milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the EQUIFAX data breach in that on XXXX XXXX I was made aware of several HARD INQUIRIES that were NOT initiated by me. 

I was given a letter of courtesy by some of the FRAUDULENT Hard Inquiries that have been removed : XXXX XXXX XXXX - Pending, letter confirming backlog of requests to remove fraudulent inquiries. 

Now, I filed an incident report with XXXX XXXX XXXX in California due to the fact that I was told by XXXX until I did so, I they would not remove a HARD INQUIRY. 

Now, they after doing so they still refuse to remove the false hard inquiry which falsely stays on my credit report for 2 years, even though My credit report has been in a FREEZE status for several days now, and to prevent further problems with my credit, there is a fraud alert on all 3 reports. 

XXXX said I had to mail an affidavit to them, which I did and I also mailed a copy of the XXXX XXXX Fraud Complaint to prove the fact that I NEVER applied for credit with them, but they still refuse to remove the false inquiry. 

In closing, even law enforcement said that XXXX never cooperates with their investigations and I have seen first hand that they arrogantly refused to remove this inquiry for a revolving credit application on XXXX XXXX. They refuse to give me a copy of the application for credit which I have been told is my right. 

The reference number for this incident by XXXX is Customer # XXXX I know that my confidential and personal information was compromised. To obtain credit online they have my correct SSN, My Drivers License, and my DOB. They have all been used to attempt to purchase an automobile, over {$6000.00} in furniture, and 9 credit cards have been closed due to fraudulent charges. 

Please help me with XXXX because they are allowing false information to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (ME).
Issue: Managing, opening, or closing account

Complaint: I do remember closing this account back in XXXX. I also requested for all accounts using my social security number to be closed, and remaining monies returned to me. Now, I am receiving emails stating I still have funds available, and to use the funds before a " dormant fee '' applies. I have attempted logging into my account, but the site is asking for my card info. I destroyed the card ( s ), in XXXX, I also recall the card ending in XXXX, had an expiration of XXXX, XXXX. Reason why I closed this account, is due to an over sixty day delay in the issuance of monies from the IRS. Also, I was notified from a government depositor, they permanently blocked this cards routing number, due to possible fraud occurring with other clients. It is stating my available balance on the card ending in XXXX is a little over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: On or about XXXX XXXX, I applied for a loan at XXXX XXXX XXXX XXXX. I have a very good credit record and a high credit score. 

I was denied credit on the basis of an Equifax report that there was a fraud inquiry regarding my credit report. When I called Equifax to get to the bottom of it, I was asked to send them a photocopy of the Social Security card and my driver 's license. I gave them every piece of information requested, except as to the copies, I refused. If his file was already the subject of fraudulent activity of some sort, why would I trust Equifax to secure images of my Social Security card and driver 's license? In addition, I believe that it is a violation of federal statute to require someone to use their Social Security card as identification. Consequently, the report stands and I am unable to get credit from XXXX XXXX XXXX. 

The copy of the report that XXXX XXXX XXXX got is attached with my SSN redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: When the housing market took a dive my family and I was affected. We were told to contact the State 's Attorney 's office which in my state of Illinois is XXXX XXXX. We submitted documentation of what happen and to no avail which now is years passing nothing has happen. I kept all original documentation also, email them and no-one has responded. The problem is when things are on your credit you ca n't get any assistance. The lending company we were with was Option One a predatory lender of XXXX XXXX who to this date is still in business. Also, in the state of Illinois I thought a house could n't be sold if there were liens against it. Well that property was sold and now the XXXX mrtg or whatever was taken out against it has been transferred to someone else called XXXX XXXX and it is on the credit and is ruining everything. I have in my possession letters written to modify the mortgage also, there was an offer and it was denied which forced a foreclosure to the home. It 's very hard to move forward with your credit in a disarray. Any help or direction you can provide for my family will greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, Experian , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail.
Sincerely XXXX 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 11/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Advertising and marketing

Complaint: Synchrony Bank Financial keeps emailing me constantly ; telling me to apply for Wal-Mart 's card. They know I am on a fixed income for XXXX They keep sending me these applications to apply and repeatedly deny me. They only check my XXXX score and have run it this year about twenty times inquiries. This really is harassment because they know full well they have no intention of approving me. You can tell what kind of company they are by reading the reviews I included.

