milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX XXXX # XXXX XX/XX/XXXX -- / -- XX/XX/XXXX {$7800.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I signed up with XXXX to rehab my loans and apply for loan forgiveness. They drafted my checking account {$140.00} for 9 months ( meanwhile they were to approach the board of education on my behalf ) Nothing was done and now I am afraid of garnishment or liens ). Is there any way to get my money back from these scammers?

Company response to consumer: Untimely response
Consumer complaint received 08/17/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Application processing delay

Complaint: I asked Citi Bank executive response unit to delete their inquiry off my XXXX credit report because I wanted a business credit card not a personal credit card & they used my social instead of my EIN. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Hello CFPB, I am sending this complaint to your office in hopes to resolve a credit reporting error with Trans Union. Between the months of XX/XX/XXXXand XX/XX/XXXX 2016 I sent a written dispute to Trans Union to for them to remove a collection account that was reporting by XXXX XXXX XXXX XXXX XXXX . I advise in the letter that the account reporting was an error and that collection agency have forwarded them information to delete the file from their records. After sending Trans Union my dispute letter and a letter from XXXX XXXX XXXX XXXX XXXX stating that they have instructed the credit reporting agencies to remove the account, the account still is reporting on my Trans Union Credit report. Please see below.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: Equifax after several complaints about incorrect information involving   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   XXXX   Equifax keeps opening closed accounts and showing us as overlimit on a closed account while I and my wife are in chapter  XXXX  bankruptcy. the following is occurring without proper correction,   XXXX   XXXX   should be open and current and is showing closed and  one  missed payment we have never been 30 days late ever on it,  XXXX   XXXX  showing open and current they are closed and part of chapter  XXXX  to be discharged when chapter  XXXX  completed.   XXXX   XXXX   started open and 109 percent over the limit now its shows closed and  109  percent over the limit. all this is totally incorrect and driving my credit down below what it should be with misinformation. and after continually disputing them all the they can find is the debts are mine. well duh they refuse to make the correction without admitting errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Mortgage (FHA mortgage) with ACADEMY MORTGAGE CORPORATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: My credit history was accessed ( Hard Credit Hit ) without my permission. I received a call from XXXX XXXX with Academy Mortgage, a mortgage lender whom I told I could n't talk. He said he would email me for the information he needed and I agreed and he subsequently ran my credit but never mentioned it and never implied that he was going to pull my credit. As I am sure you are aware this had a negative impact on my score and I am in the process of disputing it with the bureaus and the service he used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in 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 02/14/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.

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 05-01-2016 about Bank account or service ((CD) Certificate of deposit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: About three years ago, in order to help my daughter refinance her car loan, I opened a Certificate of Deposit ( CD ) Account with USAA Federal Savings Bank ( USAA ) routing # XXXX. Since opening the CD there had not been any particular noteworthy events concerning the CD. However, during the past weekend I noted unusual activity for the CD in terms of interest payments. On XXXX XXXX, 2016, I contacted USAA to inquire about interest payments being credited and then simultaneously debited to my CD. Specifically, without written or verbal explanation the crediting and then debiting activity occurred on the dates of XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

When I contacted USAA, I was asked by the USAA representative if I had recently opened any new USAA accounts and had not provided a signature card to which I replied no to both questions. While on the phone, the USAA representative asked me to hold several times while she checked on my account status. After this had gone on for about 25 minutes, it appeared there was not going to be a timely response to my inquiry ; I asked the USAA representative if it might be possible for her to call me back. I noted that I was expecting an important call from the U.S. Department of Veterans Affairs that I could not miss. Both the representative and supervisor seemed indifferent to the fact I was a XXXX Veteran and needed to communicate to the Department of Veterans Affairs that several of my prescriptions needed to be refilled promptly. 

The USAA representative stated that she would not be able to call me back and that I must continue to hold on the phone until she had resolved the issue with my CD account. I then asked to speak with a supervisor and stayed on the line for another 10 minutes waiting until the connection with USAA was lost. Thinking that someone would call me back ( the USAA representative had already asked for my identifying information and thus had access to all my contact phone numbers ), I waited about 30 minutes before calling USAA customer service and asked to speak with a supervisor. I was told by the supervisor, that USAA implemented a policy about three ( 3 ) years ago whereby it does not call customers back to provide information concerning their respective accounts. 

At present, I still do not know why, unlike in the past, I am not being credited with interest to which I am entitled for my CD account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America , N.A . also know as BAC Home Loan changed the loan/account number without my consent. Foreclosed on my home under loan number that is not under the contract we signed.

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 06/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: COSTCO XXXX & OPM SECURITY FAILURE. As a federal employee affected in the Cybersecurity Incident XXXX XXXX XXXX notice I was supposed to have a lock on credit. In XXXX XXXX I closed my COSTCO XXXX XXXX account. I asked at the XXXX XXXX store and was assured they would not issue another card. 
I am in receipt of a Citi COSTCO VISA card valid to XX/XX/XXXX, credit limit {$9300.00}, ending in XXXX. 
How was my credit report available to Citi VISA? 
Did XXXX violate my privacy and give my closed AMEXP credit information to Citi XXXX? 
How did the OPM cyber watch dog program fail? 
Did the lock ( XXXX XXXX ) on the credit firms ( XXXX, XXXX, XXXX ) all fail? 
How can Citi VISA just issue a credit of {$9300.00} to me without my request or permission, or any security on that credit? 

