milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX to XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports As a Physician Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CO).
Issue: Taking out the loan or lease

Complaint: In XXXX 2015 we agreed to a vehicle lease with Nissan Motor Corp ( dealership in XXXX XXXX CO ), and were told we would have to pay {$400.00} for tires on the vehicle that we turned in due to its lease ending. This was a key part of the deal and primary reason for agreeing to the new lease terms. After closing, we received a bill for {$700.00} for various charges not related to tires. Essentially they told us a lie to close us, then just billed us for whatever they wanted. We did speak with the dealership and they sent us a check for {$300.00} so we would only be liable for the {$400.00} originally agreed upon. 

The problem is that before this reimbursement was made, the dealership sent the {$700.00} bill to a collection agency, thus causing a negative impact on our credit. My wife XXXX XXXX is the primary and I am the co-signer and this is obviously impacting XXXX our credit scores, and all because of a lie in order to close a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with Allied Interstate LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls four times a day, EVERY day ( even Sundays ), with recording or just hangs up. Has not sent anything in writing. Calls cell phone, unknown how they got # because I do not give it out. Has called son 's cell phone and is also calling XXXX daughter 's cell phone. I have written a Cease & Desist letter requesting the constant barrage of calls to stop.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I went to Equifax 's website XXXX to enroll in the free credit monitoring service. I clicked on the " enroll '' tab and then the " begin enrollment '' button. 

The website presented a " Getting Started '' form where I put my last name, 6 digits of SSN, clicked " I 'm not a robot '', and then clicked the " continue '' button. 

The website then presented a " Thank You '' page saying : " Based on the information provided, we believe that your personal information was not impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXXXXXX. ". I clicked on the " enroll '' button. 

The website presented a form for XXXX XXXX ( XXXX XXXX XXXX XXXX  ). I filled out the personal information, contact information, identity verification, and read the terms and conditions. 
I clicked on the " continue '' button. 

The website presented a page saying : " We have successfully received and are processing your information. Next Step : You will receive an email with a link to finalize your enrollment and activate your product. '' I have not received any email from Equifax. No attempt has been made to deliver an email from Equifax to my email server. No attempt was made to verify my identity using the phone number provided for " identity verfication ''. 

Equifax has not done what it promised.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We had been at XXXX XXXX XXXX in XXXX, California for almost 20 years. We refinanced our home with Country Wide Mortgage. When my husband applied for this, he was told by the agent at Country Wide that they had been instructed to lend to anyone with a heartbeat. 
The market collapsed, we were not able to keep up with our payments and contacted Country Wide. They were working with us and assured me that we could come to a settlement. I provided them with all the documentation they requested. Suddenly our home of over 20 years was up for public auction. I tried to contact County Wide and was told the person I had been working with was no longer there and they could not help me. 
We lost our home. I did not know there was an agency that might be able to help us so we left after paying a {$2000.00} per month payment for more than 20 years, we lost it all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX card services bought my XXXX XXXX account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update EXPERIAN, nor will Experian follow suit with the correct information being reported to XXXX and XXXX. I have disputed through Experian and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to Experian and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from Experian, and they continue to harass me with phone calls despite my communication via Experian ( disputes ) that the debt was discharged.  Furthermore, I informed Experian that XXXX and XXXX had the same account information reporting correctly, but Experian refuses to follow suit. 

Thank you for your assistance.

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 03/17/2018 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (AL).
Issue: Trouble during payment process

Complaint: XXXX XXXX failed to pay my homeowners insurance which was due XX/XX/2018. On that same date they sent a letter threatening to buy more  expensive insurance for me if I couldnt immediately provide evidence of insurance. 
I confirmed that the money for the payment was withdrawn from escrow by looking at my mortgage payment history on-line. I confirmed with the insurance company that they had not received payment. I paid for the insurance myself and provided evidence of insurance to Cardinal. The evidence of insurance was confirmed to be adequate for Cardinals purposes by a Cardinal customer support representative.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My email account was hacked. I have XXXX hard hit inquiries to XXXX XXXX and XXXX hard hit inquiries to XXXX. Does n't this seem odd to you? I already have XXXX XXXX XXXX credit cards. These transactions were not submitted by me.

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 01/31/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A letter was sent to Experian regarding XXXX and that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late. Another letter was sent regarding XXXX XXXX regarding incorrect information- lien placed on credit. The letters were not sent in my name and was not given an opportunity or notified to discuss account and amounts until a lien was place on credit. The report reflects XXXX, yet a very recent letter states XXXX for XXXX XXXX. I have been working very hard to keep credit in good standing. 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 non-monetary relief
Consumer complaint received 10/19/2015 about Debt collection (Payday loan) with CASHCALL, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX. 

Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money. 

Please note the following law code from the state of Ohio. 

Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio XXXX 
XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Hi, I opened an account towards XX/XX/XXXX with Santander with a promotion code for {$150.00} after fulfilling certain requirements. I completed that and now they are saying I ca n't get the promotion since I did n't open it online but I did. When they called they said they would call back with more information, but no calls. Please can you help.

