milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from     XXXX   XXXX   XXXX   which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: Last week Wells Fargo sent me a letter to foreclose on my home. I called multiple times Wells Fargo to try to work out a deal and they refused. Somebody by the name of XXXX from Wells Fargo email me stating they are here to help me. However, I emailed XXXX to see if she 's willing to work out with me. I 've been calling her the entire week and she has not returned any of my calls. She also has not reply back to any of my emails. All I am asking for is payment arrangements over a period of time.
I tried to explain to Wells Fargo, the hardship I have faced over the past couple of months. My daughter and my son has end up in the hospital with mounting medical bills. I had things I had broke down in the house including my water heater which cost me extremely a lot of money to put in. These are just some of the things that cost me to br backup and getting the money they need it at that time. I had number repairs that need to be done on the home, that caused me not to have the funds immediately. Including repairs on my vehicle to get to and from work.
I am trying to hold it together. Over the summer I had a death in the family. Until the day I still have not heard from my father who 's been affected by Hurricane XXXX. My daughter was in school last week and they called for an ambulance to take her to the to the hospital. I 've been having a lot of things go wrong. I 'm just asking to bare with me I will pay what I owe.

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 03/31/2015 about Debt collection (I do not know) with CL HOLDINGS LLC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Mortgage (Other type of mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Applying for a mortgage

Complaint: I applied for a relinance with Quicken loans .This bank said I could refiance with a loan for $ XXXX.They would pay off my old loan XXXX and pay credit cards debts for about XXXX.I would get a pay off amount for XXXX..I then gave them XXXX.for an appraisal fee.my house was valued a XXXX I then gave them XXXX/Copy of my sisters mortgage I am a cosigner .A payment agree for the IRS.They asked me how much I owed Irs which is about XXXX.They said as long as my house does not have a lien I could have the loan .This has been since XX/XX/XXXX.They keep asking for cancelled checks for/XXXX/XXXX/XXXX.I gave them 3months of checks front/back.And I have a payment agreement for XXXX-monthly.I do n't have check history because I pay on line .Please help me get my XXXX back. Quicken loans clearly does not want to do business with a XXXX women that owes the IRS/but makes installments to IRS that was agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my second complaint and I 'm looking for monetary relief. This has caused me to be denied for credit, employment, and damage to my character. For the past 2 years, I have been disputing account # XXXX, XXXX, XXXX as an authorized user with creditor XXXX XXXX XXXX XXXX, account # XXXX with creditor XXXX XXXX XXXX, and account # XXXX with XXXX and the credit reporting agency Equifax Information Services , LLC, and Equifax has refused to delete these accounts. I 've submitted adequate documentations and still no resolution. I am not liable nor responsible for someone else 's debt per FCRA. Also, I 've been a victim of Identity Theft and have also provided police report to ALL CRAs including Equifax who have confirmed that they have received such document. But again, Equifax has continuously violated my rights and the law. I 'm attaching all documents including letters from XXXX who has stated that Equifax and all other credit reporting agencies has been notified to delete accounts but it still remains in my Equifax credit profile which they maintain under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We took out a HELOC XXXX years ago. We thought it was going to be paid off in 2016 and when we ask them how much was left we found it that it was going to balloon for the full amount {$93000.00}. We do not have that amount, so we ask them ( Green Tree Servicing LLC ) if they could help and their answer was, We service your loan on behalf of an investor or group of investors at ( XXXX XXXX XXXX XXXX XXXX owner of mortgage account ) that has not given us the contractual authority to modify your loan under HAMP. 
We have never missed any payments for the XXXX loan or XXXX loan. They will only work toward us loosing our home. ( 1 ) short Sale ( 2 ) Deed-in-Lieu of Foreclosure ( 3 ) ForbearanceWe contacted XXXX different Lawyers and they all said to walk away because the banks would n't work with us. ( We love our home and we are in our XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
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: partial acct # XXXX XXXX XXXX has not sent me proof within 30-45 days or an obligation of this alleged debt as requested by me and continues to report this derogatory information to XXXX, XXXX   and XXXX. XXXX XXXX had not communicated with me through phone nor have I seen any letter concerning this so called debt at any time before this deorogatory informaton appeared on my credit reports. This is creating problems for me relating to higher interest rates and lowering my credit score. I disputed this account in XX/XX/XXXX on or around the XX/XX/XXXX and in XX/XX/XXXX on or around the XX/XX/XXXX to all 3 bureaus with no verification or validation in the form of a contract or documents with my signature on it from XXXX XXXX. Proof I have sent letters with tracking receipts will be attached. 

The only correspondence that I received from XXXX XXXX was information about an opening date and a billing statement and a balance {$520.00} which could not belong to me. This does not qualify as full verification per FCRA. They continue to ignore my request for contracts and signatures as proof concerning this account that is reporting to my credit report. 

XXXX XXXX continues saying everything was verified. To date XXXX XXXX continues to not verify this so called debt. Under the Fair Debt Credit Reporting Act I have the right to demand this information for the account being reported on my credit report. 

XXXX XXXX is in violation for continuing to verify accounts with the credit bureaus without providing requested evidence. I believe XXXX XXXX does not have these documents or they would have produced them in the past 60 days. I believe they are blatantly breaking the law. For this reason I demand all derogatory information from XXXX XXXX to be removed and deleted and never to appear again on my credit report with all 3 major credit bureaus.

