milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/Equifax XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 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: Problem with personal statement of dispute

Complaint: I have recently sent a letter to dispute a medical collection on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation.
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I have requested that this file be removed from my Transunion CB, I received response from Transunion that this account was verified as accurate and updated.

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 11/28/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Settlement process and costs

Complaint: This is in regards to JP Morgan Chase. A lien was paid off in XX/XX/2016. The lien was never released. We now own this property and are trying to sell the property. The new buyer walked because they can not get clear title as this lien is still showing open. A lien should be released 60-90 days from payoff date. No one at JP Morgan Chase can give me any kind of update as to why this was not released. I have been trying for almost four weeks now to get this released and all they say is it 's being expedited. This is unacceptable. It has been seven months since this was paid off. It does not take this long to get a lien release. In fact, it 's illegal. They are preventing me from selling my property and now have made me lose a sale. I need to file a complaint as this again is illegal and unacceptable. I have spend numerous hours on the phone with them including right now as I am typing this. Totally illegal. Their website states it will release a lien within 60-90 days. Someone needs to be held accountable for this and do their job at the mortgage company. Crazy how I can payoff a loan for over {$100000.00} and not get what is due to me in return.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS CREDIT.

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 01/29/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: On three ( 3 ) separate occasions over the past 2 years, a charge has appeared on my Chase Freedom credit card account of {$16.00} from a company I have no knowledge of, and have never done business with ( XXXX & XXXX # XXXX ). When I complained to Chase about the erroneous charge, they removed it and closed the account. They then issued me a new account number, which meant I had to wait for the arrival of the new card, and then take the time to notify all my reoccurring charge accounts of the new number. I can understand how a scam company might somehow get a false charge posted to my account, but you can not make me believe it can happen 3 times, with XXXX separate account numbers without collusion with Chase. In all the many, many years I have had credit cards with various banks, this is the only time it has ever happened, and it was with Chase, and three times.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 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: NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported  and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Credit Collection Services   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX  Date  XX/XX/XXXX  Dear Credit Collection Services After viewing a copy of my credit report, I noticed (   XXXX   ) collection accounts placed on my credit report from you in (   XXXX   XXXX   ) Acct #  XXXX  in the amounts of {$270.00} and {$71.00} from  XXXX . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely,   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Payday loan () with ACE CASH EXPRESS, INC. (SC).
Issue: Payment to acct not credited

Complaint: I never took out an ace payday loan and they keep telling me my wages will be garnish and I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: We submitted request to be reviewed for repayment plan on XXXX/XXXX/2015 and supplied additional information on XXXX/XXXX/2015 and again opun request on XXXX/XXXX/2015 at that point package was complete and under review. Then on XXXX/XXXX/2015 I was served a foreclosure summons and complaint while I was under review for repayment plan and had not received a decision yet on that. I was under the understanding that my review would be complete first before they proceeded with the foreclosure. It appears they were dual tracking my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I applied for a home loan modification through our lender, DiTech, beginning XX/XX/2016 due in large part to a reduction in income. We submitted paystubs, bank statements, a hardship letter, and all other documents requested in a timely manner. Then, we heard nothing until just today -- denying our request for a modification and any other options. I might add that DiTech asked us to send the same information 4 times ( and for which I have the fax confirmations ), claiming that they did not receive the information required to complete our loan modification application. I feel as if they simply delayed the resolution of the application until I was too far behind in my mortgage and now they are asserting that we are in default because my property value, and income are allegedly too high. I had a change in income which is why I needed the modification in the first place -- -and still do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Trouble during payment process