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 10/30/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Advertising and marketing

Complaint: Wells Fargo put a furniture company in charge of representing their services, which were misrepresented, I filed a complaint regarding this account and I was immediately contacted the next day to appear compliant, I was told that someone would contact me within 5 business days and gave me his information. He never called and I have left XXXX ignored messages for him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband had filed for bankruptcy back in  XXXX  of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around  2,200 doll ars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.

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 Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: We were required to take out Parent Plus loans because of the FAFSA, we were required to take out parent plus loans to supplement our sons education costs. We borrowed a total of {$21000.00} and the loan has grown by 50 % over the last 5-6 years to {$36000.00}. Even though we have made monthly payments for the last 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Applied Data Finance, LLC (AL).
Issue: Struggling to pay your loan

Complaint: Got Loan fr om company on approximately  XXXX / XXXX / XXXX  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / XXXX .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / XXXX  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharking laws, Cal ifornia, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be able to receive the lo an.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just completed a chapter  XXXX  bankruptcy that included the  XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX    XXXX  home loans should now read closed.  XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On  XXXX   XXXX , a letter for validation of debt, amount presumably owed :  XXXX , was sent  to Medical Data Systems ask ing for a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until debt was validated by me. As of this date  XXXX / XXXX /  XXXX  , I was provided  by Medical Data Systems an Itemized statement that included all procedures, not   coded, which were performed including x-ray info which is a violation of  the HIPAA act. I was not provid ed a statement from the original creditor that would allow release of my medical information to  Medical Data  Systems nor was reporting ceased to all  XXXX  credit bureaus.  XXXX   XXXX  is the original creditor. I have never received a bill from this hospital and had insurance to cover all costs.

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 06/29/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Hello CFPB, I have been dealing with the incompetence of Freedom Mortgage and XXXX Mortgage since XXXX 2015 as outlined in the attached RESPA letter. They really messed up the transfer of servicing. To keep the story as short as possible, everything requested in my RESPA letter has been resolved EXCEPT : Freedom Mortgage 's answer to thousands of dollars in payments I made in XXXX 2015, before the transfer of servicing, was to reverse the payments and send them to XXXX who reposted them as of the date they received them ( XXXX XXXX, XXXX XXXX. 

Now I 'm not an accountant, but it seems that it 's illegal to reverse payments and have them posted months later without proper credit for the interest. 

As you can see by my RESPA letter, I 've spent a LOT of time trying to correct their mistakes. I would n't mind being compensated for that. I figure at least XXXX hours XXXX XXXX {$400.00}. It 's a lot cheaper than if they 'd had to pay my lawyer and court costs.

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 08/25/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016. My second partial payment was electronically transferred to SLS on XX/XX/2016, two ( 2 ) days before the grace period expires. SLS not only charged me a late fee, it has now reported my payment as late to the credit reporting agencies, negatively impacting my credit. This appears to be a violation of Regulation Z, which requires that a periodic payment be credited upon receipt. This is not happening on a routine basis.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 sent IRS Noti ce of Withdrawal of Federal Tax lien to   XXXX , TransUnion and  XXXX  to delete the entry from our records, and they have not.

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

Complaint: I did not authorize inquiries done on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Payday loan debt) with Monterey Financial Services LLC (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This debt is placed in collections on my credit report under Monterey Collections, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Midland Funding, LLC is attem pting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. And a bill from a purchased debt is not a Contract.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) thi s action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports . Midland Funding, LLC are  in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The servicing company for my mortgage has added to the principal balance due. As of this date, the balance should be {$300000.00}. Seterus is adding " fees '' to the principal balance without my knowledge and without providing me any means of challenging this. Seterus is indicating to me that my outstanding balance is {$300000.00}, a difference of about {$1300.00}. It may seem like a small amount. I have been paying, approximately, {$1700.00} a month, every month since XXXX, 2006, on an original principal amount of {$300000.00}. ( That 's {$180000.00} paid on an original {$300000.00} loan. )

Company response to consumer: Closed with explanation