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 01-03-2018 about Checking or savings account (Checking account) with BOEING EMPLOYEES CREDIT UNION (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I was struggling financially due to having to take some time off of work for personal medical issues. I had just under enough in my checking account to pay for my car insurance in XX/XX/XXXX. This did however cause my account to become overdrawn, resulting in a {$25.00} NSF fee, which I have no issues paying. However, since then, several other charges which I did not authorize were attempted on my account, some multiple times, resulting in approximately {$400.00} or so in NSF fees. I have not had a lot of time to manage this account due to my grandmother having been on XXXX, and eventually XXXX in XX/XX/XXXX, but have received dozens of letters regarding fees, and BECU threatening to charge interest on these fees, which I never agreed to. In addition, the constant negative balance on my account has made it difficult to pay my credit card and personal line of credit. At the time of writing this, I have no issues with bringing the balance to a positive one, but 90 % of the negative balance consists of NSF fees for charges I did not authorize, and I will not pay them. 

I spoke with a representative from BECU who agreed to have her manager call me back, however, it has been several days, and I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2017 about Debt collection (Mortgage debt) with Harmon Law Offices, P.C. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a XXXX XXXX and XXXX and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of Harmon Law Offices PC refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXX old man and I want to fight for what is right.

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 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was not able to get a copy of my Experian or XXXX report online. 
There are errors on these reports that need to be removed.

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 10-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: The account I will talk about is a joint bank account and both XXXX XXXX and spouse XXXX XXXX are user of such account. In XXXX XXXX XXXX wallet was stolen. The next day we noticed two {$950.00} withdrawals from the account. We immediately went to the bank to inquire about the withdrawal. The bank employee pulled the withdrawal slip and said it was done through the drive thru. They showed me the slip and the signature was obviously different than our signatures. I submitted a claim with the bank and they credited my account. A week ago they reversed the transaction and they charged my account with {$1900.00}. I called the bank and they stated that the investigator determined that two forms of identification were used. The PIN and the ID. This is not possible because we were together and at work when these transactions took place. No one other than us know our PIN numbers. However, even if the PIN was used, the ID could n't have matched the person who collected the funds because we did n't go to the bank that day in the morning. We were both at work and we work together. Furthermore, the signature on the slip and the signature recorded on the account do not match at all. Now my account is negative {$1900.00} and the results of the investigation on my claim are in no way possible.

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 09-09-2016 about Consumer Loan (Vehicle loan) with Crown Asset Management, LLC (IA).
Issue: Managing the loan or lease

Complaint: This matter has been going on for over two years. XXXX sent various mailers to my home soliciting my business. I refinanced my Truck XXXX XXXX, XXXX through XXXX XXXX XXXX XXXX, in which I purchased GAP insurance and have provided a email confirmation from the original auto loan facility. I later found out that XXXX XXXX XXXX XXXX were n't licensed in my state to originate a loan. In which that is a state requirement. What I purchased and was quoted was n't what I received. XXXX XXXX XXXX XXXX altered The XXXX 's Gap insurance form for their own financial gains. XXXX does n't offer Optional Deficiency Waiver Addendum. Attached is XXXX 's official form vs what XXXX sent to me XXXX 's form was altered. Now a Debt buyer is trying to sue me for the deficiency balance. I surrendered my truck XXXX XXXX, XXXX in which my car was sold through auction on XXXX XXXX, XXXX within the 60 day window in which it is outlined on XXXX 's Website that the deficiency balance will be covered. The GAP insurance company paid on XXXX/XXXX/XXXX XXXX along with XXXX towards my deficiency balance. My truck was also sold for XXXX. Crown Asset Management is attempting to sue me for a deficiency balance in which that is a matter that they should be addressing with XXXX Coverage. My Credit has already been penalized regarding this car and the car is sold. I did not originate this loan through Crown Asset Management and have made attempts to get this matter resolved with Crown Asset Management and still to no luck. To add insult to injury the product that I was quoted is n't what I received. I have filed a formal complaint with the state of Wisconsin 's Consumer protection, I have previously filed a complaint with CFPB. When I refinanced my truck, my goal was to lower my interest rate and protect myself from any unforeseen incidents. ( the reason for my GAP insurance ) This transaction was a clear violation of state regulations along with Fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX credit is reporting a debt i do not owed i was never contacted by them or any other company about this. This is affecting my credit history

Company response to consumer: Closed
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Recovery Management (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Upon deciding to have a medical procedure done, and only having Medicare as my primary insurance, I was lead to believe that if there was a co-pay there would be assistance available to me that would cover the co-pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I became aware of a data breach of Equifax Credit Reporting Company. I went to Equifax 's website in order to figure out if I was affected by the data breach. I was given a date ( XX/XX/XXXX ) to check the website in order for Equifax to alert me if my data and personal information was breached and stolen. 

I checked back today ( XX/XX/XXXX ) and entered my information into the same website on Equifax. The website then stated that my information was stolen or affected by the breach. I wanted to file a CFPB complaint due to Equifax 's negligence in allowing my information to be compromised. I also wanted to make sure that I made a documented effort to rectify the situation, despite Equifax 's negligence and all around ineptitude to prevent this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According tot he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation