milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with fraud alerts or security freezes

Complaint: Telephone call to Equifax to place a secure freeze on my account on XXXX XXXX XXXX, XXXX PM XXXX resulted in " Automated system inoperative at this time ... call back later ... '' Using the internet for Equifax resulted in their system being down : See below : Get Answers. Take Action. 
Home Contact Us Equifax.com System Currently Unavailable - Error XXXX We 're sorry. We can not process your security freeze request online at this time. Please try back later. 
To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX Box XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you. 


Equifax XXXX XXXX, XXXX Considering the security breach on Equifax, they need to improve their systems AND not charge for initiating the secure freeze or removing the freeze. Also, the XXXX executives of Equifax who sold $ XXXX PRIOR to announcing the breach need to be fined and imprisoned. Also, if the breach was determined on XXXX XXXX, XXXX why did they take kuntil XXXX XXXX XXXX to make it public - perhaps to sell more stock?

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with STERLING JEWELERS, INC. (OR).
Issue: Unsolicited issuance of credit card

Complaint: I went to Kay Jeweler to look at watches. The employee asked if I would like to see how much I qualify for. I asked if it would show up on my credit score. I was told NO, so i proceeded. Two weeks later I receive a letter in the mail containing a credit card from Kay Jewelers. This is in no way what I was told would happen. The employees at this store are liars.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company just added several new collections which I do not have any new medical debt. This is unknown and no validation received and requested {$55.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1100.00} XXXX {$580.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase has reported my home loan as paid XXXX balance included in my bankruptcy. My home loan with chase was excluded from the bankruptcy. I make monthly payments and have never been late & I have a loan balance. How can they report a XXXX balance and that I have not make a payment since 2013 when I send them a check every month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 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: Public record information inaccurate

Complaint: COMPANIES INVOLVED : XXXX, EQUIFAX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: P1.Good morning. I 'm in the process of buying a home. Talked to some lenders ; they pulled my credit. In connection with the pre-approval/pre-qualification process, I get the " Notice to the Home Loan Applicant. '' The last full paragraph states that, if I have  questions about the credit score or credit information, to contact the agency at the contact information below. <P/>P2.I contacted " Transunion Consumer Relations '' on XX/XX/XXXX at the number given to find out more about the " key factors that adversely '' are affecting my credit score. Transunion listed 4. The XXXX provided does n't get you anywhere close to talking to someone. It is just a number to get a copy of your report. That is the first problem. <P/>P3.I searched Transunion 's website for a number to call to talk to someone. I called XXXX ( on XX/XX/XXXX ) to ask about the factors these factors. I first spoke to XXXX XXXX who stated someone else would have to handle my questions and transferred me to XXXX XXXX, who initially did not want to provide a last name or an employee ID. I started asking my questions generally ; she said I had to talk to a supervisor. The supervisor was not available, so she was stuck with me. <P/>P4.Insufficient Length of Credit History - I asked her what this means since I have had credit since the early XXXX 's. She could n't give me specifics about this, only guessing that it " could be '' this account or another account. I asked for specifics, but she kept recycling the same response. <P/>P5.Proportion of Revolving Balances to Credit Limits Too High - I thought this could be easier since it is talking about proportions ( a different way of referring to a percentage ). I asked her what is too high so I know for future references and can better manage my credit. Again, same canned response without any specifics. I terminated phone call. <P/>P6.The other two factors are " Amount Owed on Revolving Accounts is Too High '' ( again, what is too high? ) and " Proportion of Loan Balances to Loan Amounts is Too High '' ( again, what is too high? ). <P/>P7.I attempted to find answers to my questions on Transunion 's website but I could not locate it.

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 10/22/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company in XXXX with the number registered as XXXX called my phone multiple times per day, eventually I was forced to answer. Silence for several seconds, then I was confronted by an XXXX man who refused to tell me who he was or why he was calling until I confirmed who I was. I confirmed, and he then told me he was with American Medical Collection, calling about a debt of {$72.00} XXXX. To my knowledge, I have no current outstanding medical debt, and my medical insurance has never contracted with these people before. Told him to call back later, at which time he offered me a one-time exemption where I could pay a flat {$50.00} XXXX to resolve the debt on the phone, right then and there. I told him no, he promised to call back later. 

I will be blocking this number, and apparently this company has been investigated and sued before for aggressive calling tactics. So, just a heads up, these people are still engaging in these tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Bank of America in the amount of XXXX from an attorney. Bank of America doubled the amount and put " on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Bank of America branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a " early payout '', the branch rep typed up a form however the amount was NOT correct so I could n't sign it, no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice, once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX, 2016 the attorney has NO RECORD of Payment and Bank of America can not tell me where my money has gone. So, for a lien of XXXX, my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX, I have agreed to release the funds, and no one can seem to assist me. I did not dispute the lien, I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX, the only funds available were XXXX, however on XX/XX/XXXX payroll was deposited and all the funds were available, but no one ever looked back at the account to report that, even with me calling and begging them to help me resolve this. I do n't normally look at things like a conspiracy but how can I not think this delay was all to earn additional fees. This has created a disaster of my finances and I have felt so in the dark on what to do. The only notice I received from Bank of America was on XX/XX/2016 in both mine and my husbands name for the amount of XXXX, no other notice was ever received from the bank.

