milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX. I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX- there is no reason for the agencies not to remove this ASAP. To date, only XXXX has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX  and Equifax for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

Equifax also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against Equifax. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for XXXX in that regard and Equifax has XXXX inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I was referred to Freedom Mortgage company in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to XXXX ( freedom mortgage company used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX I sent a letter to a collection agency by the name of XXXX XXXX. I wrote to them after seeing they are reporting a collection account on my credit report for a balance of {$530.00}. It is reporting an original creditor by the name of XXXX XXXX. I never had a debt with that lender and I requested copys of statements and signed credit application for this account. As of today XXXX/XXXX/XXXX, no response has been received from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never resided at XXXX ever and I believe that I requested that the address be removed and it still appears on my report

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i have attempted to dispute multiple inaccurate items from my report and the bureau keep verifying the wrong information and illegaly placed information as accurate and verified. i have received absolutely no items as proof that an investigation occurred. it has been over XXXX days and i have not received and investigative results. they are reporting wrong information and refuse to delete or fix.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Consumer Loan (Title loan) with Advantage One Credit, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX from advance credit LLC of CA, but when the loan was approved that went to XXXX dollars plus more than 70 % interest plus they have my title plus they installed a tracking device on my car and the loan was consummated in XXXX, 2014 and I still owe more than XXXX, they will not respond to MA state officials or to me about interest rates and possibly working out a settlement. late fees are upwards of 35-45 dollars and its illegal to do business in MA

Company response to consumer: Untimely response
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX accounts that are reporting incorrectly I have disputed several times and experian refuses to investigate Account XXXX XXXX XXXX account is reporting incorrectly Account XXXX XXXX XXXX account is reporting incorrectly

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 06/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX cable company requested their equipment after my account was closed and it was returned they never posted it nor updated my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fraud or scam

Complaint: On XX/XX/2018 I responded to a XXXX advertisement for an XXXX basketball game. I contacted the seller and we exchanged phone numbers to complete the sale. I was told to transfer the money via XXXX and in return would receive the tickets through flashseats. Seeing as though XXXX was an app that Bank of America used as it's means of transfer, I trusted it thinking that my bank would protect me in cases of fraud or scam. I transferred {$800.00} through XXXX to the seller and unfortunately after the money was transferred the seller never replied back to my messages. This is when I realized it was a scam and the next morning I called my bank and filed a claim. I was told I would receive a letter from my bank within 5-10 business days on the status of my claim but that letter was never received. However, through my bank account online I was able to check my claim status and the claim was " resolved '' and I was not given back any of my funds. A bank is supposed to protect their customers and the fact that I was able to transfer a large sum of money with no guarantee of protection is ridiculous. A system like XXXX that Bank of America, a world-renowned company is so proud of and has featured on their banking app should be able to offer their customers protection in cases of scam and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: We had sewer and water damage in our home. We got our insurance check but could not Cash it as it also had our lenders name on check. This happened early XXXX XXXX. We did repairs and paid out of pocket for repairs. PennyMac is our loan provider, we had to have XXXX inspection done. The check was for {$10000.00}. To this day even after inspection said 100 % complete, PennyMac has not released all funds. It is now XXXX XXXX. They are holding on to funds for no reason. I call and get run around. Every time I speak to someone they tell me something different. Now they want to foreclose on my house when they are holding more money than what we owe! I do n't believe this is legal. My wife and I are upset and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several items Equifax is reporting that is false information I have disputed prior and nothing. This information is inaccurate and false I want removed     XXXX   XXXX   #  XXXX  I do NOT owe {$11.00} inaccurate   XXXX   XXXX     #  XXXX  {$23.00} I do not owe {$23.00} inaccurate and false   XXXX   XXXX     #  XXXX  {$10.00} I do not owe and outdated   XXXX   XXXX     #  XXXX  {$10.00} Outdated and inaccurate   XXXX   XXXX   #  XXXX  {$11.00} outdated and inaccurate   XXXX   XXXX   #  XXXX  Fraud, inaccurate and NOT my account remove

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Application processing delay

Complaint: Citibank sent me offers weekly for months, including XXXX in one day. I finally applied for their card only to be told to call in. I did and they started asking all sorts of extremely personal information. Not trusting the questions I asked why they needed the info since it was all in my credit report. I was not given a reasonable answer so they said they would get me an answer in a week. I said that was just fine. I then received a letter asking for bank statements, phone bills, etc. This seems really sketchy to me. I called and was given the run around again. I have excellent credit and am very easy to find so I ca n't imagine it was an issue of credit worthiness or security. I told them to cancel the application and remove me from all offer lists. I also asked to have a supervisor call me. We will see if that happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: My standard finance rate was raised to over 25 % without cause ( they do have an opt out ) I have a perfect credit history and an income level to place me in the top % XXXX of the country. I have had this card for several years and never had any credit or payment problems with me or I with them. 
It is an outrage that someone with an excellent credit history ( Fair Issac typically around XXXX - XXXX ) is placed in such a category, no doubt, for profit alone. Why do people maintain good credit? Why maintain a good credit history is one is to be subjugated to such extremes? What legal authority do they have to do this? Are there not laws that regulate how banks treat citizens for the good of the nation? What do they charge people with bad credit history? 250 %? 
When I was young this was considered usury and was illegal. Many tolerate the XXXX fees today because they have no choice with bad credit but mine is as good as one can get, yet with my excellent credit rating/ history I am treated like pariah at Macy 's . 
Please help. 

