milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: XXXX XXXX XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Credit card debt) with Credit Bureau Collection Services, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX XXXX I sent CBCS a letter requesting validation of an account they stated I owe. CBCS states I owe XXXX for a XXXX XXXX XXXX XXXX credit card. When I first received a collection notice from CBCS I checked my credit reports and determined that the XXXX account they are attempting to collect is not my account. I tried to get validation from the original creditor but they did not provide a contract nor an agreement that bears my signature. I disputed that account with XXXX through the Consumer Finance and Protection Bureau which was turned over to the Office of the Comptroller of the Currency ( OCC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I was provided a modification back in XXXX with an extremely high interest rate of 7.5 %, unfortunately I experienced another hardship and fell behind again due to my divorce and having to pay child support which raised my expenses. I recently submitted for another loan modification and was told that they can not provided me with assistance because I already had a modification. I do not feel the previous modification was fair as the interest rate was still high and therefore accepted because I had no choice and wanted to save my home. I am now facing another foreclosure sale on XXXX/XXXX/XXXX and an not being provided any options to avoid foreclosure.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account Westlake financial is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or XXXX just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Struggling to pay mortgage

Complaint: I got divorce on XXXX, I am in the military and Chase had denied numerous times for me to sell the house. I being thru the Short Sale process since XX/XX/XXXX and chase has denied the sell every single time. In one occasion their explanation was that they will not work my realtor ( after being working with her for 1 yr ). Today, XXXX XXXX they stated that it was deny because missing paperwork. I had provided everything that they had asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX   : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Consumer Loan (Installment loan) with Delbert Services (OH).
Issue: Managing the loan or lease

Complaint: Western Sky Financial originated a loan for me for {$2600.00} at a rediculous 119 percent interest rate. After I regrettably and stupidly accepted it I received notice from XXXX that they had purchased the loan from XXXX XXXX and they would now be servicing the loan. They had to have my bank information to acquire payment. I agreed and shortly after that received yet another notice from Delbert Services explaining that they were now servicing my loan. After researching the situation I found that all three of these companies were in court in multiple states and were illegally providing loans. I informed Delbert Services that I had paid back the full amount I hsd borrowed as well as about {$1200.00} in interest. In light of these findings I was considering the account paid in full and they were to cease and desist immediately. Instead, they harassed with letters and phone calls for months. Finally, the harassing ended, or so I thought. After a few month hiatus I receive a call from Delbert Services stating that I owe {$2500.00} but I can settle with a one time {$1600.00} payment. 
I have since closed the account that they had the information to and have discovered that they have negatively reported to the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: Dear ChaseYour letters have been received and all contradict each otherI need your assistance in sorting out the actual facts straying with letters from XX/XX/XXXX letters say no modification was in place Chase is now confirming modificationLetters state I did not reaffirm property in bankruptcy file that is untrueI had a bankruptcy attorney that was not contacted by Chase at no timeWho was the trustee XXXX bank or XXXX XXXX XXXX - XXXX XXXX XXXX whom notary XXXX XXXX worked XXXX Bank put Motion from relief of stay in. Bankruptcy XXXX trustee was hired by ChaseCan Chase have XXXX trustee working on the same loan and property? 
The number provided to validate notary XXXX XXXX documents is not a valid number XXXX XXXX letterRegarding title challenges I provided the necessary documents to WAMU in XX/XX/XXXX XXXX the original fax sheet to WAMU and document is available for lien on propertyAs of XX/XX/XXXX XXXX XXXX documents have errors and mistakes regarding foreclosure XX/XX/XXXX ( XXXX ) as well as NO Journal Entry XX/XX/XXXX Record FoundDo you have proof of publication for XX/XX/XXXX foreclosure? 
The Motion from Relief of stay documents do not show pictures of my home presented to bankruptcy judge - please explain? 
Chase I appreciate your time in putting accurate details in date order and excluding incorrect information in all previous letters

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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: Information belongs to someone else

