milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EQUIFAX JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EQUIFAX TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! EQUIFAX SIMPLY CAN NOT DELAY THE PROCESS ANY LONGER. 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.

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 EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax is refusing to delete credit inquires that I did n't apply for credit with for the following companies.
XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX They will not delete an account in which I was listed as an authorized user for and it should n't been on my credit report.
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed a collection on my credit report by Diversified Consultants from XXXX, FL. I had never received any information from them regarding alleged account, so I sent them a letter on XXXX XXXX, 2016 asking for verification and giving them my current contact information. I never received a response. I then disputed with the Credit Bureaus asking that they help verify the information or delete the account. The information came back verified, but as a paid collection with zero balance. It was then changed back to having the original balance and a status of " derogatory ''. I still to date have never recieved any communication from this company, nor have I ever paid or had a business relationship with them. The credit report states that the account was from a previous XXXX bill and I have verified with XXXX directly that I have no outstanding balances with them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. XXXXXXXX XXXX REPORTED A BANKRUPTCY REMARK ON MY TRANSUNION CREDIT REPORT. NEITHER XXXX NOR TRANSUNION VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. XXXX DID SEND A LETTER TO ME ONXX/XX/XXXX SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
TRANSUNION INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH TRANSUNION, NO OTHER REPORTING AGENCIES. XXXX SHOULD NOT BE REPORTING FALSE INFORMATION AND TRANSUNION IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 tried on  3 different  occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 let ters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have n ot received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded  to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights.  On 2 seperat e occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.

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 04-02-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I sent this company a request for validation. The company failed to provide me with the contractual agreements and statements that I had asked for and continued reporting the account on my credit report. This is a blatant disregard of my rights. It 's obvious this is frivolous debt which can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 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: Information belongs to someone else

Complaint: I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.

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 07-06-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: I am a Wells Fargo bank customer for the last 16 years. On XXXX XXXX 2016 I used the SurePay program to send money to my XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}. According to the website ( XXXX ) an email is sent to the recipient, they confirm the bank account and then the money is sent to this person. I did this but XXXX never received an email. Apparently since we had do this 2 years previously the money went straight to a previous joint account she had and was no longer on this account. ( It was a joint account with XXXX 's ex-husband XXXX ) Again no email or text was sent to XXXX verifying the correct recipient as the website indicates will happen. 
I filed my 1st complaint on XXXX XXXX 2016. 10 days later it was denied. I filed 2nd complaint and XXXX filed complaints as well. All denied. I involve the XXXX branch manger XXXX. Also denied. This violates the XXXX XXXX XXXX Wells Fargo publishes. ( XXXX ) At this point {$400.00} has gone to XXXX and he is not going to give it back. ( I asked ) The problem is that Wells Fargo did not follow their own published process which would have avoided this error. 
A XXXX issue is this is a clear AML ( Anti-Money Laundering ) issue. Their system allows and facilitates the flow of funds to recipients not listed in the request. The criminal element is likely exploiting this flaw already.

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 01/27/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested numerous times of verification of the amount of a debt SYNCB bank is reporting on my credit report. 

They said they sold the account and have not records to proved the amount or details of accounting of this debt. 

If they do not have any documentation contract, billing etc then they are in violation

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 09/19/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I opened a Lowe 's credit card underwritten by Synchrony Bank/GE Capital. I set up an online account for the card and opted to receive paperless statements, notifications, etc. 

A few months ago, when I went to log on to my account the day before my payment was due so that I could make a payment, it seems my password, as I remembered it, was incorrect. I requested to reset my password, and was told by their server that a password reset email would be sent to me shortly. After an hour I had not received it, so I requested another one which, again, I did n't receive. For the XXXX time, I again requested and did not receive the email. As a result, I was unable to make a timely payment and was charged a late payment fee, which I believe was the point of the obstruction to me resetting my password. 

I was so upset about it that I refrained from using my Lowe 's card for a few months, even when shopping at Lowe 's. 

Then, a few weeks ago, I made a large purchase at Lowe 's and used my Lowe 's card. When Synchrony 's system notified me by email that my payment would soon be due, I logged on to the Lowe 's Card Site to make a payment ( somehow my password worked this time ). Since I no longer had enough funds in the bank account I had previously used to make electronic payments to the card, I added a different bank account for that purpose. The System told me I had done so successfully, so I attempted to make a payment with the newly-added account. I was also told that the payment was successful, though I never received a confirmation email ( and have never received XXXX from Synchrony for making a payment ). 

Then, today -- a week later -- I get a call from Synchrony 's collections department saying that my account is past due and asking if I would like to make a payment. I tell them I already made a payment online, and they say it was never received. I say that I heartily disagree, and ask if they intend to charge me yet another late fee, and they say the late fee ca n't be waived, because they waived XXXX late fee for me before ( when I first opened the account ) and can only waive one a year. 

These incidences speak of a pattern of Synchrony obstructing it 's credit card customers from making online payments in order to collect late fees, which are a major source of revenue for CC companies. From what I 've read in online forums, they have done this to many others besides myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am repaying a private student loan from XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX. My payments are sent via an automated paper check sent out by my credit union through their online bill pay service. The payment due date is the XXXX of each month. The money does not get deducted from my checking account until the check is actually presented for payment and cleared through the ACH, just like any other paper check. 

When I looked at my payment history on the XXXX XXXX XXXX XXXX  website last week, I was startled to see that my XX/XX/XXXX payment was marked as processed on XX/XX/XXXX. I checked my bank account record and saw the check had cleared on XX/XX/XXXX. I looked at the other payments shown on the XXXX XXXX XXXX XXXX website and saw another discrepancy. My payment due onXX/XX/XXXX was marked as processed on XX/XX/XXXX. Again, this payment shows on my bank information as clearing on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to ask about why the processing was not reflecting the actual date these two checks had cleared. They claimed that because I was having these checks sent by my credit union 's bill payment service, the credit union was taking the money out of my checking account at the same time the check was sent, not when XXXX was getting the actual payment. This is false. First, the paper check is being sent by the bill pay service prior to the XXXX of the month - it is sent in advance in order to arrive timely, i.e. BY the XXXX, not ON the XXXX. Second, the XXXX XXXX XXXX XXXX website shows that my payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all processed on the XXXX of the month, which would be impossible if the check were just being sent out on that date. Third, I pointed out that my XX/XX/XXXX payment was processed by XXXX on XX/XX/XXXX, according to their own records, which, if XXXX 's position were correct, would be two days before that check had even been mailed. 

I asked to have the extra interest charges refunded. It is not a large amount, but it is my money, not theirs. If they did n't want to do that, I offered to accept a lump sum credit of {$5.00} for each month that my payment was n't posted correctly, a total of {$10.00}. They refused both of my offers. 

The thing that really bothers me about this is that most people would not notice or understand the significance of the late posting. If every student loan borrower being serviced by this company is having their payments credited late twice a year, like I was, this company is cheating its borrowers by overcharging on the interest on those loans. This is fraud and it needs to be stopped. God knows how much money this could all add up to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Citimortgage ruined my credit. Forced me to sign an agreement or they were taking my house after I tryed a modification. They told me to be late a couple months so they can start the process. In the end after dragging their feet after 8 months they sent the wrong paperwork 3 times, then forgot to book the mortgage in system until the end of the year came and they said I owed they {$17000.00}! The new loan took me from 30 years ( with XXXX paid off ) to a 40 year and {$33000.00} deferred payment. Im trying to refi now this loan and I 'm realizing just how much the XXXX me over. Please help and thank you for your work.

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 02-10-2018 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: Account information incorrect

Complaint: XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: During the process of selling a property XX/XX/XXXX, I was told by the title company that they were unable to get a clear title because a day before the scheduled closing XXXX claimed there was a mortgage default and would not clear the title. As a result {$60000.00} is being held in escrow from the sales proceeds. The mortgage on the property was paid in full in 2003. I have proof in the form of cancelled checks, bank statements, XXXX forms from the mortgage company which correspond to my tax returns, a payoff balance letter form the mortgage company, and a congratulatory letter from the mortgage company when I sent final payment. The original mortgage was with GMAC Mortgage the final mortgage payment was made to them. Due to the banking meltdown, this issue has ended up with XXXX. Lawyers at the title company I 'm working with have contacted attorneys at XXXX and XXXX XXXX, a vice-president at XXXX. They been unsuccessful in obtaining from XXXX what they are claiming the actual default is or any proof that there even is a default. I have called XXXX XXXX VP at XXXX numerous times to only receive voice mail. I have sent numerous emails with the same result. I also went to XXXX in person and attempted to speak personally with XXXX XXXX and deliver supporting documents as listed above. I was n't even able to gain access beyond the lobby of the building. In addition, no one would accept the packet of documentation I had prepared for XXXX XXXX. 
It is now being suggested to me, by the title company, that in order to release the escrow funds I may need to buy a bond for an additional {$900.00}. This mortgage was paid in full thirteen years ago and I have the proof. To pay more now seems ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 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: Information belongs to someone else

Complaint: Hi sent certified letters with in the last three months to all three credit bureaus and have not received a response.

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 08-09-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a couple of medical bill from XXXX Medical Center these accts were paid by my medical ins. I never received bills from the hospital for anything!!! All I knew was when I checked my credit report the hospital had sold my information to a collection agency.Now I do have a copy of the Hipaa Law and I know that anytime your medical information is released without your authorization it is a violation of your rights.These are now reporting on all 3 of my credit files and this is not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient is calling repeatedly. Getting multiple ( 4-6 ) phone calls per day, some as late as XXXX. Generally call twice in a row each time. If the first call is ignored, they 'll call again immediately after. Even when answering the call, they wo n't say anything and it 'll just be silent. They 'll leave silent voicemails when a call is n't answered.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Shopping for a loan or lease

Complaint: I purchased a XXXX GMC Envoy on XXXX/XXXX/XXXX from Drivetime. Repairs started immediately on the vehicle, the first repair was approx a week after purchase. Some receipts we were not given because it was within the 30 day warranty and they would not give us receipts for the work that was done by their preferred mechanic XXXX XXXX. The dates of all the repairs made by XXXX are as follows,XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX.And our portion was {$100.00} each time these repairs were made. And we also had the lift system replaced due to a busted air bag XX/XX/XXXX for {$420.00}, and I paid {$470.00} on XXXX/XXXX/XXXX for repairs to XXXX XXXX because XXXX was unable to complete the repairs that he started. We are advised by the shop that replaced the lift system that the vehicle looked like it had been under water underneath the truck. Well my husband attempted to change the brakes on Sunday XXXX/XXXX/XXXX. He was unable to get the brakes off due to the bolts were rusted on to the truck. The brakes and rotors are COMPLETLY rusted and the brake shield which is steel falls off into pieces to the touch. I had previously ask for another vehicle and was told that is not considered until the cost of repairs total the cost of the vehicle.We are well over the blue book value which is starts at around $ XXXX and the repairs at his point are over $ XXXX! We have photos and video of the rust on the wheel and brake issue. NOW they are telling me they do n't replace unless the cost of XXXX repair has to total the value. THIS IS NOT WHAT I WAS TOLD. I WAS SOLD A LEMON THAT HAS BEEN UNDER WATER! And now I was told to take the truck to XXXX again to look at the rust and brake issue. Now I am being told they will not cover the repair. I knew this would be the issue and I do n't want it repaired I want them see the rust and disintegrating steel and put me in another vehicle. Now it has cost me {$50.00} for nothing other than them to tell me they do n't cover the repairs. Well I knew this! And the vehicle is still not running properly, it seems that the transmission is going out. And of course we are being told take it to XXXX, LOL ... ... I was SOLD A LEMON AND THEY KNOW THIS!

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