milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 recently sent a letter to Equifax asking for information about accounts on my credit report Im not familiar with. I asked Equifax to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Equifax If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Equifax showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. 

Check attached Equifax response sent to me on XX/XX/2018 file number XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. 

Creditor : XXXX # XXXX Creditor : XXXX/XXXX  # XXXX Creditor : XXXX XXXX XXXX # XXXX Creditor : XXXX XXXX XXXX/XXXX   XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time.

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 02-09-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On Tuesday ( XXXX ) around XXXX, I called XXXXGreatLakes to arrange a payment to pay XXXX of my Stafford loans IN FULL. The customer service rep gave me an amount and then took my card info so that the payment could be processed. To my surprise, I checked my online account info and found that this payment amount was not directed to the XXXX loans that I requested, but it was also spread onto my other XXXX loans. My account says that it is paid ahead by over a year, however, my request was to completely pay off XXXX loans, while not touching the others. This request was made well before the monthly due date so there is no reason to apply any type of payment to the other loans, especially considering the payment applied to the other loans included both interest and principle. Whether the payment being applied this way was due to error or due to policy, it is completely unacceptable and the customer service rep acknowledged my intent to completely pay XXXX specific loans ( XXXX with the highest interest rate ) and failed to follow through properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquired various accounts, namely a car loan at XXXX in XXXX CA. They opened an auto loan with Chrysler Capital. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX XXXX and after a thorough investigation it was deemed by the General Manger, XXXX at XXXX as well as the detective with the XXXX Police Department that this loan was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that XXXX Bureaus removed the Charge Off showing under my name with Chrysler Capital and XXXX Bureaus as well as Chrysler Capital are REFUSING to remove this fraudulent information which is preventing me from qualifying for a home loan and other type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: after getting behind 1 payment to wells fargo back in 2011 i  contacted them about a loan mod and givin a person to work with after a year went by got loan mod myself and sister sigined and had noterized they only sent me a copy to sigin she lives in a diff state and instructions saidit had to be sigined on same day.i called fargo about that chould not get any hlp about how we were to sign on same day living 1200  miles apart. so afternot hearing from them left a message with my person who was helping me.I sigined noteryized overnight mail to sister she did same thing and sent in with a {$480.00} fee.got back same paperwork three weeks later. called fargo person and she said because both sigs werent in county home was in they could n't use.that was neverstated in instructionsi i had.she siad she wouldget suppervisior to help get it put through a year later got notice to appear in court fargo keptrunning me to diff people after asking them for new loan mod. igot a limited power of attotney to hlp with sigs but still no help so i went to a lawyer and hes trying to help but still may loose home .this company is the worst run ive erver seen im a XXXX year old vet and feel i have no rights agianst this company.ty

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 06/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I called Ally Bank on XXXX/XXXX/16 for a loan extension I was told it was accepted then from XX/XX/XXXX to date I have been getting collection calls from XXXX something more than 4 a day. I called Ally and spoke to US people three times over 5 hours on the phone with promise of call back and resolution never a call back. The on XXXX/XXXX/16 I posted this on Ally XXXX XXXX called from Florida and said she would call back and never did I left many voice mails. XXXX even asking to do a extension now never a call back

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 01-09-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: SW Credit is trying to collect on a debt that is included in my bankruptcy. The original debt is to XXXX XXXX and they are included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX, a XXXX is working with XXXX and XXXX XXXX in requesting a loan modification for their second mortgage with CitMortgage. The homeowners had been in touch with CitiMortgage prior to my involvement and had received an email from a representative of CitiMortgage, XXXX XXXX by email with a list of documents needed to be submitted. These forms were completed by me, then reviewed and signed by the borrowers. They were submitted by email to XXXX on XXXX XXXX, 2016. I followed by with XXXX on two occasions by phone both times she informed me that she was too busy to speak with me but would call back that day. She returned one phone call at XXXX but did n't leave any message. I finally schedule a phone appt. with her today at XXXX. She called and at that time began to look at the package that was submitted to her 8 days prior. It took her no less than 15 minutes while I was on hold to review the documents. Everything she had put on the list to the XXXX had been provided. The only thing she could find to change was she wanted me to remove my name and contact information from the hardship affidavit. After working with lenders and servicers for the last 7+ years, I have never had one ask for me to remove my contact information on the hardship affidavit. I asked her to submit to underwriting to see if they needed and if necessary I would be happy to provide a new form ( signed by the borrowers ). It 's been a long haul helping homeowners in foreclosure and these type of tactics to delay and not process applications needs to stop. We are only asking that CitiMortgage review the documents and see if they would qualify for a loan modification so that they do n't loose their home.