Complaint: XXXX Account Number XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my 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 07/25/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I have an XXXX store card account that was open in 2014. I have always had an excellent credit status with this line of credit paying my bill on time ever since I have had this account. Now I attempted to use the account to purchase and it was denied. when I contacted Syncrony Bank I was informed that the account was closed with my knowing. and they said the reason was because they checked my recent credit report without my permission and felt that I wasnt credit worthy anymore. I feel this was discrimination.please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me numerous times a day ( at least XXXX ) ..they have also called my work XXXX times daily, they have been told several times not to call me at work because im not able to receive personal calls, and they continue to call. If I do not answer they start calling from a blocked number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: PNC Bank taking out {$50.00} per month from accounts and saying bank errors?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: An account from XXXX that was beyond the statute of limitation and was since removed from credit report just showed up again as a new debt in collections that is 3 months old. This has been disputed with XXXX but I would like to report the collector who is reopening closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On  XXXX   XXXX  ,2016 I did  a ACH Debit from m y Chase acco unt to a money transfer service call  XXXX  in the amount of {$590.00} the money was sent to a  XXXX   XXXX  in  XXXX ,  XXXX  well the money was never received by  XXXX . Now my wife also sent  XXXX   XXXX  money using  XXXX  on  XXXX   XXXX  ,2016 in th e amount of {$1400.00} which she never received. My wife and I found out about this issue around the end of  XXXX  that  XXXX  never received the total of {$2000.00}. We contacted Chase as soon as we found out which was at the end of  XXXX  and also in the first week of  XXXX  we told them about this claim. Chase advised us to go put a claim with  XXXX  go through the process with them if they do n't help you call us back and Chase will honor the claim.  A Chase Claims Manager e ven advised me to take  XXXX   XXXX  to court because that 's the bank that  XXXX  used for the transaction so I did. I paid court fees pulled my daughter out of school and my daughter had to sit in court all day till evening with me because I had no one to take care of her my wife had to work she could n't take off. So when my  case came up the Judge told me that I am going after the wrong bank he said Chase should be here. So it was a total waste of time I followed the advice of Chase Claims and the Manager that   advised me to take  XXXX   XXXX  to court. After all of this running around which took a few months I calle d Chase Claims back and they still  refused to refund our money back and the excuse they used is that we are calling for the first time in  XXXX  which is a total lie. So this is where my wife and I are with Chase I called Executive offices as well and they give me the same excuse about not calling sooner when I and my wife did. They are playing a game of it 's my word against theirs and it 's not right and not fair. I followed every bit of information and advice they gave me from  Claims Customer Service to upper Management and they refuse to help us. We called and follo wed their advice and now when we call back they will not honor it should you need any proof of the transaction in I can fax them over if you contact me thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a loan through XXXX XXXX which is now being handled by Navient. I was on a payment plan for a while, but then they said that I could no longer be on that plan. I have talked to several representatives, and always get a different answer. Currently, I am experiencing some financial hardship and can not pay the amount that they have billed me for. I have asked about setting up a plan that would be conducive to my current situation. I have been told that is n't an option, and now they are harassing not only me and my Grandfather ( who is my cosigner ) but other family members and friends as well. We have let them know that my Grandfather is retired and does n't have the income coming in to be able to help. Therefore, I have to handle the balance on my own. They call my Grandfather almost everyday and have resorted to now calling some of his friends from Church.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a rush card and I lost my card and reordered a replacement card on XXXX/XXXX/15. I paid for the 2 day service for XXXX and was told my card would be here by XXXX/XXXX/15. When it did n't show up I tried to contact their customer service department and it took a day in a half to get thru to them. I spoke to a rep who guaranteed me I would receive it via overnight express thru XXXX and would receive by Friday XXXX/XXXX/15. Also I was told to call in the morning and get my tracking number and the fees would be waived. I called the entire next day and didnt get the until the evening and a diifernt rep told me that they do n't have an overnight service I would have to wait one to two more business days ( monXX/XX/2015 to receive my card and not only was the fee not waived I was charged twice for the service. Needless to da its kinda I received no card, cant get thru and now I have no way to feed my family which includes a XXXX year old and I 've had to miss work because of this. This is an unbelievable with no resolution in sight. The company is Rushcard services and there are literally thousands of us affected by this please do something. My name is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.

