milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since XXXX XXXX I have been contacting Equifax to update my personal information. Today I pulled my report and see that all of the incorrect information that was removed from my credit report was put back on my report. 

In XXXX XXXX fraudulent accounts were opened under my credit information, XXXX of the accounts was opened with XXXX XXXX XXXX with a reporting address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX determined this account to be fraudulent and removed the information from my report. However Equifax keeps the address on file regardless of the number of letters, police reports, and phone calls. 

Inquiries, XXXX in total, that were removed by Equifax as of today XXXX XXXX, XXXX have been added back to my credit profile. Collection accounts that were removed by the company were also added back to the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Credit card () with WELLS FARGO & COMPANY (WA).
Issue: Billing disputes

Complaint: On my Wells Fargo credit card I made a balance transfer of {$900.00} which carries no interest for 18 months. After that I made about another {$1000.00} of purchases, which are subjust to a regular purchase APR. I made some payments and got paid from a larger contract, so when I applied my payment in XXXX 2016 my balances were as follows : {$930.00} in purchases. {$780.00} in 0 interest promotional balance. 
I made 2 payments during my statement period, {$100.00} on XXXX/XXXX/16 and {$1200.00} on XXXX/XXXX/16. The last purchase I had in the period was on XX/XX/XXXX, so the purchase balance was established with no pending transactions. 
When I called Wells Fargo Customer Service to inquire about how my payment was applied I was informed directly that the computer " splits up the payments as it sees fit '' so that any money applied after the minimum payment due gets inexplicably divided between my balance subject to interest rates regardless of the CARD act. I contacted Wells Fargo 's customer service and was told nothing could be done, I was stuck with this incorrectly applied payment. Afterwards I contacted Wells Fargo 's customer care center and conveyed my concern that my payment was applied outside of compliance with the CARD Act, and was told that I was, in fact, correct and that they had made a mistake in how the payment was applied. My case has been escalated to be reviewed and to have my payment applied correctly. 
This is highly concerning to me, as Wells Fargo is probably making millions off of unsuspecting customers or those who do n't know any better. In reviewing my account further I found that every month Wells has applied my payments in this split manner, thus preserving an interest-bearing balance on my card despite receiving amounts that should have satisfied it -- therefore still charging me interest.

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 01/19/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report. On my report it show a collection account for receivable performance for {$82.00}. I never received anything stating this was being placed on my file or that I ever owed this debt! Because I did not recognize this account as being mine I sent a certified letter asking for VALIDATION of this debt to the collection agency on XX/XX/XXXXwhich was received by a representative of the company on XX/XX/XXXX. I requested that this debt be Validated within 30 days of receipt of my letter.. and if they were unable to send Validation Per the FCRA guidelines the alleged debt should be removed from my credit file. I have the right to have a alleged debt validated. As of today i have not received any communication from the collection agency. Per FCRA if they can not validate this alleged debt I must be removed as a account on my credit file because it doesnt belong to me! I am now asking that the information be removed from my file as the debt has failed to be validated. I am trying to obtain financing and this black mark has been detrimental to my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We recently sent Di-Tech Mortgage company over XXXX dollars.They are coming by our house and constantly harassing us.They have even stooped so low to tel the young gentlemen that cuts our grass that we owe them money.We pay every month and they constantly state that we are late. 
what do I need to do to bring charges against this company?

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i had my identity stolen again, so i wrote to the XXXX credit agencies to get a a copy of my report, I sent them copies of my drivers license and including my SS #. Today i received a letter from Experian telling me about identity theft and how to handle it, the letter included instructions on how to get a credit report so i followed the instructions ( the phone version ) and at the end it tells me that i can not get a report and that i would have to send in paper work to include my SS #, copies of my license, bills, bank statements and etc. 
This is the second time this has happened to me in less than a year and i never have received a report. It seems to me that these companies do not not want to give the reports out. but they will sell you their services so that you can get a copy of the report. I have tried for almost 2 years to get copies from all XXXX and it never happens, regardless of the paper work sent in. I have received a copy one year ago from credit karma in l\ less than 10 minutes but again never from the big XXXX. 
What gives and why are they not held accountable for this injustice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2016 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX United Revenues was sent a request for validation of debt. On XXXX the debt collector sent correspondence that was not sufficient to my request. On XXXX another request was sent to the debt collector regarding the alleged debt. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt with sufficient documentation and now they are in violation of the FCRA and should immediately removed this unverifiable information from 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 07-02-2015 about Debt collection (I do not know) with Risecredit, LLC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Bottomline figure on my loan amounted owed is going up instead of down why? I am paying triple time and these folks are cashing in quicker then my Bottomline figure should be going down even quicker. That figure is going up. 
I seen well before I decided to step into these people offers something is a miss. 
First off this debtor stated they gain 200 % profit on that money. 
Second if this is allowed, why do you folks allow such practice? 
Finally, I will also suspect a change of hands in finance institutions as a form of power gain. 
This means my credit is out in the open for any type of predator/power grasp to push out to happen. 
This means you folks are not doing your job to protect the consumers and citizens of this country. 
You need to wake up to these groups on the move. I stepped into this so you can kick thier dirty thieving XXXX. 
Why should anyone need to complain to get action? Signing a contract does not have anything to do with fair business practices. 
NO WONDER THIS COUNTRY IS IN BANKRUPT MODE. YOU ALL NEED TO BE FIRED. 
Fix the problem XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Auto) with Farrell Holdings, LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Called at XXXX. Also calls 6-8 times per day from different numbers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Application, originator, mortgage broker

