milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 was notified by a credit monitoring company that a collection was placed on my credit report. 

I reviewed the entry, although Equifax locked me out of my report when I tried to double check the report for some odd reason. ( the website claimed that I answered the identity questions wrong ... which is not correct.. Verified against my actual credit report they provided me. So their system was either having an issue or the validation database it compares the answers to is not correct. ) At any rate I was eventually able to get through to the report to file a dispute on the account in question. ( it has already been resolved with XXXX, and XXXX who both also investigated this same account and deleted it already. ) However Equifax online dispute process has only limited general options to explain your complaint. ( this account really does not fall under any of them ... Because it was paid to the original hospital not to who ever this collection agency is that is called XXXX XXXX. Whom I have never heard of before it put an entry on my credit reports. ) So the closest check box option on the dispute submission that came close to covering what the problem was " I have no knowledge of this account / it is not mine. '' So this is the box I checked. 

Next came the whole complaint submission process, during which time I seen no way of uploading any supporting documents. ( I was able to submit supporting documents with my dispute to XXXX, and XXXX which helped them resolve the dispute. ) Then Equifax conducted some kind of investigation.. and sent me the attached results. 

Which resulted in them updating the collection to being paid, and according to the results they verified that it belongs to me and is owned by some company named XXXX XXXX 

Which if they are reporting accurate information : They are saying that I paid some company named XXXX XXXX for my XXXX Hospital bill for visit XXXX with a service date of X/XX/2015. 

Which is obviously in accurate by the attached receipt, and screen capture of my XXXX Hospital balance for the visit in question. 

The receipt XXXX hospital sent me clearly states " XXXX XXXX XXXX, XXXX Hospital '' on it. 

I want to know how they verified this account was allegedly paid to a collection agency when the receipt clearly shows it was paid directly to XXXX hospital directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The company Commonwealth Financial Systems reported to my credit a debt which is outside the statute of limitations for collecting medical debt and they also did not sent me any notices about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: here is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have a credit card account with Capital One for 5-6 years now. While I haven't used the card much in recent years, I keep getting monthly e-statements from them in my email inbox. 

On XX/XX/XXXX, I decided to login to the online account just to check things, and saw a banner there saying my account had been closed without me asking for it to be closed, or getting any notice. I initiated a chat with their customer support, which was quite frustrating with them giving me stock responses without explaining why they closed my account without even giving me notice. 

They claim they sent a notice to me 90 days before account was closed on XX/XX/XXXX. Interestingly this is at odds with what another representative told me earlier in the conversations, that notices had only been sent out XX/XX/XXXX, not even giving it sufficient time to reach me. I repeatedly told them I did NOT receive any notice, and that I had updated my new address well in advance of them sending any notice. After a lot of annoying back-and-forth, they admitted that the notice may have got lost in the mail, and so I asked them to re-open my account that was already there. 

They kept saying they couldn't do that, and that I can apply for a new account. Clearly after this experience I have no intention of applying for a new account. But my existing account being closed without even giving me a chance to take corrective action can have serious impact on my credit history, and is highly irregular on the company 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I signed up for XXXX cable and internet services in XXXX 2016. I called and cancelled before they could come and install anything because I found a better deal at XXXX. I check my credit report and XXXX sent me to collections for installment equipment they supposedly sent to my house which I never received. I called them. They told me to file a claim with XXXX which I did. Claim was issued and approved. XXXX still wo n't take their hit off 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 explanation
Consumer complaint received 05/24/2016 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have recently become aware that I am a victim of identity theft. XX/XX/2015, approximately XXXX 2015, there were several ( XXXX ) credit cards opened under a different name while utilizing my social security, date of birth and a different address that are not mine nor ever have been mine. I have tried to communicate with this company and between either only being able to speak with someone that basically speaks very broken English, I have seemed to gain no traction. I have also contacted XXXX, XXXX and XXXX to dispute with them accordingly in hopes to help expedite the removal of this information from my credit files.

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 11-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Me like XXXX students that graduated from XXXX XXXX University located at XXXX XXXX FL is suffering the enourmous consequences of the student private loan nightmare. I graduated in 2008 XXXX and I was never able to get a Job on the field. The school promissed to help students get a Job with promising leads, leads that I never got, I have called many times to the so called XXXX XXXX department to get leads and the only leads I received y any, were internships. My question is how are you supposed to pay {$120000.00} on an internship. The worst thing is that Private Student Loans will not give you a break or come to an agreement, all they need is you to pay a monthly payment that is so high and unrealistic how can someone on XXXX dollar an hour job pay {$1000.00} a month on private loans. Please help I am desperate and tired of receiving collection calls on behalf of Salie Mae

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Private student loan) with ACCESS GROUP INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX and XXXX of XXXX The Access Group states I defaulted on loans and turned loans over to XXXX XXXX for collection. These loans have been consolidated numerous times and I believe I am already paying on these loans and are not in default on my payments. I reached out to the Access Group for proof that these loans have not been consolidated into my current payments, they refuse to provide any proof or documentation that these loans have not been consolidated. Since I was turned over to collections I have had a negative impact on my XXXX XXXX and have been denied new loans applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX/XX/XX/XXXX, I refinanced my Wells Fargo mortgage to a fixed rate of 4.125 % that matures in XX/XX/XXXX and has no prepayment penalties. Since, XX/XX/XXXX this newest misapplication of my mortgage payments issue has existed. The bank has attempted to falsely foreclose on my home. By Wells Fargo falsely CLAIMING : ( 1 ) past due mortgage payments up to 2-5 months ; ( 2 ) demanding the refinancing of my 15-year mortgage to one of their 20, 30, or 40 year to pay for two months ; ( 3 ) two years of past due and late mortgage payments to the credit bureaus ( e.g. XX/XX/XXXX reported serious delinquency of 11 months ) ; ( 4 ) loan falsely placed into the foreclosure department ; ( 5 ) often forced to make 2-3 months of payments within 30-days to avoid immediate foreclosure ; ( 6 ) advance annual early escrow prepayments or buydowns of upwards of {$2000.00} ( above mortgage payments ) ignored ; ( 7 ) mortgage payments often misplaced into principal, escrow, etc. ; ( 8 ) numerous late payments created by reversing, hiding, or splitting my advance mortgage payments ; XXXX 9 XXXX their information correct despite two-years of communications ( e.g. letters, cancel checks, phone calls, faxes ) ; ( 10 ) refusal to mail me monthly mortgage statements ; ( 11 ) consistently wrong balances due shown on mortgage statements, bank letters ( because statements not mailed ), or sending multiple monthly statements in a month ; ( 12 ) that my account was being handled by the bank president 's department ( but unsuccessful ) ; and more! On XX/XX/XXXX, I received their ( XX/XX/XXXX ) letter that read : " Wells Fargo Home Mortgage is pleased that you were able to successfully overcome the challenges you faced when your mortgage loan was previously in a default status. '' Two check payments on XX/XX/XXXX ( # XXXX ) and on XX/XX/XXXX ( # XXXX ) each for {$1200.00}. Regardless, the XX/XX/XXXX bank statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The first XX/XX/XXXX statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The second mortgage statement, dated XX/XX/XXXX ( with {$280.00} in unpaid fees ), plus an extra {$41.00} in late fees. These two-years of injustices will marks its three-year anniversary in just couple months. Yet, it is still not settled. I have extensive documentation to support this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with BCA Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am filing a complaint on BCA because they are reporting a collection on my credit report with the partial account number XXXX. This collection does not belong to me. My twin sister and me have the same name and obviously the same date of birth. I have disputed this account with the credit bureau and they have not removed it even though my social is not the XXXX reporting.

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 EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX, substandard security at Equifax allowed hackers to possibly access my credit report, social security number, credit card number, and other personally identifiable information. I was not informed of this until XXXX/XXXX/XXXX. I was not informed of this by Equifax, but rather learned about it through a personal finance forum I follow online. I say that my information was " possibly '' accessed, because at this point in appears that Equifax 's site for determining if you are part of the hack is giving out random responses XXXX as reported by XXXX XXXX. Perhaps this is related to Equifax suggesting the use of their own security tracking system on that site. 