Which firm, COSTCO, XXXX XXXX, Citi VISA, is responsible for issuing a line of credit to XXXX XXXX without her knowing, is n't that ID theft? 
Who is using the XXXX XXXX account that I closed? Who accessed that account and how did they access that account?

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My mortgage is with XXXX. In XXXX, I asked that my escrow account be returned due to missed payments for real estate taxes. At that time, I ceased paying the escrow amount and have made the principle and interest payments on a timely basis. I have made all payments for real estate taxes and insurance, but XXXX has been applying my mortgage payment to escrow or just not applying the payment at all. The result is an escrow account of over {$4000.00} which should have been applied to the mortgage. XXXX is reporting me as over 120 days delinquent. I have provided Equifax with copies of my cancelled checks and they refuse to correct the situation. 

In addition, the phone number provided by XXXX to follow up on this issue is incorrect. My payments have resulted in my FICO score going from XXXX to XXXX. The only blemish on my credit forever is XXXX. I was never notified they were drastically reducing my rating nor did they provide me with the opportunity to refute the reporting. The system defies reasoning and does not protect the consumerI have documents which have been provided to Equifax, but can not up load them. Give me an address and I can mail the hard copies

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Law Office of Charles G. McCarthy Jr. & Assoc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In the process of buying a house this came up on my credit report. I had no clue what the debit was for so I called the collection company, The Law Office of Charles G. When I called the receptionist was very rude including cursing at me when I refused to give him additional personal information. I asked for a statement for the debt I owed I was told unless I provided more personal information I " could XXXX XXXX  '' The receptionist did eventually tell me that the original debt was from XXXX XXXX for a furniture lease/purchase. I have never bought furniture and applied for a loan/leased it. I have also never heard of this company. The collection company had my name and SSN but was unable to verify my correct DOB, phone number, employer at the time and correct address at that time. According to XXXX   credit reporting the account was opened with The Law Office of Charles G onXX/XX/XXXX and the owed amount is {$1600.00}. The original opened date of the account was XX/XX/XXXX. The address in which they provided I did live at but not until more than 6 months after the account was supposedly opened. I researched both companies and both companies have multiple accounts of legal action regarding fraud in which the companies have lost the suit. XXXX XXXX have over 900 complaints of this same issue for failure to verify identity. I have never received any calls, letters, or attempts to collect a debt from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I  will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Student loan (Federal student loan servicing) with MOHELA (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XXXX, my federal Student loan amount was XXXX Capitalization occurred with brought my balance to {$49000.00} an increase of {$5900.00}. 
My other loan had a balance of $ XXXX after Capitalization, the amount went to $ XXXX increasing by {$2300.00}. 
Both of my loans in XXXX had a combined amount of {$54000.00}. I was on a payment program at this time with my previous loan servicer. 
In XXXX my student loans were transferred without my permission or knowledge to Mohela and Mohela immediately added almost {$10000.00} to my balance. 
From XXXX XXXX, Mohela put me in 5 forbearance which I did not request or sign for, in fact, the last forbearance in XXXX I specifically told them that I did not want a forbearance to switch to a different payment plan, and I was told that if made an extra payment that I would not have to have a forbearance. I made the extra payment, but they put a forbearance on my account anyway and added {$28000.00} to my balance. I have been in a payment plan and making payments since I was forcibly switched to Mohelia. I called them to discuss it and they told me I shouldnt worry about it because in 20 years, it would be forgiven. 
The reason I switched payment plans in XXXX was because they told me I would have a lower payment and I would have loan forgiveness in 20 years instead of 25 years. They now tell me I dont qualify for that 20  year program. I think they just enticed me to switch so they could add over {$28000.00} to my balance. They did not tell me that they would be doing this or that switching payment plans would result in me owning almost {$30000.00} more. 
According to Mohela, I now owe them XXXX XXXX XXXX which I dont feel Ill ever be able to pay off. They have effectively ruined my credit with all of their forced forbearances and added capitalization. Nobody will lend me money now I cant buy a car or a home, even though my credit was nearly perfect before this. 
I thought the whole idea behind payment plans was to help people with their student loans who couldnt afford regular payments. My college education ( I graduated in XXXX ) which originally started at less than {$50000.00} has now almost doubled because of this. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am the personal representative for an Estate. I contacted Macy 's on XX/XX/2016 when my friend became incapacitated. I hold POA and was advised to send a copy of POA to XXXX XXXX XXXX XXXX GA XXXX - it was returned undeliverable. I called Macys again on XX/XX/2016 ( my friend passed on XX/XX/2016 ) I asked the account be closed a copy of the bill send to my attn. for payment. I called again on XX/XX/2016 confirmed acct was closed and again, requested final bill sent to me. I followed up today XX/XX/2016 and spoke with XXXX in probate. She transferred me to Extension Point, XXXX XXXX - a debt collector. I again, asked for a copy of the bill and a good remit to address. He collected info as a debt collector and advised he would contact my attorney. So now the estate will be paying fees to my attorney to get this bill paid. I have tried to pay the bill and Citibank should be fined for making this so costly for the estate.

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