Below are relevant info. 
Thank you for your assistance. 
XXXX Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Occupation : XXXX Age XXXX CC rating XXXX Macy 's cc # ( last XXXX ) My husband is writing this letter for me as I am not well at the moment, undergoing XXXX which incapacitates me. This matter concerns me greatly as credit is our way of life and I worked hard on mine all my life. To be raised to such an exorbitant rate is astonishing in this day, in this nation. Is Macy 's based in XXXX ( where they are experiencing insane inflation ). 
I just do n't understand. I worked a=hard all my life, I 'm a professional and yet I am still given the highest rate with no cause. Is this what America has come to, \???

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 01/13/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: equifax is showing hard inquiry by XXXX XXXX on XXXX XXXX, 2015. 
I get numerous mailings from XXXX XXXX. I live in the woods and was told to call XXXX XXXX and see if they could provide coverage. That was it. I never applied or inferred that I was going to switch from my Cable Company to them. I never followed up on my questions because I am happy with my Cable provider.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has inaccurately reported to XXXX, Equifax , and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the XXXX XXXX Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Transunion is showing a collection that is two years and it is invalid. I disputed the charge and the company removed it from XXXX. Further, they are artificially lowering my credit score due to inquiries and percentage of outstanding credit used, even though the amount is miniscule compared to my income. This has damaged me by causing a higher interest rate on the loans I am attempting to get.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Originally, I filed a complaint ( XXXX ) against Chase Bank on XX/XX/XXXX in response to the manner and method they used to close a checking account I opened in one of their branches! As a customer, I thought it was rather odd to close an account which had been open only a few days and without giving me a reason or chance to defend myself! 

XX/XX/XXXX, Chase Executive office replied to my complaint with a letter and sending me a copy of the, Deposit Account Agreement Privacy Notice, which was given when I opened this account. They went on to elaborate and say, " We are not required to give you a reason for our decision to close the account '' Moreover, they also pointed out, " Our decision to close your account will not change '' In my defense, I never said, they were " required '' to give a reason! Naturally, I requested a reason because I wanted to know what I did wrong so I could correct the problem. Additionally, I never said my account should n't have been closed nor did I asked for it to be reopened! 

Truthfully when I submitted my complaint, I was thinking an independent objective outside source would consider the facts from both parties then render a decision

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX : Original Loan Amount : {$6600.00} Loan Date : XX/XX/XXXX IntRate:4.25 144 Payments of XXXX Never payed late and always paid more than payment due. 


Received new payment schedule for : 83Payments {$45.00} Start XX/XX/XXXX Which is another 7 years. 

This loan should be ending in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Apelles, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has an unethical practice, bullying XXXX into paying above and beyond what they owe. 
I paid monthly fees for security services on my in-laws home in XXXX, FL. starting XX/XX/XXXX. The in-law moved to XXXX in XX/XX/XXXX & expired on XX/XX/XXXX. The house was sold in XX/XX/XXXX. The ONLY condition of Escrow was for the new owner to take over the remaining XXXX contract. XXXX continued to bill my credit card through XX/XX/XXXX. I called them to inform them of death of the owner & sale of the property as well as the condition of the escrow. After my call in XX/XX/XXXX - which they still have on record, I received no monthly statements and no notice of delinquency until a collection notice was mailed to me from XXXX onXXXXXX/XX/XXXX for a sum of {$870.00}. 
I called XXXX last week & they admit to all of the above but claim I " did not cancel my contract '' This is an unethical practice by XXXX. The clients are XXXX & unable to defend themselves. Most will pay these unjustified charges simply to protect their credit. 
THEY NEED AN AGENCY LIKE THE FTC TO PROTECT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: AES ( American Education Services ) with it Guaruanteeor PHEAA, has twice now incorrectly calculated my IBR ( Income Based Repayment plan ). I have notified them both times, and they have refused to correct the issue, leading to me being reported to the credit bureaus. 

I need this issue solved. They are causing my family and I a great amount of XXXX. We were going to try and buy a replacement car with credit, but were denied due to their reporting me to the credit authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The credit reporting agency did not forward proper investigations about this medical debt. 
Remove this from my credit report immediately. This report requires provisions from HEPA laws and Fair Credit Reporting. Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Payday loan debt) with ZARVAD III S.A. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company is calling me constantly even after i told them to stop calling me. They are also threatening me!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my XXXX cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my XXXX accounts are reporting as being in dispute. I called XXXX explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to XXXX 2 ) Page of my credit report showing the 2 XXXX credit cards with Consumer Statements

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