I have had to freeze my credit as a precautionary measure, although that will probably not protect me from identity theft given that the hackers are sure to know how long the freeze will last. This cost me {$5.00}. Not much, but how many people have frozen their credit because of this hack, and how much have the credit reporting companies made off those freezes? How much did the Equifax executives make off their stock sale just prior to the announcement of the hack?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 2+ months, I have, as a volunteer/friend, been trying to assist a friend 's brother with a deed in lieu for his property that is facing foreclosure. His loan is serviced by PHH. Since starting on the process back with the filing of my Letter of Authorization with PHH, PHH has used my phone number to debt collect daily, often twice daily on my personal phone number. And yet, the few times I have tried to reach the deed in lieu area of the mortgage servicing area, I am put on hold for at least 45+ minutes and am given little to no information about the status of his request for a deed in lieu. I have emailed the General Counsel of PHH repeatedly without a response to alert her to serious violations of the debt collections practicing act and the failure of PHH to adequately be responsive to this homeowners needs. Today, after being on hold for over 60+ minutes, the executive office of the President said they could not find my letter of authorization, which at least the first loss mitigation rep, who could not access the notes in the file for a status update, at least could. I find the lack of responsiveness, the sheer lack of professionalism at all levels of this mortgage servicer and their repeated debt collecting on myself on my personal cell phone at all hours of the day and night to be a complete failure of so many parts of their consent decree entered into the NJ AG for failure to loss mitigate, DODD FRANK and the Fair Debt Collections Practices Act. Plus, there should be minimum standards in place for this mortgage servicer to not only answer their phone but to provide substantive and prompt updates on their loan servicing to the HOMEOWNER and HOMEOWNER 's ADVOCATE. WHEN IS THIS EVER GOING TO STOP!!! It has gone on far too long. I GIVE UP. Let the mortgage companies take back all the houses, charge exorbitant rents. Let this scenario run to its illogical conclusion and see where it leads this country. I do n't want to advocate any longer. I do n't want to rage any more. I give up. Take all the houses, all the bank accounts and tax all the poor and middle income you want. Just give this one poor guy his deed in lieu so he can get on with his rehab, start a new chapter and hopefully live and die in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: I received a revised XXXX form from an online banking company earlier this year. It said the income they had said I earned in 2014 was not correct ; that they had made a mistake and I actually earned {$19.00} less than what was originally stated. I contacted them, and was assured this was not a mistake. In order to make my 2014 tax revision, I have had to gather online banking and credit card statements, as well as invoices from an online auction company I sell items through. This has led me to find MAJOR discrepencies in the accounting of these accounts ; recurring payments have been omitted, charges I did not make are on my statements and transaction records, and my invoices have been altered by hand, and are not in the correct document format. I have contacted all of these institutions, to no avail -they all assert that no fraud has occurred. My bank also issued a " standard '' form letter to me, saying, in part, that because I made regular payments, there was no fraud. Please advise me on this most distressing matter.

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 06-03-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed several items on my credit report with Equifax. The items are not mine. Equifax never sent the results of my disputes. They sent me a letter listing several inquiries that they stated they disputed and that they updated my address. I never disputed the inquires or my address information. Equifax ignored the disputes that I sent. It has been 60 days since my disputes on the Erroneous, inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Late fee

Complaint: AT & T Universal Card / Citi received my payment electronically on XXXX/XXXX/16. They credited my payment one day after the due date of XXXX/XXXX/16 and charged a late charge of {$26.00} on XXXX/XXXX/16. I brought this discrepancy to their attention and they refused to remove the late charge.

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 05/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My checking account was hacked and funds transferred out on  X/XX/22   . I calle d Chase the  same day and reported the theft. I was emailed a form to fax to their online claims department. I was told to go to a chase branch and close my account and opne a new account. I did so and the chase employee sent the claim form to the claim department. I called to check on my status on  X/XX/22   . They said they never received the form. I re faxed form and have. I called again on  X/XX/22    and was told they did not receive the form. I asked to speak to someone or be given a name to fax the form directly to. the call center said they do no have a contact name or number for me to call nor an email address. How can I see if the form was received if they have no person to talk to too.   They claim the are just a call center and all information flow from the claim center. The call center is in the  XXXX .   The address of the claims center is :  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  -  XXXX  FAX  XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has refused to update my credit files to reflect my current credit scores. I 've been working with a credit repair company, and I have improved my credit scores, to XXXX, XXXX, and XXXX respectively with Transunion, XXXX, and XXXX. Through XXXX, I 've been trying to get XXXX XXXX, to re-score my credit records, based on all XXXX of the credit reporting bureaus for XXXX. My XXXX scores should be a weighted average of XXXX, not XXXX, as reported by XXXX. They are reporting a civil judgment for XXXX ( Placed by XXXX XXXX XXXX ), that was satisfied by a chapter XXXX bankruptcy discharged in XXXX of 2010.

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 09/29/2015 about Debt collection (Mortgage) with Ditech Financial LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This date was liquidated in 2010 by XXXX, but is being reported by Ditech/Greentree on my XXXX report. They were reporting on XXXX until I complained to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have received 2 e-mails from Experian stating they have my results ready. Yet when I go into the " get results '' on their Website..it states I am not able to retrieve this information. I have e-mailed them..and tried several times to get to my final results with Experian but am not able to get it on online even though they have given me the Report # XXXX ID XXXX -- nothing comes up. 

I need my final dispute results please.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: To Whom It May Concern, Upon research, XXXX schools I have attended have both been closed down. However, I never obtained a degree from the schools but the student loans balance still reflects the same as if I 'm a graduate from either schools. I 've tried reaching out to my loan provider Navient however no issue have seemed to be resolved. I 'm hoping you can assist me in getting this matter resolved.

Company response to consumer: Closed with explanation