milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX I sent a fax to XXXX XXXX in the Consumer Affairs department with Equifax to have my student loans information corrected due to Equifax reported two of my student loans in default for XXXX XXXX and XXXX XXXX for these XXXX student loans accounts : XXXX {$1800.00} and XXXX {$1800.00}. I also enclosed the proof regarding the loans were deferred and never in default. I checked my credit report on XXXX XXXX, XXXX and it still showed the student loans being in default in the negative account section of my credit file which has caused a major impact on my credit score due to the fault of Equifax. I contacted Equifax and was directed to Consumer Affairs on XXXX XXXX, XXXX and spoke with XXXX XXXX at that time and the representative stated and assured those XXXX student loans were updated and no longer showing in the negative accounts section because Equifax caught the mistake and corrected. So I check on XXXX XXXX, XXXX to see if the update took place and it still showed those 2 student loans in default and in the negative accounts section and now in dispute which I did not request for those accounts to be disputed because according to XXXX XXXX this was corrected and the error was caught by Equifax to correct what they had done. I contacted Equifax once again and spoke with a XXXX XXXX and she told me that XXXX reported these two accounts as default for XXXX XXXX and XXXX XXXX, which that is incorrect because I contacted XXXX and they confirmed they did not send that information over to Equifax and what Equifax is reporting is incorrect and none of my loans were in default as confirmed by the representative with XXXX. The representative at Equifax, XXXX XXXX stated that it was reported by XXXX and it was in dispute, and I informed the representative that I did not dispute and I was advised these 2 accounts were corrected because Equifax made the error in reporting false information. XXXX XXXX then begin to falsify that I stated I was recording the call and I did not state that, the representative was trying to look for a reason to disconnect the call. XXXX XXXX would not give me corporate information to make a formal complaint about this issue and stated that she was the highest level of escalation and management. She did not give me any management names that is over her and kept saying she is the highest level of escalation and disconnected the call. This has been an horrible experience with Equifax and due to the hack that took place they are not willing to resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The reason for my complaint is a certain account has been " re aged '' on my credit profile with Equifax. The uploaded filed below will show detailed information of my findings. In report confirmation # XXXX labeled XXXX it shows the date of first delinquency as XXXX. On XXXX/XXXX/XXXX the file was deleted from my credit report Equifax confirmation # XXXX labeled XXXX. On the file labeled XXXX, the dispute response it was reported as XXXX as the date of first delinquency. Lastly on my reason for initiating the dispute was that on XXXX/XXXX/XXXX the date of first delinquency is reported as XXXX on file labeled XXXX. After speaking with a supervisor at Equifax I was told to call XXXX where a person named XXXX, who 's identity can only be verified to me as the only XXXX in the recovery department rudely explained my date of first delinquency that he can see is in XXXX of XXXX. I then called Equifax back who after escalating the call multiple times explained that it is okay because it will now fall off in XXXX. She was kind and later explained to file a complaint with the Federal state commission and forwarded me to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (CT).
Issue: Problems caused by my funds being low

Complaint: I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing. 
After the XX/XX/XXXX subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( {$40.00} ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up. 
I moved my checking account to XXXX, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue. 
In XX/XX/XXXX I did a credit check, and got suckered into the " enter your CC number for a free credit report '' scam. I then got seriously ill for 3 months. 
During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. 
This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of {$270.00} on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my XXXX account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my XXXX account just under {$9.00} dollars accrued in the MTB overdraft account. 
I called and said close all my accounts, and never spoke with them again. 
2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. 
They never called me. 
They never sent the NINE DOLLARs to collections. 
I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. 
My credit will be impacted for 8 years because of this travesty, please help me. 
Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a letter stating that I was denied a credit card because they were unable to verify my identity however, I never applied for such a card. I tried to call the number on the letter I received but are unable to get through to anyone other than an automated system. I am worried that someone is trying to get credit in my name. The CC company is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX letter dated XX/XX/2018

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 07-11-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report has the same loan being reported XXXX times. I have a total of XXXX loans being reported XXXX times. So instead of the XXXX loans that I have actually taken out, my credit report is showing XXXX. Each company that has managed my loans has reported them, so XXXX companies. XXXX loans. XXXX accounts showing on my credit report. The most recent loan carrier reporting does not even have an open date for my loans. Then I have one other loan that I paid XXXX years ago and it 's even on my credit report XXXX times even though it was already paid off. So, this other loan, XXXX loan, but showing it as XXXX accounts - and it 's been paid for XXXX years. That 's XXXX extra accounts showing on my credit report that should n't be there. And it 's on XXXX reports that I got XXXX XXXX Equifax XXXX, so I 'm sure it 's just as bad or worse with other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with Bierer Law Group, PA (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: garnishment and false judgement no notification prior to garnishment filed a fradulent judgement with no notification or contact