Company response to consumer: Closed
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I settled an account with GM Financial in XXXX 2014 ; however, GM continues to reflect an unpaid balance. I spoke to a representative in the " Escalation Department '' that told me that the only way to remove any showing of a balance, even after paying the settlement off, is to pay off the difference. The pre-settlement balance was approximately {$6000.00} ( uncertain of amounts ). GM and I agreed to a settlement of approximately {$2100.00}, but continue to report that owe approx. {$3900.00}. Is this double jeopardy? Although they agreed to the lesser amount, they 're telling me they wo n't remove the unpaid difference from my credit report. I 've asked for a letter from GM that states the account was settled for $ XXXX with a {$0.00} balance due, but they will only send a letter that says the account was " settled in full ''. I 'm not sure what that 's supposed to mean to me and other creditors when GM is still showing a {$3900.00} balance due? I 've tried working with them, but I 'm not getting anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked this company several times not to call my job and they continue to. They called from XXXX on XX/XX/2017 @ XXXX, XX/XX/XXXX from XXXX @ XXXX, XX/XX/XXXX from XXXX @ XXXX and XX/XX/XXXX from XXXX@XXXX They continue to call my job daily. If they do not stop I will file a lawsuit for harrassment against them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: PennyMac received all my completed documentation package prior to 37 days window of foreclosure. They are dual tracking! Declined Buyer offer without counter and continue to process foreclosure. Buyer in good faith has raised offer. PennyMac Buyer offer is very close to XXXX price. PennyMac to put simply is dual tracking and fails to negotiate in good faith ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: I closed my credit account and paid in full. A purchase came through after the account was closed - which was fraudulent. The purchase amount was around {$15.00}. I attempted to report the fraudulent purchase over email and the over the phone and was unsuccessful 5 times to either stay on the phone with customer service ( disconnected twice ) and over email they would not allow me to resolve. At this point - I have paid the balance in full - multiple times. So that {$15.00} purchase amounted to over {$150.00} in fees for late payment. It seems out of this world. Although they said that the amount while under dispute would not accrue interest or fees - that is not how this has been handled. I just wanted to close my account.

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 03-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Where to begin, stuff with Equinox just keeps getting worse. After pulling todays report, Equifax has broken the law so horribly I seriously pray the CFPB sues them. They have done the most nonsensical and illegal activity one can imagine and I am glad I have proof. 
They had received my ID Theft report, Police Report and all originals when my SSN was first stolen and misused in XX/XX/XXXX. They hesitated but none the less blocked XXXX Fraud Student Loans, Inquires that I never applied for, and other accounts. Ironically a XX/XX/XXXX closed XX/XX/XXXX XXXX XXXX XXXX account that was Paid on time and in good standing they deleted purposely as the facts and reports i attach will prove. None the less the reports are so filled with inconsistencies like fraudulent addresses, accounts, and timelines that make absolutely no sense. They EVEN REMOVED MY FREEZE THAT I AM ENTITLED TO UNDER STATE LAW. ONCE A CONSUMER SENDS A COPY OF HIS OR HER ID THEFT REPORT AND POLICE REPORT IT IS REQUIRED THEY DO SO. Now I have a plethora of reinserted ( and never told why or how they came to that idiotic position ) accounts, inquires, and as a form of retribution XXXX positive never disputed old but not beyond the SOL accounts DELETED. Please look closely at the evidence I upload, and the corresponding dates, you will quickly see NONE OF IT MAKES SENSE NOR ADDS UP. EQUIFAX IS IN CLEAR VIOLATION OF FACTA AND FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with AFNI INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collections account mark on my credit report by a company XXXX XXXX XXXX  They claimed that I owed a debt by XXXX  from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with RFNA, LP (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: While reviewing my credit report I noticed a collection account in the amount of XXXX with a past due amount of XXXX. Every month the amount changes by {$30.00}. I have sent numerous letter for XXXX XXXX to verify and validate this account all which have gone unanswered. I reached out to the credit bureaus and they keep saying the account is verified. When I asked them how was it verified or to provide me with proof they can not provide any such documentation.

Company response to consumer: Closed with explanation