Complaint: I have tried multiple complains and phone calls to your office regarding this issue and I was not able to solve the problem. Ocwen mortgage services keeping misplacing funds in my account and not applying the correct amount of funds as described in the modification contract. Currently the amount of {$1900.00} were not misapplied in the account from a suspense account and Ocwen will not apply these funds to the escrow account as requested. The account was modified on   XX/XX/XXXX    . At the time the account was modified, there were funds in the suspense account was {$1900.00} and I had a positive escrow balance in the amount of {$3300.00}. the modification contract had Deferred Principal adjustment  (  {$86000.00}  ) . in the account payment history, Ocwen applied the additional principal balance funds of {$1900.00} and only applied an additional  Deferred Balance Adjustment  of {$84000.00}, a smaller amount compared to the described in the modification contract as a deferred principal amount. I have previously requested several time in writing and over the phone clarification to the application of these funds but have being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: Rescission Notice was sent. 
I was completely ignored by the originators the trust, XXXX XXXX XXXX. 
It is TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: transunion reported 28 % credit usage and dropped ficos score from XXXX to XXXX, my credit usage is 12 %, i trans funds to my discover card at a special rate leaving XXXX balance, they added both together saying i owed XXXX when it is XXXX, this caused a denial of an account i applied for.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the   XXXX   of  XXXX  and again in early  XXXX  Experian experienced a database glitch that deleted my Experian Inquiries. Once the glitch was realized, Experian added them back to my report. I have placed a freeze and fraud alert on my account. I was not given written notification 5 days prior to it appearing back on my report. computer glitch was Experian 's problem - not mine - caused my inquiries to be deleted. Experian later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that your rights were violated by Experian. Please CFPB help me make Experian stop victimizing me.I am asking that all of my Experian inquiries be deleted permanently from my report as a violation took place when they were illegally added Also the correct spelling of my name is   XXXX   XXXX   and Experian has repeatedly will not correct my name.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Coast to Coast Financial Solutions, Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed a collection on my  XXXX  report several occasions and have not gotten a resolution. I paid a collection from  Coast to Cost for {$240.00} ( {$250.00} w/ fees ) on   XXXX   XXXX ,    2016. It is being reported on my   XXXX   report as being open and the full amount owed. I called Coast to Coast and th ey report the account as closed and say that  XXXX  never contacted them in regards to the dispute I filed.

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 11-02-2016 about Debt collection (Medical) with Rash Curtis and Associates (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Rash Curtis & Associates and asked to have some invoices sent to me via email of all the accounts that I have with them. They told me they did, when they did n't. I asked to have the dispute comments removed and they advised that they would n't remove the dispute comments until I paid them {$5000.00}. I asked to pay XXXX account that was in dispute and they advised that even if I paid, they would n't properly report it to the credit bureaus because they are aware that I am trying to purchase a house. XXXX XXXX at Rash Curtis then told me the following : " you should have paid your bills and thanked the doctors that helped you '' This statement has caused severe emotional harm to myself. XXXX then advised that it is a curtosy to have the dispute comments removed and she was n't willing to do that for me until I paid the {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have advised XXXX not to contact my Place of Work, several times I continue to get phone calls from then our calls are monitored. I also have spoken with one of tem last time they called, and advised i would call later to make arrangments the woman was so rude she advised they could not do that and good luck to me, I told that person not to call my place of work. Today same company called my place of work again. XXXX XXXX is the Man who called, they call from XXXX phone numbers to disguise who they really are.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My Equifax Credit File, dated XX/XX/XXXX, shows I have a previous address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX Reported : XX/XX/XXXX. This is incorrect, I have never had that as my address. 

When I try to access my Equifax data online, part of their security challenge is to ask specific questions from my data file. The questions they ask are related to the mortgage and payments for the house in XXXX, TX. Since I have no knowledge about that property, I am unable to answer their questions and the Equifax site denies me access. 

I have asked Equifax to correct this error since I believe it is an attempt at data theft and someone else is using my credit report, but Equifax has not corrected my data even though I have requested their help at least four times.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from ARA Inc. ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has reinserted information that was previously deleted in XXXX of this year. 
XXXX negative accouts which are : XXXX # XXXX Type EmploymentBalance $ XXXX XXXX $ XXXX Opened XXXX Status ClosedMo. Payment $ XXXX StatusHigh Balance $ XXXX $ XXXX 360 MonthsXXXX BANKAccount # XXXX Type Banks and XXXX & XXXX were removed due to identity theft it is against the law for Transunion to repost these items after deletion. They must delete these items immediately that were wrongly reinserted. 
They also took off accounts of which were reporting positively on my account. I do n't understand how or why this has taken place. I have attached documents of student loans that were taken off my account history without my authority and attached previous reports that shows the deletions of Transunion of items that were wrongfully reinserted I will prosecute them to the fullest extent of the law. I was denied a job position because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation