CURRENT CABLE BILL ( XXXX XXXX ) SO FAR XXXX AND THE CREDIT BUREAUS HAVE YET TO DELETE THIS FROM MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with DISCOVER BANK (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calls twice a day leave message or says nothing

Company response to consumer: Closed with explanation