milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am from XXXX XXXX, someone in XXXX was using my identity, he used my social security to acquire a cable service with XXXX under my name. I reported this to Equifax several times, recently this person was arrested, I submitted again a dispute and supporting documentation like police report and FTC documents, also the information of the officer who arrested the person who stole my identity, but Equifax refuse to delete that inquire. XXXX was aware of this since XX/XX/2015 but I recently reach them again to help me resolve the issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 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: Their investigation did not fix an error on your report

Complaint: XXXX does not have my loan it was given to another company by XXXX XXXX it 's with XXXX XXXX XXXX. XXXX is still reporting against for XXXX they absolutely refuse to stop reporting to XXXX against me even though I have a settlement with XXXX XXXX XXXX for XXXX. All I want is the right company reporting against me and for the right amount!!!!!!!!!. What I want is very simple and very easy to do. XXXX even mentions in a document that my account was given away to the other XXXX have disputed this multiple times and gotten no where with anyone even though I have the proof of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (FHA mortgage) with FIRSTBANK PUERTO RICO (PR).
Issue: Trouble during payment process

Complaint: We got affected by hurricane Maria. 
I filed for FEMA and was denied assistance because my mortgage includes home insurance.

I contact the bank ( First Bank de Puerto Rico ) and they forward my information to the insurer ( XXXX ) I receive a visit from the insurance inspector on XX/XX/2017 and am told the process should take no longer than 2 months to hear back from them ( the insurer ) It's been almost 4 months since and EVERYTIME I call XXXX I get hung up. I call the bank and they tell me I have to contact XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I called Bank of America customer service on XXXX XXXX, 2016 and was told my wait time would be XXXX to 8 minutes. I was on hold for 25 minutes before I finally gave up and I hung up the phone. The next day ( XXXX XXXX ) I called the same customer service number and again they said it would be XXXX to 8 minutes and I was on hold for over 15 minutes before someone answered the phone. This lack of access and disrespect of customers should be addressed.

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 03/30/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a chapter XXXX dismissed bankruptcy with equifax. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Adler Wallach & Associates, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Contacted me  three years after the debt that 's supposed to be mine. was never billed or told that I  owe them any money until about two years after they supposedly was given help or service from  XXXX  was supposedly performed to me. I had insurance for a  XXXX  and they asked me to make an appointment to get   XXXX   XXXX  . I never made the appointment never needed it I saw another  XXXX  and they did not think that I needed any more   XXXX   work so I never made an appointment to get anything done and then they billed me again for having a vavity filled and I never received any other service besides the initial service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am in the middle if a modification once again with OCWEN LOAN SERVICING. They are doing the same thing that they did before, stating that that they did not receive papers that I have sent them over and over again. In the midst of them working with me, THEY SENT ME A FORECLOSURE LETTER. This is a XXXX XXXX case.. 
MY DOCS HAVE BEEN ROBO SIGNED BY OCWEN. PLEASE HELP. I SENT A VALIDATION REQUEST OF THE AMOUNTS TO OCWEN AND THEY IGNORED IT. THEY ARE IN VIOLATION OF SEC 809B OF THE FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with General Information Services, Inc (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I applied for a XXXX position at XXXX in XXXX. In XX/XX/2016. A background check was done and was taking a long time. After a month I received a copy of the background check with very vauge information of a warrant for petty theft in XXXX. I immediately call GIS to dispute the accusations. I have NEVER been to XXXX. So I know for a fact my identity has been stolen. I asked a rep. XXXX was there anything I can or do to help in clearing my name and she tells me NO. I then get a call from a XXXX XXXX who called and left no msg. And she asked 'did i forget about the warrant '. I hope she was not trained to accuse people of a crime that they did n't do. She says she called the XXXX police dept. And I needed to be fingerprinted. And that she already contacted XXXX basically closing the dispute before I was able to get fingerprinted, so she can meet her 30 day time period of closing a dispute. So I lost a job because of false information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: my name is XXXX XXXX my telephone number is XXXX my address is XXXX, TX XXXX I 'm complaining about my heart loan that was originally approved with XXXX XXXX XXXX the originator of my loan which was done back in 2005 I completed the process of acquiring A harp loan but my payments have continued to go up regardless of the guidelines that are set is a hard process. XXXX alone servicer made numerous errors in the accounting of my account in regards to figuring the escrow and taxes in which they more than once regarding the right amount of tax to be assessed on my XXXX a {$3000.00} unapplied funds which had to be retroactively corrected after having my loan for less than a year they transferred the loan to Shell point mortgage servicer also increase my payments even while I was under the harp program saying they had the right to ask for an additional {$900.00} to Cushing my loan they have failed to provide me monthly statements they help with failed to return phone calls you 're unwilling to provide documentation is on what they 're doing I 'm filing this complaint in regards to my Shellpoint Mortgage Servicing loan number XXXX. Shell point mortgage servicing address is XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following accounts are reporting inaccurate on my credit report XXXX and XXXX. The original source of verification may be unreliable, so I request that Representative ( s ) and or Agent ( s ) of Equifax go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies. See ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing XXXX, XXXX XXXX at XXXX ). I hereby demand a Reinvestigations of the disputed information pursuant, but not limited to the FCRA 611 ( 15 U.S.C. 1681i ). A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information.Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. I would additionally like for physical verification of a consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: There was an incident with CitiMortgage ( see CFPB Complaint # XXXX ) that caused inadvertent negative credit reporting which CitiMortgage has since agreed to remove. However, as a result CitiBank who backs my Home Depot credit card reviewed my credit worthiness during the time frame in which the negative error reporting was taking place immediately reduced my credit limit to the balance of the credit card itself which makes it appear as though I now have a maxed out credit card which also reduces my credit score even further. I have maintained excellent credit worthiness throughout my life until this incident happened and I think I have been a valuable customer to Home Depot and Citibank. Also, during this time I had a cell phone stolen with my account personal checking and savings accounts inside. As a result, my bank had to temporarily block all credit and debits on my account until the issues were resolved which they were.

