milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (WA).
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: Paypal credit made a hard inquiry to XXXX recently. I have contacted them to remove this hit to my credit, and I am having issues getting it removed. I have requested no credit line from them in several years. The person I spoke to advised there is no wat for him to remove this. Now, I can only hope to go through XXXX to get it removed, and who knows how long it could take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (OH).
Issue: Account opening, closing, or management

Complaint: I recently was asked by a friend who is a banker, and, had just started a new job at U.S. Bank, if I would be willing to change my business banking to her bank. So we met and I thought I had agreed to open a business checking account and credit/debit card account. Over the next six weeks, I received multiple mailings from U.S. Bank with multiple new accounts. So far, I have counted XXXX different account numbers with variable balances. For most of these, I have no monthly statements. Needless to say, I have not activated the credit cards, except for the first credit and debit cards which I had requested. I spoke at length with them yesterday but was unable the resolve the issue.

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 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Found a hard inquiry affecting my consumer credit report from '' Experian XXXX '' Dated on my consumer report dated XXXX XXXX 2015. NEVER asked Experian XXXX or their assignees for business 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 05/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Credit determination

Complaint: In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my XXXX report was frozen and not able to be accessed. However, my XXXX and XXXX reports were not, and now have a total of XXXX hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially, not XXXX. As a result, while applying for another card I was denied. On the adverse action letter it stated the reason for denials was " too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a complaint to Experian, XXXX and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/XXXX and I also faxed it on XX/XX/XXXX. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.

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 05/15/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Under Associated Addresses, Equifax report, wrong address is listed ... have never ever been to that state!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: This is a fraudulent account that I never applied for in my life. It was under my maiden name, there 's like a {$400.00} something balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams, Rush & Associates, LLC (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XX/XX/XXXX, I called William Rush and Associates concerning a debt that they are reporting on my credit file. I called and spoke with a XXXX around XXXX CST. I asked XXXX if I could make a payment arrangement on the debt that they claim I owe. She gave me XXXX options, XXXX to pay in full ; XXXX to pay a settlement amount ; XXXX to pay 25 % of the original debt and make monthly installments. I told XXXX that I was unable to pay any of the amounts that she had provided and that I was willing to pay {$100.00} towards the debt and make arrangements afterwards. XXXX informed me that if I did not pay the debt by XXXX the following day then she would " advise her client to move forward with theft charges. '' I told her that was unecessary but I still did not have anything close to the amounts that she was requesting for me to pay. She further stated that if she advised her client to move forward with theft charges that there would be an additional {$1500.00} added to the overall debt amount owed. I told her that I did not have that money but I am willing to pay {$100.00} towards the debt and she again told me that I had until XXXX on the following day to pay or she would advise her client to move forward with theft charges. She further advised me that I have credit cards that have {$1000.00} balances, I have a car loan, and I have student loans that were showing paid on time and that I needed to call them and ask for a credit increase and tell my car loan servicer that I needed to skip a payment in order to pay William Rush & Associates. I told her that I only have {$13.00} available credit on the credit card and that I do not have anything other than what I told her I had. She then told me to call my family members, clergy, etc. in order to gather the money to pay. She further stated that I have been attempting to purchase something since XX/XX/XXXX and I needed to pay this debt prior to purchasing something else. I ended the call. Shortly thereafter, at XXXX I called back in hopes I would get a different representative and was connected to XXXX again. I asked her about the payment arrangements options that she had originally given me on the first call and she repeated them. I asked her if there was anyway to pay next week and she stated that I had until XXXX tomorrow in order to pay or she would advise the client to move forward with criminal theft charges. I told her that I did not have that amount to pay and that she did not have to wait until XXXX tomorrow that she could advise the client to move forward with theft charges right away. She said that she would and ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: Citibank called the merchant and discussed my dispute without my knowledge or discussion of my issue. They then notified me of the " settlement ''. 

I closed the account. Not likely to ever use them again no matter how low or long the 0 % rate is.

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 09/27/2016 about Consumer Loan (Title loan) with Westlake Services, LLC (CA).
Issue: Can't contact lender

Complaint: Had a title loan, paid off the interest and trying to pay on the principle as agreed. After the first payment on the principle, they decided to change the rules and make me pa the principle off in whole- liars!!! Can not get in touch with anyone at this point nd they said the car is in repossession mode-

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (AR).
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: My ex had a bank account with  XXXX   XXXX  in Arkansas  in 2014 tha t was overdrawn and he never paid it off. I was an authorized user on the account. The amount is {$700.00}. I went to the bank to pay it off on several occasions and they say that my name is not on the account and I am not allowed to pay it off or even make a payment on the debt. But the account is on my report.