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
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We moved out of XXXX XXXX in XXXX FL in XX/XX/2015, ( XXXX XXXX XXXX ) As we were moving out they presented me with a bill. 

Said we didn't maintain AC, dirty carpets, water bill. 

I paid the water bill portion because that I believed we owed. 

I disputed the AC and dirty carpets. 

I then found they filed with a collection agency, but I was never notified of this action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with HUNTINGTON NATIONAL BANK, THE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Loan - Overcharge of PMI Original Complaint From XX/XX/XXXXMy original mortgage loan with Huntington was XXXX issues on XXXX XXXX property with appraised value of {$150000.00} and PMI in the amount of {$150.00} was added to this mortgage. Based on general rules of PMI it should have stopped when loan balance has reached 80 % of appraised value that was around XXXX XXXX or XXXX XXXX. However, the Huntington Bank continued to charge me PMI until I had refinanced my loan in XXXX XXXX. During the refinance process, I was made aware that I may have been over charged PMI for five and half year. My new loan ( XXXX ) was issued for loan amount of XXXX and the property appraised value was as original {$150000.00} XXXX original appraisal was used from XXXX ) and I was not charged PMI for the refinanced loan. 
I have discussed this issue several times with Huntington Bank and refuse to provide original loan documents and address this issue. I realize the loan document that are given to me at the time of loan closing are all incorrect because they were for 5 year arm product and my loan with Huntington was 30 year fixed at 6 %. Also Huntington Bank claims that PMI is charged 80 % of purchase price ( XXXX ) vs. appraised price. I think this explanation is incorrect because if true then I would be paying PMI on my refinanced loan because at the time of refinance my loan to value was XXXX = approximately 85 %. 
I notified to the Bank in XXXX XXXX and in XXXX I also sent a complaint to XXXXXXXXXXXX and then I continued with this matter after my refinance was closed in XXXX XXXX. In XXXX, I was not aware of OCC complaint form available online and XXXX Consumer Protection agency. Otherwise I would have registered my complaint earlier. I feel I have over paid approximately over {$10000.00} in PMI premium, plus interest that was charged at 6 % to my mortgage account if this amount was applied to my unpaid balance. In light of that I have never missed a payment on my either mortgage accounts or HELOC accounts and hold a good credit history. 
Please contact me at XXXX should require any additional details. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account is not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: the Experian credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on 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 11/18/2016 about Debt collection (I do not know) with Security Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage acting as a service r for Wells Fargo Financial South Carolina Inc. ( who is no longer in business as XX/XX/XXXX ) is attempting to collect a defaulted debt thru a third party Attorney Firm ( XXXX XXXX XXXX XXXX ). after many request for verification and validation thru Wells Fargo Home Mortgage and XXXX XXXX XXXX before and during the entire court proceedings the debt collector /Service r never offered any response to our request. they keep petitioning the court and was granted a summary judgement in there favor by the state court without providing any proof of the alleged debt. the debt was sold or acquired while the debt was in default based on documents obtained. the original loan / account number was assigned as many as ( 5 ) five different numbers and shows up on the credit report as XXXX different loans with different amounts by XXXX different entities XXXX taken out on the same day in XX/XX/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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.

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 10-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: Recently we were denied a loan modification but approved for a repayment plan. We were behind around {$6500.00} approximately. We offered {$5000.00} in the form of cash/cashiers check and were asking to work out the remainining balance in the form of a payment plan but we were turned down. Wells Fargo came up with a repayment plan in the sum of {$13000.00} making the monthly payment {$2200.00} for 6 months. We were waiting for paperwork to come in the mail to decide whether we wanted to accept the offer or not. Never received it. XXXX XXXX contacted us in XXXX because they did n't received said payment in XXXX. We let them know we had n't received documentation. They agreed to resend it. They took a payment over the phone during that phone conversation before we had signed anything and returned it to them. We called the end of XXXX to schedule an automatic payment for XXXX XXXX, XXXX. It was understood they were taking the payment on that day. We got a confirmation number and everything. They never too ok the payment. Almost 2 weeks later we called to see why it had n't been withdrawn from our account and we 're informed that they had terminated repayment plan because payment was n't received before the end of XXXX. We questioned why we were n't informed of that the day we made the automatic payment arrangement and we 're given no explanation. We were told XXXX XXXX, our home preservation specialist would contact us with in 24 hours. Never were contacted by her or anyone for that matter. Received paperwork that foreclosure process had begun. Suggestions from Wells Fargo were short sale or deed in lieu. We desire to keep our home but feel they did n't want to work with us in the first place. Denied loan modification because it was " too soon '' because we had had one 2 years prior. Sent them a payment in XXXX which was sent back to us stating they could accept nothing less than everything were behind which was around {$1200.00}, I believe. Constantly sending people out to check to see if we are residing in the home.

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