milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 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 status incorrect

Complaint: I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX XXXX and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX XXXX XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have not been living at the address which judgment was issued for the pastyear and I do not owe any money to these lawyers or landlord. I will like thisremoved from my credit report. Also I made final payment on my woman within account and close it. please research and clear my credit will be looking forapartment soon and this issue will not let me get the apartment I want. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with NELNET, INC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On  XXXX   XXXX  I went to the website of my student loan company  (   XXXX   ) o nly to find it no longer existed. When I tried to call I could n't get through. Four days later with no news, I Googled  XXXX  Student loans and found a blog which stated that they were no longer handling student loans. After more research I found the company that has taken over my loan - Firstmark Services. I contacted them immediately through the website after creating an account with all of my information. I emailed to ask for 4 months forbearance. Instead of granting it, they began calling me repeatedly  ( 3  times before noon ). I called back, explained my situation and asked the calls to stop. They agreed to put them on hold. Two hours later I received another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.

Company response to consumer: Closed
Consumer complaint received 11/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: WIthout notice or reason USAA closed my checking account. Prior to this they restricted my online account access preventing me from transferring money or using the bill pay service. However a rep went through the charges on my account to verify over the phone. As my online account access was frozen in XX/XX/XXXX   , preventing me from using the bill pay or electronic transfer services provided with the account. I requested further information regarding an ACH Debit on  XX/XX/XXXX     as it had no identifying information, and it would have been impossible for me to initiate the transaction electronically. The ACH was for {$4000.00}. To date I have not received any information regarding this ACH debit.  <P/> Additionally, USAA charged me an {$8.00} fee to send me a check to provide the funds which were held in the account for months. As they closed they account they should have provided my funds without a service fee and as soon as the account access was restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with Bleier & Cox APC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt has been disputed -- with the attorney tring to collect the debt. I was soley an authorized user on this credit card. I am not personally liable for this credit card. This debt has not been verified with any original documentation from the original creditor showing that I am more than an authorizd user. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them in to making payments. I have attached my dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: On as many as  XXXX  occasions over the past year and as recently as   XXXX   XXXX   XXXX    , I have submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforceable under FL Statut e 516 of the Consumer Finance Act . In   XXXX   XXXX     following the closing of my dispute with TRU as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then reduced the alleged amount owed to zero, but refused to remove the reporting.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repo rts hostage to extor t money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as a simple check of the online Florida  Office of Financial Regulation license  database shows that they do not possess a loan origination or collection license, making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX   Statut e 516 of the Florida Consumer Finance Act clearl y states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, accounts that can not be verified or are otherwise found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Managing, opening, or closing account

Complaint: I have the Rush card and have not been able to access my money for weeks. My bills have not been paid at home and my daughter college funds ca n't be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problems caused by my funds being low

Complaint: Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opted out of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I wrote Equifax on XXXX/XXXX/15 and alerted them to a XXXX account XXXX that is not mine. And they thus far have refused to answer my dispute NOR remove the item. I EVEN SUBMITTED A POLICE REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with the CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and Equifax Consumer Services LLC ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit report. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the Wells Fargo tradeline on my credit files with XXXX, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by Wells Fargo. XXXX reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, Wells Fargo claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - Wells Fargo claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that Wells Fargo has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, 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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Over two months ago, I asked Equifax to investigate errors on my credit report. They are supposed to respond within 30 days, but have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: We asked for proof of debt from XXXX XXXX XXXXXXXX which was never delivered. On XX/XX/XXXX their company ( from number XXXX which I verified was Portfolio Recovery ) called at nearly XXXX XXXX. I have screenshots and can provide phone records.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My roof and siding were damaged in a hail storm in XX/XX/2016. We selected a contractor, recommended by the insurance company. We paid the contractor {$10000.00} from our own account to pay for materials to begin. We received an initial check from XXXX, then an additional check after estimates by the contractor, and a final check after the work had neared completion. The total of the checks was about {$28000.00}. All checks were made out to us and our mortgage company. We have endorsed all checks a sent them to the mortgage company, Ditech, along with copies of all insurance estimates, and contractor prices for roof, siding, and painting. Ditech sent an initial reimbursement back to me of {$10000.00}. Ditech hired a 3rd party inspector to confirm that work was completed, and we assumed that the remaining funds would be released. However, they have continued to hold all remaining funds stating that the IRS has rejected the contractor 's tax ID. They state that remaining checks must be made out to the homeowner and the contractor, and will not issue remaining funds until this matter is cleared. Our contractor has made numerous calls and faxes to send them the correct information. They are a long-time, reputable company, actually recommended by XXXX. We are extremely happy with the work. Our insurance agent says he has never heard of a mortgage company insisting that both the homeowner and contractor be named on the reimbursement check. We have paid the contractor a total of {$18000.00} out of about {$30000.00}, but do not have the remaining amount until it is released by our mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Student loan (Non-federal student loan) with NORTHLAND GROUP INC (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a letter from Northland Group Inc., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since apparently, they could not verify the loan as being mine. I do n't understand why XXXX has reassigned the loan to Northland despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Northland to desist collection on this account from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXXI applied for a refinance mortgage with Quicken Loans XX/XX/2015.I was told that there could be a charge of {$500.00} dollars when the loan was approved at a later date. I faxed them the information they requested on three different times, each time XXXX plus pages. Each time I would receive a call it would be from a different person in a different part of the country. within days of applying they took {$500.00} dollars from my XXXX XXXX credit card. When I called to find out what the charge was for, I was told it was for a credit report and an appraisal which did not happen at that time. I asked why was AN Appraisal being done since the add on the TV says they hardly ever need one. then I started getting calls from different people asking for more information, some that I had already sent. Then I was told they had everything and it would be closing within days. A day or so later I got a phone call from yet another person asking for more information. At that point I made XXXX phone calls to XXXX different people telling them to Pull the Loan that I was not going to try any longer to get the loan. I also sent a Fax to another person stating the same thing. then I started getting Phone calls from several different people trying to change my mind. I asked again about returning my {$500.00} dollars and received several more calls still they were trying to move forward with the loan. One of the calls they talked to my wife and told her they would return {$250.00} dollars.Then today I received another call still trying to move forward with the loan asking me what they could do to { fix } things. when I told her that it was pulled and I was told I would get {$250.00} dollars back she said that I would not get anything back. After a lot of talk she said I would get {$130.00} back. I am so angry with everyone at Quicken Loans I just want my {$500.00} dollars back and get them out of my life .They changed their story so many times I do n't know what to believe and I do n't think they act very Professional at all .They say in their TV add that they close in 30 days on most loans and my loan was not difficult at all and we were not close to closing as they still wanted more information. Thankyou for looking into my problem

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A company called Capio Partners is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$370.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with non-monetary relief