milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING A RESPONSE FROM EQUIFAX AS IT IS NOW XXXX XXXX, 2015 AND UI HAVE NOT RECIEVED A RESPONSE FROM THEM IN REGARDS TO MY DISPUTES. AS EQUIFAX IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA. THE DISPUTED ITEMS MUST NOW BE LEGALLY REMOVED FROM MY EQUIFAX CREDIT REPORT. 


I am writing in reference to my original dispute. I have disputed these alleged account information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted and filed a complaint with the CFPB on each of the creditor currently listed on my Equifax credit report myself and have been unable to get them to verify that this is indeed my debt. 
I have previously enclose copies of my requests for each creditor to VALIDATE these alleged debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay these alleged debts to the creditors listed on my Equifax credit report. 
The FCRA requires Equifax to VALIDATE the validity of the DISPUTED items within 30 days. If VALIDATION can not be verified, Equifax is obligated by law to remove the DISPUTED items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
Equifax has been unable to legally VALIDATE these DISPUTED items pursuant to the FCRA, and is continuing to list the disputed items on my Equifax credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Equifax in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with ERC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently checked my credit report after not checking it for years and i noticed a collection for a phone bill that I know I didnt have. I contacted  XXXX  and I was unable to get any information from them. The collection is as follows ;  XXXX  ERC  Original Creditor-   XXXX  Date Opened-  XXXX   XXXX ,  2014 Bala nce- {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Carter-Young, Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I lived in an apartment, called " The XXXX '' in XXXX, VA. I fell behind in payments. I began to catch up with them on terms with XXXX specific person XXXX XXXX XXXX XXXX. That person left the company. I made other arrangements but that person also left the company. An agent from Carter-Young contacted me and I began to dispute the amount that was said I owed while agreeing to start paying off in the process. The agent XXXX XXXX XXXX ) I worked with did not put my information into dispute and also wanted me to pay a higher amount every month as she was not satisfied with me paying the minimum. She then threatened to put it on my credit report as someone who was not paying anything, then hung up on me. I called back attempting to converse about what was going on and to speak to a manager, she said everything was fine and would not transfer me. 
Less than a week later it showed up on my credit report and with a higher balance. I then called the main number to reach a manager because the agent would not transfer me to or get the attention of her manager for me to speak to. 
Speaking to the manager, the manager said the best thing to do is send in all of my proof that the balance was off, then she forwarded it to corporate of " The XXXX ''. 
The XXXX ' XXXX XXXX also asked me to send the information, but then disregarded it and said that all of the paper work did not match what they have and that it was therefore dismissed. I have papers from the court saying that I paid and even the proof that I had been trying to pay until each mishap and they continue to leave the same balance on my credit report and are blocking me from doing anything, as they keep placing derogatory marks on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround

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 09/17/2015 about Consumer Loan (Vehicle lease) with DriveTime (FL).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX XXXX, I went to drivetime.com and applied for financing, which they said I was approved for. When I went in the dealership, the manager told me that I was n't qualified for what the website said I was and if I wanted that vehicle I would have to put almost XXXX down. So they had me try their no hassle lease program. I put down close to XXXX for this program and they gave me a XXXX ford fusion. At first glance the car was great, after test driving it you car hear something was wrong with the tires. When I brought it to the salesman attention he said the previous owner drove it hard. I asked for a car fax and he printed some report that showed the car had been in a XXXX accident but he insured that all repairs and inspection had been done. I took possession of the car with what I thought was a safe vehicle. Almost two weeks later the car stopped running. I had to have the car towed because the warranty did n't cover it. Got to the mechanics and they had to keep the car for 5 days, they said the car needed new wheel barrings, tire rods and an alternator. After that was fixed the car bike down again and had o slow drive it to an approved mechanic that held it for three days and it was the ac unit. Because this was after 30 days they tried to make me pay for this. All these problems should have been found in their inspection of the car before selling it. I had to end up returning the car and putting XXXX down on another vehicle at another dealership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other