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 05/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Settlement process and costs

Complaint: My husband and I were approved for a loan modification from Bank of America in XXXX 2015. We made the four scheduled payments on time and were to receive XXXX copies of the agreement to sign 10 days after the fourth payment. We have made 6 payments and still have not received the paperwork to sign and our credit was ruined during this process. We receive a delinquency notice on XXXX XXXX saying we owe XXXX. We have not missed any payments and we continue to get lied to by the relationship manager. All she will say is that we are working on it. They are causing us undue XXXX and my husband is XXXX. We just want answers as to why this process is taking so long and all we are told is that we made the payments too early which is not true. The payments are due on the XXXX of the month and my husband pays it after the third week for the following month when he gets his XXXX check. We have not been delinquent and we want this resolved so we can repair our credit that Bank of America has ruined for us.

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 03/26/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Citimortgage has consistently for more than 3 years lost documents, required innecessary documents ( birth certificates ), ran credit checks during modification processes. They have refused modification due to " irreconcilable differences '' and refused to give an exact reason for modification refusal. Did however state that it has nothing to do with my ability to pay my mortgage. In XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists '', and in XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists ''. Each time it was requested that we submit paperwork. I have submitted 5 years of tax returns, 4 years of income, birth certificates ( twice! ), bank statements, income verification forms, etc. I filed a complaint with the Consumer Financial Protection Bureau and Citimortgage replied on XX/XX/XXXX ( complaint # XXXX ) with only a partial answer. Final answer were suppose to be over to Consumer Financial Protection Bureau by XX/XX/XXXX but was never answered by Citimortgage. Now this complaint seems to be missing from the Consumer Financial Protection Bureau data base. My life has been on hold for over 3 years now while waiting for this modification to be completed. All along our income has fallen within the guidelines of this modification.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called  XXXX  and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called   XXXX   and Equifax they are not wanting to comply. I have inquiries from  XXXX  lenders that I have no knowledge of multiple times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a home through HSBC and it was foreclosed on ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX on X/X/17 sent me a letter from the District Manger Stating a {$0.00} balance on my account. 