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 10/17/2017 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Struggling to pay mortgage

Complaint: I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX. 
I do n't live at that address and I never have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company reported a debt on my credit report that does not belong to me. I have never heard of these people before. Company has tons of complaint of bogus accounts and illegal tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XX/XX/2015 I started a online dispute with Equifax , since then creditors have not been able to pull my credit file due to a Security freeze. I have spoke with the security freeze department at Equifax several times and they have assured me there is no freeze on my file. At the end of these calls they suggest purchasing their credit monitoring to help resolve problems like these. Most recently both XXXX and XXXX XXXX were unable to access my credit file due to this freeze. I feel as though Equifax is not going to resolve this unless I sign up for their monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX I took out a private loan for XXXX XXXX XXXX ( now closed ) ; In XXXX I graduated XXXX. I was unable to find gainful employment for several years. When my forbearance was expired, I asked XXXX XXXX for help. I did not have the money or the cosigner for their only offer for assistance. Today I have a default judgement. I have tried to talk to XXXX/navient many, many times. They tell me to talk to the attorneys. I tried to make a settlement offer with the attorneys two separate times ; they ignore me. I am being charged {$100000.00}, I have already been garnished almost {$25000.00}. I am told I have to pay upwards of {$120000.00} for an education that cost less than {$50000.00} and took me over 10 years of hard work to make at least $ XXXX/year. No one will talk to me. This is extortion

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last 12 years ( in XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with EQUIFAX, INC. (GA).
Issue: Struggling to pay your loan

Complaint: Company- XXXX XXXX XX/XX/XXXX Balance - {$390.00} This acct was included in my bankruptcy and this business should be fully aware of the bankruptcy laws. The company did not apply in the time frame that was allowed and under these circumstances it should be removed from my credit report. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.

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 09/25/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: M & T Bank attempted to foreclose on my family 's property. I believe that the fees, legal expenses, and interest were excessive and the accounting inaccurate. My family hired an attorney to fight these charges and avoid foreclosure. The bank made no effort to correct its fees. 
On XXXX, XXXX, XXXX, I paid off the entire amount of {$61000.00} to avoid the foreclosure. 
With the foreclosure stopped, I reached out to M & T Bank about the excessive fees. 
M & T Bank agreed that some of the fees were excessive and issued a refund check in the amount of {$1300.00} in the name of a deceased relative who has not owned the property since XXXX. The check can not be cashed, as the estate of the relative has been dissolved. 
I contacted M & T Bank to re-issue the check in my name, As I had paid off the mortgage. I also indicated that it would be acceptable to issue the check in the Name of XXXX XXXX, who was the current owner and who was also named in the Foreclosure lawsuit. 
M & T Bank refused to re-issue the check, nor would they consider refunding any additional fees. 
I want the CFPB to examine all of the fees charged and instruct M & T Bank to refund all of the fees in a check that is written to an actual, living person. The check can be made out to me, XXXX XXXX XXXX, as I paid off the mortgage and now own the property or it can be made out to XXXX XXXX, who was a party named in the foreclosure lawsuit, and who owned the property during the foreclosure process. 
I have attached copies of the original payoff letter with the breakdown of fees, and deeds showing the chain of ownership. 

The

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2016, I applied for a loan modification to modify my 2nd mortgage payments with Bank of America. 

Bank of America never worked on my submitted loan package. The paper work eventually expired and I had to submit another loan package on XXXX XXXX, 2016. 

Bank of America intentionally, delayed the review of my loan modification for over 60 days. I called dozens of time during the waiting period and got a recorded message of a Bank employee moving from this extension to another extension, and that they would be out of town. 

I finally received a phone call from XXXX XXXX. XXXX XXXX advised me my package was over looked and no one had worked on my loan modification package. 

XXXX XXXX informed me I would need to submit another loan modification package, because the paper work had expired. 

Bank of America intentionally used delayed tactics by not reviewing my loan modification package on time, and causing me to fall further behind on my mortgage payments. 

I lost over 60 critical valuable days by Bank of America not reviewing my loan modification package on time. Bank of America deliberately stalls and delays loan modification reviews so a borrowers fall further behind in mortgage payments. 

It took Bank of America 120 days to review my loan modification package because of the lenders delay tactics to avoid modifying my loan. 

Bank of America is also using these tactics with other homeowners who are applying for loan modifications.

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 12/22/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ID).
Issue: Application, originator, mortgage broker

Complaint: I was denied fair access to credit. I applied to refinance my mortgage. I was attempting to finance my home at a lower interest rate. Green Tree declined my application. The reason for the declination a was 1 ) unable to verify employment and 2 ) insufficient data to determine manual harp eligibility. It is interesting to note that I provided current paystubs and XXXX forms from my employer of 20 years. Access tax returns were also provided. It is curious to note that when I applied to refinance my home with XXXX XXXX XXXX, my employment was verified and I was found eligible to participate in the HARP program. I believe that Green Tree has systematically denied mortgage refinance applications to prevent borrowers from refinancing to lower rates. Please see attached documentation showing the information that I provided to Green Tree and the rejection that I received from them following the application.

Company response to consumer: Closed with non-monetary relief