Complaint: I have paid money every month {$100.00} or {$210.00} every month for 3+ years on time to be applied to the principal. I work XXXX jobs, care for XXXX children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of {$3.00} each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card '' and I took it out of my wallet as they fraudulently charged me fees and misappropriated funds that were to go to the principal balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: cant ake any more scripts. i asked for a XXXX time good will credit since i am a GOOD customer and get nothing from this card never mind i need it and deserve it i am put on hold told no. its pure greed and without loyalty i cant be loyal either that is business i wias put on hold and still declined what a message. i will stick with XXXX who gives good will crediits to me ona regular basis since i am valued ther efor all the times i cant understand the person due to their XXXX and am put on hold for no reason. i am enraged GREED XXXX credit of XXXX dollars will not kill you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian is unreachable by any means. 
I applied for my annual credit report from Experian ( I requested it online through annualcreditreport website ). I was denied because " it had already been requested ''. I had NOT requested it in 2016. I noted on the annualcreditreport website problem option that I had not requested the report and explained my concern about fraud. I have a fraud alert on file because my social security number was fraudulently used to file a tax return. I am concerned that someone has fraudulently requested my credit report. 
I am unable to contact Experian. Every phone number, webpage, etc ends up in a deadend - I can not get a real person or even a means to submit a detailed email for response. 
How do I get in touch with a real person at experian to address the situation about someone else requesting 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 non-monetary relief
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed a debt from XXXX wireless on my credit report last year that 's in collections. I have repeatedly disputed this debt. I have informed them over and over this is n't my debt, that I have never had services with XXXX, nor lived at the address that 's tied to the account. In fact, I have never lived outside the state of Missouri in my whole life. Every time I disputed it, they sell it to someone else. It gets removed then put right back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use a third party that I let access my bank account information. For my bank I use Key Bank and they have a option that lets you  turn 3rd party ac cess on and off. I have the option turned on, and have never had issue till about a month ago. I talked to my bank and they said there 's nothing they can do. I 've been doing this for a year now with no issues and now all of a sudden I have a problem. It causes a major hassle for my finances every month. All I would like them to do is look into the issue but they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with SUNRISE CREDIT SERVICES, INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan, about a year ago, got switched to a new company. Ever since, it has been nothing but stress and problems. I prefer making payments online, a year later and their online payment system still does n't work. Every time I call no one seems to know how to resolve that issue, instead they talk you into auto payments, BUT you can only set that up for 12 months at a time. I asked if they would send a reminder when that auto payments will expire, the associate swore up and down they would notify me via email. Not only did I not receive notification at all, I have not received one email from this company, ever. I have called numerous times requesting confirmation emails for when my payment is made ( because I get them from my other XXXX student loans ), the associate resets my email and verifies it every single time, still no email. Every time I call I have to be transferred numerous times until I get the correct department. There is total lack of communication, problem solving, organization, efficiency, structure, and professionalism etc. My auto payment does not go through the same day every month, which it is supposed to. According to them if the person is n't there to run the payment, it does n't go through. I do n't know how a credit service can run a company like this. I also, did not receive any information from them for filing taxes, as I did from all my other loans. Lastly, to sign into the online payment they ask for a client account number and have a link " how do I find my client account number '' showing where it would be provided, and it is no where to be found. They do not provide you that account number anywhere.