There are other issues at hand showing late days of 180 days if you look at the dates by XXXX and the dates it makes no since and the Letter dated X/X/17 and its late when the account was closed out so how does the account run that many days late. 

My next issue XXXX XXXX was serve 3 letters to pick up the lease Furniture and did not answer after I call and sent certified mail to close out the account. I have all the Reg Mail from the post office in which they never replied back until I had to go to an attorney about the problem. 

There is no balance on this account I have the letter from the District Manager for XXXX XXXX  regarding the Situation and they have me listed at XXXX and And Experian as a Charge off balance in which there is no balance nor a charge off. The account is inactive as stated by the District Manager. 

I have tried several times to resolve the issue with them on the matter. 

There is no balance owed as stated by the XXXX or  Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Accounts were opened fraudulently. The following accounts still remain on Experian &  XXXX .   XXXX   XXXX   XXXX  , opened XX/XX/XXXX  &   XXXX   XXXX   XXXX   {$590.00}, opened XX/XX/XXXX . The exact same accounts was on   XXXX   however  XXXX  was able to remove the accounts. All  XXXX  bureaus were sent the exact same information to fix the 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 non-monetary relief
Consumer complaint received 10-05-2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XXXX, XXXX, XXXX, Education Loan being serviced is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX  XXXX XXXX, XXXX is servicing a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX I have written several letters to XXXX XXXX XXXX, XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am visually impaired student and their information to have my loans to be discharged I must be in a XXXX and or about to XXXX from my XXXX. That is what the customer service representative told me. I was so frustrated I hung up on them. My loan servicer is Nelnet. I have been calling them for the past month and they are not helping me. I can work but I am having trouble finding a job. Right now I am in school trying to figure out how to get the loan paid off before my parents find out. When I talked to the people who deal with the discharge they told me to go to the doctor and have them fill out a section about my XXXX and they thought that my XXXX just happened and it did not happen right away it happened since I was born.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: To Whom It May Concern : I contacted Citi Bank on XXXX/XXXX/16 regarding my Double Cash card. I have a current billing item in a dispute due to the merchant charging me the incorrect amount. I noticed the item was charged back to my account as of XXXX, but have not received any notification as to why via E-mail or Mail. 

The first time I called, I was routed to a representative in XXXX who offered to transfer the call to the dispute department ( even though I said existing dispute in the IVR ). I was on hold for about 3 minutes and then the call was transferred to a message that advised the rep to take the call back because they were experiencing high volume and were unable to take the call. The line disconnected. 

I called back and asked for a manager. I was told there are no managers available. I then asked for a supervisor, who promised that I would get a call back within 48hrs. He took down my information. He was kind of rude, and I did n't like the way he handled the call. He denied me the ability to talk to anyone or anyone else. 

I called back once again and asked for a rep in the USA. The call was then transferred to a closed line. 

I called back a fourth time, and asked once again for a supervisor or someone in the US. The call was transferred to a closed line. 

On my fifth attempt, I called and was transferred to a closed line for the dispute department. 

Finally, on my sixth attempt, I got a rep in the XXXX who told me that there are no managers or dispute team members available due to high call volume and promised that I would get a call back in 24 hours. I explained to her that I have been disconnected and hung up on 5 times, and that I really needed to speak to someone.. She kept promising a call back. 

It has been 48 hours and my phone has not rang. I feel as if I am being discriminated against because I asked to speak to a representative in the United States. I explained to the reps that I was nothing personal, I just have had poor service and really need to speak with someone that will understand everything that I have gone through.. Since each one of the reps did n't even really apologize for the situation or how I have been treated. 

I honestly feel as if I have been mistreated and discriminated against for the billing dispute, as well as discriminated against for asking for an American employee. My calls were repeated disconnected or blind transferred to a closed line OR IVR with no reason or excuse as to why. 

I need to speak to someone about my dispute to understand why. I also need someone to help me understand why I spent over an hour on the phone only to get disconnected multiple times and hung up on.

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