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Auto debt) with TFC Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a title loan on my car. I fell behind in payments and the car was repossessed. I got the money to come current on my loan and get the car back. Trading Financial called a week later XXXX XXXX XXXX ) asking for the " next payment ''. I told the collector I just got the car back and I would n't be able to pay anything until the XXXX of XXXX. The collector agreed to the arrangement. 7 days later XXXX XXXX XXXX ) I got a call from a different collector who said she saw the notes on the account but the XXXX was too far in the future. I told her it was impossible for me to alter the arrangement because I would literally have no money until then. She said " ok, but collection activity would continue ''. I asked her to elaborate but she just repeated the statement and we ended the call. 6 days later ( Thursday the XXXX ) I got a call from a gentlemen repeating the demand for payment and I told him there was no way I could give anything until the XXXX as I spent everything to get the car back. After several questions by the collector I stated there was nothing I could do beyond what I had already agreed to. The next day ( Friday the XXXX ) I got a call from the same gentleman asking the same questions and asking if I could pay something. I repeated my arrangement and asked if they were going to call every day. He said " the collection activity will continue '' and " I 'll follow up with you Monday ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion Has illegally shared my report with a auto dealership in Oklahoma, nearly XXXX miles away from me. They will not delete " XXXX XXXX '' or the XXXX XXXX lending inquiries. This violates FACTA, and once again shows TRANSUNIONS ABOVE THE LAW MENTALITY. They then list " Promotional Inquires '' despite just pages before affirming and attesting that I AM OPT-OUT FOR 7 YEARS. THIS COMPANY IS AN ANATHEMA TO THE AMERICAN CONSUMER AND SHOULD BE INVESTIGATED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was caught in a loan modification scam and fell behind on mortgage. I paid every penny back to ocwen loan to become current on my mortgage over a year ago. They report that I am in default and still owe them XXXX. That is not true and have been current with mortgage for over a year. Now I ca n't refi because that is on my report

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (FHA mortgage) with Arbor Residential Mortgage LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX my ex husband and I purchased a home. The mortgage was with XXXX XXXX XXXX and he was the only one on the Note. I was not used to secure the loan or added as a co-borrower. XX/XX/XXXX we modified the mortgage and again I was not used to secure the debt and they did not consider me financially responsible for the debt. In XX/XX/XXXX I believe the mortgage was sold to XXXX. We got divorced and the house was to be sold. I listed the house, XXXX was reporting it to my credit. During the process of selling the home it was discovered that I was not on the original Note and XXXX had been reporting it to my credit in error. They removed it from my credit report. XX/XX/XXXX the Mortgage was sold to Seneca Home Mortgage. I work for an attorney and we were helping my ex with the sale of the home. XX/XX/XXXX XXXX started to report the mortgage to my credit claiming that because we did the loan modification in XX/XX/XXXX it added me to the note when infact the modification did not change the terms of the original not and the note that was recorded with XXXX was the same note that they had when the home was first purchased which only had my ex husbands name on it. I have spoken to people at XXXX and XXXX and they have said I am not responsible. I did not sign or fill out the modification paperwork. I have written to Seneca and provided them with all the information I have from XXXX and XXXX and they are refusing to remove this debt from my credit. In the second letter I sent to them the basically responded saying that they will no longer entertain looking into the issue and as far as they are concerned I am responsible. I need help. I know I am not financially responsible for this loan and I want them to remove it from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Installment loan) with U.S. BANCORP (PA).
Issue: Shopping for a loan or lease

Complaint: Elan Fin Svs, Open an account in my name for {$1700.00} and said I paid them {$80.00} to open the account. I do not know anything about this account. I need some help with this problem, this is causing me trouble with my credit report. I think this was done on purpose the hurt peoples credit. How can someone open an account in your name without your permission?

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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have b een complaining to the company and the CFPB for years about the lack of annual fee notice and Capital One 's fees. For some reason, they have listed my previous balances as mainly cash advances. However, I have not made any cash advances in about a decade ( 10 years ). They have been charging for purchases and also labeling them as cash advances. I have not had any cash advances in a very long time ; cash advances fall in the 25 % interest rate. There is no way I have had a balance of cash advances for over  {$2900.00}, I only spent money on purchases, and only a few cash transactions years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Financial Accounts Service Team Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Financial Account Services on XXXX/XXXX/XXXX to pay off an account originally through XXXX to XXXX. I was told the account would be deleted on XXXX/XXXX/XXXX. When it was not, I called back and they stated they report on the 1st of every month. 3 weeks later and there is still not a change. I called Financial account services and spoke with XXXX who was very rude and told me I need to figure it out on my own. I asked to speak with someone higher up and was transferred to XXXX in the legal department who told me they do not do deletions and do not have a certain day that report to the credit bureaus, that is done randomly. I believe this to be a lie. I 've never dealt with a company that does not have a specific date they report. A month later, even if that was true, my account is still showing a balance of {$340.00} which is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or about XXXX 2016, I began receiving collection calls and letters regarding credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuers to close the accounts or remove the charges. At the time I believed contacting them and telling them about the identity theft would end the collection attempts and that my credit report would be amended to reflect this occurrence. Synchrony Bank has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Synchrony Bank will be pursued if all negative information is not removed from my credit 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 monetary relief
Consumer complaint received 01/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Billing disputes

Complaint: Capital One has charged me over {$90.00} in late fees. I 've contacted them multiple times to resolve the matter and have been reassured by team members hat the issue is resolved yet they continue to charge late fees to the account. This account has been closed out for several months at this point and I 'd really like to have this matter resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (AZ).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Final Payoff of HELOC Account Number XXXX To Whom This May Concern : I am reaching out to the CFPB since I recently paid off our Home Equity Line of Credit ( HELOC ) with the life insurance payment from my husbands XXXX. 
Much to my surprise, Wells Fargo also charged me the accrued interest of {$520.00} ( 28-days ), and required I pay this monthly interest, which was included in the final HELOC payment. Additionally, an automatic, system-generated payment of {$510.00} was deducted from my checking account. Essentially two interest payments were made, totaling {$1000.00}. 
The final payoff balance and interest information was obtained from XXXX at the Wells Fargo HELOC Customer Care Line XXXX. 
Reference Number : XXXX Date Amount Explanation XX/XX/XXXX {$160000.00} HELOC Principal Balance Appearing Online XX/XX/XXXX {$18.00} Interest Accrued Daily XX/XX/XXXX {$10.00} Recording Fee XX/XX/XXXX {$520.00} Interest Payment ( 28-days ) charged ; included in the final payoff figure XX/XX/XXXX {$160000.00} Final Payoff Balance obtained via Wells Fargo HELOC Customer Care Line XXXX XX/XX/XXXX {$510.00} Automatic, system-generated payment deducted from checking account I made the final HELOC payment of {$160000.00} on XX/XX/XXXX. Not only was an interest payment of {$520.00} included in the final HELOC payoff figure, an automatic, system generated payment of {$510.00} was deducted from my checking account four days before on XX/XX/XXXX. 
I am requesting a refund of {$1000.00} which is comprised of : {$520.00}. XXXX interest payment ; included in the final HELOC payoff figure {$510.00}, automatically deducted payment from checking account. 
I understand there is a {$10.00} recording fee, and I am fine with paying the recording fee, however this additional {$520.00}. XXXX interest payment, and the automatic deduction of {$510.00} totaling {$1000.00} should be reimbursed to me. If a car loan is paid off, the principal balance is paid in full ; a monthly car loan payment is not required in addition to paying off the loan. 
We have been loyal customers of Wells Fargo, and have done all our banking with them since XX/XX/XXXX. I should not have to pay a monthly interest payment when I am paying off our HELOC, especially due to the extenuating circumstances of my husbands XXXX. These interest payments should be reimbursed to me. 
What is the CFPBs stance on this situation? Is Wells Fargo justified to charge a monthly interest payment when a substantial loan is being paid off in full? There is not supposed to be any pre-payment-penalty. Enforcing payment of the monthly interest, is as if I am being penalized for paying off the HELOC.

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 04-07-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Around XXXX of XX/XX/XXXX we were 2 months behind on our mortgage payments. We were told that we could apply for a modification and so that 's what we did. After being told we qualified for {$70.00} less on our normal payments for 3 months, we were also told to not make a payment until XXXX XX/XX/XXXX. Under this plan we would be protected from foreclosure. We were then told after these 3 months, if we paid on time there was a possibility it could be lowered more and become permanent. While {$70.00} was n't going to help us very much, we decided to accept this trial period in hopes of further help in the future. However, what we did n't know was that we would also be accumulating unpaid months and after our trial period was up we would be further behind and in worse shape than ever. We now are 6 months behind because of this so called " help '' we received. I do n't see how this was supposed to help us at all. We did everything were told to do only to find later that it has hurt us beyond help. We are now concerned about losing our home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am currently disputing XXXX XXXX XXXX with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of Equifax months ago and I was trying to get it off of XXXX and XXXX via CFPB. Not only has XXXX XXXX XXXX not removed the account from XXXX and XXXX they actually added it back on to Equifax after it has already been deleted and the executive director of XXXX XXXX was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit.

Company response to consumer: Closed with explanation