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 05/22/2016 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They placed a collection on my credit report of XXXX office copay. 
My ex wife paid the copay when she got the bill. 
My ex wife took my daughter to hospital. 
I had no idea about the copay. BUT they placed a delinquency on my credit report without verifying the debt. They placed a XXXX collection. My wife paid it directly to the hospital after she got the bill. 
But they are harassing me the collection company and refused to remove the collection from credit report 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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with Experian, XXXX   and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow-up complaint for Case Number : XXXX. Nationstar stated our loan is involved in an active bankruptcy. This is no longer true. We are asking Nationstar to update their files concerning the address of our property so we can refinance the mortgage with a different company. Although Nationstar has updated their records they refuse to cooperate with XXXX in updating the address correction. This complaint is regarding their servicing or our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased our primary home in 2007, with a hefty down payment. Right after the purchase of our primary residence, the bottom fell out of the market, and we were unable to sell or refinance. We have been working hard to make our payments for the last eight ( 8 ) years to keep our home in spite of our many troubles and have kept our credit score in the XXXX to XXXX range. 
Our loan is a " Pick-a-Payment '' loan which was previously under World Savings Bank, and was bought out by Wachovia just prior to our loan. We have been told that these loans are the reason why Wachovia Bank failed and was bought out by Wells Fargo. 
This loan allows us to make XXXX ( XXXX ) different payment amounts ( less than interest, interest only, standard 30 year P & I payment, or 15 year P & I payment ). We have been paying less than interest because that is all that we have been able to afford due to our other expenses. There was a court case that provided relief for delinquent borrowers, but did nothing for us, unless we were to stop paying our mortgage. 
Since we purchased our primary home, we have struggled to make the negative amortization payments, due to the many unexpected expenses and job losses that we have had. Our loan negative amortization payments have increased to almost double what they were originally due to the added mortgage interest to the loan amount. 
Our loan will go to standard full P & I payments in less than two ( 2 ) years, and we will surely fall into foreclosure. We are trying to be proactive, because we see the lights coming towards us in the tunnel, and foresee the train wreck that is about to occur. We want to preserve our good credit rating, as well as our most important assets, our home. 
We were denied a loan modification on our primary home under HAMP. We appealed due to how the monthly housing expense was calculated. We believe that Wells Fargo has incorrectly calculated our " monthly housing expense '' as {$3600.00}, and that it should be calculated as follows : Principle and interest payment on our first lien mortgage {$3900.00} Property taxes {$490.00} Hazard insurance premiums {$160.00} Escrow shortage payment {$1300.00} Homeowners Association Fee $ XXXX Monthly Housing Expense {$5900.00} According to the Wells Fargo letter, to qualify for a Tier 1 loan modification, we are required to have a monthly housing expense of equal to or more than 31 % of our monthly gross income of {$17000.00} which comes to {$5400.00} ( {$17000.00} XXXX {$5400.00} ). Our monthly housing expense is {$5900.00}. Thus, we do qualify under HAMP Tier 1, as we have a monthly housing expense of more than 31 % of our monthly gross income. Using the calculated monthly housing expense above, we have a monthly housing expense of 33.5 % ( $ XXXX {$17000.00} = 33.5 % ) of our monthly gross income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 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: Account status incorrect

Complaint: I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax and XXXX say I must mail in sensitive documents before I can get my credit report. Deed, Social security card, copy of drivers license etc. XXXX had errors in education and employer, and locked me out when trying to update for my " protection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello. I just read that Naviet has been hit with a law suit filed by you, the Consumer Protection Bureau for many, many objectionable practices. I currently have a loan with Naviet, which originated with XXXX. The loan was originated in XX/XX/XXXX and it was a consolidation of my student loans and my then husband 's student loans. 2 years later we divorced. XXXX/Navient have refused to release us from the consolidated loan and to create individual loans based on what the courts approved in our decree. I have made this request repeatedly to XXXX and Navient to no avail. I have worked for the XXXX for almost 29 years. I applied for the service worker loan forgiveness program but was told that our particular loan " does not qualify ''. No reason was given. I have taken my ex-husband to court to enforce the decree because he continually refuses to make payments. This has not helped either. The original loan amount was {$48000.00} and we currently owe {$30000.00}!!! How can that be after 21 years of payments?! During the course of my education I was issued other student loans and all of those loans have been paid in full -- YEARS ago! I am seeking help in getting released from the portion of the loan that I am not responsible for -- 65 % plus late fees and additional incurred interest from the lack of payment from my ex-husband. I believe that Navient/XXXX have refused to reissue the loan to us independently because they are making so much money off of the loan as is because of my ex-husband 's lack of ability and/or willingness to pay. If the loans were separated I would pay my portion off completely which would reduce their income because they would be unable to continue to charge me interest and related fees. I 'm willing to pay what I owe but I would like what is stated in my divorce decree to be what is reflected in a new loan agreement. I have been asking for this since my divorce was final in XX/XX/XXXX. Is there anything you can do to help as I try to navigate and correct this issue? Thank you in advance for any help that you can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XX/XX/XXXX due to high pressure sales tactic, we purchased a week from the Time Share company called XXXX XXXX XXXX ( XXXX ). However, we were given 10 days to cancel. But as we tried to cancel on day 8, our calls or emails were never returned. After several attempts we simply resolved to use time share which we did briefly. However, our finances would not allow us to keep this product. So we hired XXXX XXXX XXXX ( XXXX ) to assist us. We were able to settle with XXXX. We have documentation which states that if we sign back over the property deed to XXXX within a certain time period, ( before XX/XX/XXXX ) 'you will be released from any further liability under the note. However, if we do not receive the notarized documents before this date, foreclosure proceedings will begin. ' Unfortunately, XXXX acting in our behalf, failed to send us the necessary prepare in time, stating there was an oversight on their part, and as a result, XXXX proceeded with a foreclosure on our account and submitted to Experian. We tried several times to get this matter resolved with XXXX and with Experian stating that since there was no financial judgment, there must NOT be a Foreclosure statement on our credit report. Having such is preventing us from refinancing our home, which we desperately need to do!!

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