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 02/26/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Toyota Financial. I was told that I would be able to put the payments that I would miss on the end of the loan, so my account would not go late and would remain current. I was assured by the representative this would not result in me being reported late. It would however, result in my loan being extended. I agreed with the assurance that my credit would not be late. Nevertheless, I was given the wrong information, and Toyota reported my account late. I have tried the last 8 months to no avail. I was duped into extended my loan and the item being reported late on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with Richard Sokoloff, Attorney At Law (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XXXX XXXX I was contacted by a XXXX XXXX who when telling me details of a medical debt immediately became abusive as I explained that secondary insurance was provided to the doctor. She did not even attempt to investigate or validate that fact. started yelling and talking over me. on XXXXXX/XX/XXXX17 She once again became abusive and threatening once I asked her where can I file a counter claim because monies were paid to the provider that should not have been. she became abusive that threatened legal action if I did not immediately paid her. I advised her I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Auto) with CL HOLDINGS LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Car was repossessed in 2009. The account went to a collection company which I paid. Now currently, Jefferson Capitol has recently added the debt to my XXXX and XXXX credit files. I have never heard of or received anything from this company. I paid a different company back in 2009. This company just re-aged a paid account from another debt company and reported it on my credit which I know has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XXXX / XXXX / XXXX , I received a summ ons from my county fr om  XXXX   XXXX   XXXX ,  XXXX  that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on  XXXX / XXXX / XXXX . A  Wells Fargo  business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open  the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into  the Wells Fargo  business checking account on  XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from   XXXX  on  XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation  session did n't take place.

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 01-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My auto-debt amount was change without my permission. I had agreed to an auto debt amount of {$220.00} for my student loans, and this was taken for 5 years straight. Then it was lowered to {$140.00} with out my consent. When I contacted the company, they informed me that the account had been routinely audited and that my current payment would lead me to overpaying the loan before the loan due date. So they lowered the auto debt amount that i originally sign up for. This caused me to pay more interest on my loan. When I called them to get it changed back and to get a reason, it was extremely difficult and time consuming. Not to mention that the only notice I got was at the bottom of an email, and I did n't catch the change for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian has ignored my requests for disputes of incorrect information on my credit report several times. I was sent a letter a few years ago after attempting to dispute inaccurate information on my report stating they wo n't respond to me because they did n't think the letter I sent came from me. I have tried disputing online and was denied for unknown reason. They 're currently reporting incorrect information on my credit report that they wo n't allow me to dispute, because of this I have been denied car loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Managing the loan or lease

Complaint: Citizens One Auto Finance which is my lender has been charging late fees, stating they did n't receive payments for certain months. Or stating they received partial payments and reporting falsely to our, ( my husband and I, joint account ) credit bureaus. We have sent them bank receipts, We have told them we did n't make payment amounts they have us down as making or the dates they have recorded for us. THEY said we have contacted them 8 times and the matter is closed. They sent someone else information to us once. THEY have missing payments on history list, they have sent us. We have sent bank receipts for these missing payments and asked where is the money we paid to them. They just said their records do n't match ours and that the matter has concluded and is closed. {$480.00} is due by the XXXX of each month. We also have a XXXX day grace period before late fees are due. We always send payment by XXXX of month in amount of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is reporting a balance still and currently late when the account was paid and done in 2012! It is affecting my financing. It is inaccurate and in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with equifax. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX  removed the information after being contacted. Equifax has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! Equifax also breached my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this not my credit card w/XXXX XXXX please remove from all XXXX reports. 
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 09/24/2015 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I acquired Stearns Lending as my mortgage company sometime around XXXX 2015. After my XXXX payment, they decided to increase my monthly payments form {$1200.00} to {$1300.00} per month without giving any notice, either written or otherwise. I called and asked them what happened and they told me they would research it. I then bounced around on phone calls back to them before finally being told the amount changed when they bought the loan and it had gone down from what my original loan amount was. I told them that was incorrect. I then looked around on their website and figured out they were collecting way too much money for my property taxes. I then called back and they told me XXXX XXXX, Indiana had given them that number and I would need a tax statement showing the proper amount. This took place between the first of XXXX and the middle of XXXX. I then went to the county assessor and they told me they had no idea where Stearns had gotten the tax amount and gave me a statement. I then sent them the statement on XXXX XXXX via email and received a response that the document was received and they would respond within 10 days of receipt with the corrected amount. I then spent XXXX and XXXX getting bills of {$1300.00} instead of the {$1200.00}, and I called at least XXXX times trying to get this fixed. They kept telling me it would " escalated '' and be fixed. I asked on at least XXXX separate occasions to speak with a supervisor and I would then be put on hold for XXXX minutes only to leave a voicemail, none of which were ever returned. Finally on XXXX XXXX, I called and threatened to sue. They assured me it would be taken care of. I called again on XXXX XXXX and they have finally fixed the amount of taxes, but it still needs to go back to their escrow department, which is n't scheduled until XXXX to review it. My bill is due on XXXX XXXX. This is unacceptable and a terrible way to do business. I do n't even want to do business with them after this fiasco, but it is going to cost me {$3000.00} to refinance. They told me I would receive a check for any money they owe me, but that is n't going to cover the extra interest I am paying on other bills I have n't paid in full due to having to pay them {$150.00} extra each month. Not to mention, they did n't give me a time frame in which to expect my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed several times the validity of XXXX Student Loans that are reflecting late payments that are incorrect. I have disputed the late payments reflecting in my CR that are incorrect. Equifax is not abiding my the FCRA laws therefore violating my rights.

Company response to consumer: Closed with explanation