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 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: i took out mbna bank of america credit card they froze my account for 6 months refused replacement card for a year and demand minimum payments monthly i tried to pay them in full for 6 months now i cant consolidate the company has put me in loads of debt mbna bank of america

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 11-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Our monthly mortgage payment increased due to a shortage in the escrow account. To keep our monthly mortgage payment the same as before there was an escrow shortage, we had inquired as to the amount to be paid ( additional escrow amount ) to maintain the same monthly payment ; the service representative undertook some research and gave us a figure which we were assured, that when paid, the monthly mortgage amount due would be the same as it was before the escrow shortage. The shortage was paid in full whilst talking with the service representative. Due to the timing of the payment ( XX/XX/2016 ), the XXXX payment would be a higher amount with the XXXX payment reverting back to the same amount prior to the escrow shortage. Unfortunately, the XXXX mortgage amount due is {$210.00} higher than the amount prior to the escrow shortage. I contacted BBVA Compass and discussed this at length with them and was told that the monthly payment could not be lowered any further even if I made an additional escrow payment to cover any shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Ocwen to get a loan modification was recently denied because they stated that they do not allow loan modifications while in active bankruptcy. I informed Ocwen that I was no longer in an active bankruptcy and the bankruptcy was discharged. I supplied them with all the documents and they still continued to deny me for the same reason. Now, they have decided to place a sale date on my account set for XX/XX/17. I dont want to lose my home and would like to continue working to get through a loan modification. I definitely do not want to lose my home. Please 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 with explanation
Consumer complaint received 11-12-2015 about Credit card () with Continental Finance Company, LLC (NC).
Issue: Advertising and marketing

Complaint: I taught I was applying for a regular credit card, this turned out to be a scam. They issued me the card with a XXXX. XXXX dollar amount, but recevied the card with amount of XXXX after they toook a fee of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX I signed up with Capital One Auto for a vehicle loan on my XXXX Chevy Tahoe. Everything thing was setup and good to go. I made my first payment via the phone and also a few other ways in the beginning. I then was referenced to the CapOne360 APP so I downloaded it and my payments via that ... .so I thought. It seemed the the APP was not taking my payments due to some sort of malfuction which then cause a spree of 30 day late payments. Me not knowing any better I began to pay through XXXX XXXX and via XXXX XXXX app. Come to find out I had been behind on a total of 9 or so months. I informed them about the APP and it seemed to be a issue that others had as well. They reset it then I did n't use it anymore. Then through a sequence of events the car ended up being repossessed on the day that the payment was due, in which I called that day to make the payment and they seemed to had already taken the car. The rep I spoke with said that I could pay at anytime on that day. I had no idea that it was that late I had just been paying the monthly amount. So after the car was repossessed in efforts to get everything squared away via my account and credit report I then spoke with a rep that said, If I paid the full amount due instead of the program and stayed current going forward that the repossession would be removed and the 30 day lates would also be removed due to the APP. Since then I have spoke with XXXX reps from the office of the president who looked up the information, and listen to the phone calls, but since I did n't have a name and ID they could n't honor it when i 'm XXXX sure I was told such. Since XX/XX/XXXX I have remained current and have had no further issues, except the inability to get those remarks removed. I spoke with XXXX and XXXX other individual

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Trouble during payment process

Complaint: I initiated a mortgage loan on  XXXX / XXXX / XXXX  and the only insurance requirement indicated was for hazard insurance. Since origination, the loan servicing has been transferred twice. At no time did either of the servicing companies state a requirement for any insurance other than hazard insurance. On  XXXX / XXXX / XXXX , Specialized Loan Servicing LLC  ( SLS ), th e current loan servicing company sent a letter stating that windstorm insurance was required. I promptly ordered and paid for a windstorm policy, which became effective  XXXX / XXXX / XXXX . I was further notified by SLS that I was required to have windstorm insurance for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called and spoke with t he SLS Insurance Center p ersonnel, explaining that there was no indication of requirement for windstorm insurance prior to their letter of  XXXX / XXXX / XXXX . I inquired why a policy was required retroactively. SLS personnel advised that the mortgage required it. SLS then force-placed a windstorm on the property, for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX , and they charged the {$2000.00} premium to my escrow account. I call ed the SLS Insurance Center again and asked that the charge for that premium be removed from my escrow account for the reasons already cited. SLS has refused to remove the premium 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 explanation