Complaint: In the process of applying for a refinance of a current mortgage of my home, underwriters at Greenlight Loans determined I had XXXX outstanding liens against my home, XXXX of which was invalid and required release from the prior lien holder, XXXX XXXX XXXX. After nearly a year, Greenlight made little-to-no progress in getting the invalid lien released. So, I took matters in my own hands and contacted XXXX about the invalid lien and they said all they needed was the title search information from Greenlight and they could then expedite lien release, enabling me to refi my loan and move forward. I advised Greenlight all they needed to do was fax the title information to XXXX to move the process forward and the underwriter agent at Greenlight, XXXX XXXX XXXX whom had been " working '' my case for almost a year, said she would fax it over immediately. It has now been several weeks and Greenlight has yet to fax the title search information to XXXX, further extending my refinancing problem. I 've tried calling XXXX and multiple levels of her management, but not getting any reply. It is now obvious to me that Greenlight is only interested in processing " low hanging fruit '' loans and provides intentionally bad service to everyone else, effectively discriminating. I need CFPB intervention to help move this process forward.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 asked Experian to verify an account and to investigate it as it was inaccurate. 

They told me that they are allowed " not to reinvestigate '' which is an illegal statement and lie. 

In accordance with the 15 USC Section 1681 - they are obliged to reinvestigate and fix the errors on my report by removing the account. 

XXXX VS XXXX  1997 - clearly highlights that the burden of proof is with the Credit Reporting Agencies. There is precedence and the bureaus have to respect the law. 

I have attached a letter that I want you to see addressing them. 

You will notice the multiple errors on my credit report and their failure to fix the issue. 

Please have a look.

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 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court

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 02/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other fee

Complaint: I opened a credit card several years ago with no annual or membership fees but was recently charged a {$19.00} membership fee that I never agreed to. When I called to have it waived they refused to do so and claim it was in the original terms of the account but it was certainly not. This is the first time it was charged after having the account for approximately 5 years so I clearly did not agree to this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I need access to my property, for a realtor to appraise the home for a short sale. The mortgage company OCWEN will not talk to me, as they have pass the debt to a collection agency XXXX XXXX, XXXX. The collection agency will not ask the mortgage company for the name of the company I need to call to get the key. I ca n't get the process to move forward with out the appraisal, yet they both want payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (CA).
Issue: Credit decision / Underwriting

Complaint: have been working with this XXXX XXXX XXXX for over a year. To my excitement they finally pre-approved me and got me underwritten for a home loan. When we found our home we were denied. That was n't the hardest part of the process because they have misinformed me about percentages and other vital details during the loan processed. That was n't the hardest part of the process because they have missing for me about percentages and other vital details during the loan process. Another loan office wanted to pick up the deal and they would n't release it until I paid them. So I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home and being the night again that they had so I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home ( rental ) and being denied again that they had a block on our loan. We are now currently living in a friends tiny trailer with our XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I came to the branch to make a deposit and it took a very long time because there was only XXXX open. It 's the XXXX of the month and the branch is not prepared to handle the customers

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016, my chase online bank account access was suspended for no apparent reason. The bank personnel on the phone said that the external account to make the opening deposit does not seem legit so please go to the branch and make the deposit. I took XXXX forms of ID into the bank and made my deposit and now they are telling me that they will close my account today. They do n't do this to other patrons but since I am XXXX XXXX they are giving me a hard time about my account and I feel that this is bank discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Before I XXXX to XXXX in 2008, I co-signed my wife 's private student loan since I was employed and she was a XXXX. I came home from XXXX XXXX and XXXX XXXX. My only source of income is VA XXXX and XXXX. My wife left me and got a XXXX about a XXXX after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a XXXX and XXXX XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to XXXX and XXXX XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Non stop calls for a debt I do n't owe and they wo n't identify

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 checked my Experian credit report and there is a discrepancy that says I owe several hundred dollars for medical services that I did not receive. I have been on the phone with XXXX twice, each time for more than an hour. In fact, as I am typing this, I am on my 65th minute on hold. Experian has identified that the person who owes the debt that is on my credit report has a different name than me and that the debt collection agency does not have a social security number on file. I already submitted a " dispute '' 30 days ago and it was declined. Experian is telling me that the collection agency has the right to put it on my credit report since they do not have a social security number for the person who received the services. They also now are telling me that it is my responsibility and my burden to prove that I did not receive these services and that I am not XXXX XXXX. They are also saying that they will file another dispute letting the company know the issue, which they already did and it was already rejected. How is it that someone can damage someone 's credit report by guessing who owes the money and then it falls on the innocent party to prove that they did not receive those services and that they are not the person who owes money? It has left me with only an option to seek an attorney at this point.

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 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. Also attempted to contact XXXX, XXXX etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

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 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Experian flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. Experian is the only one to disregard these notices.

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 10/24/2016 about Student loan (Federal student loan servicing) with Student Assist Plus LLC (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In XXXX of XXXX I received correspondence offering assistance from Student Assist Plus, a student loan forgiveness program. I received a welcome letter, a client agreement, XXXX form, form authorizing automatic debit from my bank account, as well as a Student Discount Plan Enrollment Agreement. Student Assist retrieved $ XXXX month up until cancellation on XXXX of XXXX. Student Assist was asked two months prior to stop ACH debit and continued to take money until current stating they had no knowledge of my request. They also stated that XXXX, whom I pay my loan to, was under investigation and that I could not maintain my current payment status without their assistance. It is unfortunate that we attend school and make barely enough to live an repay the high loan costs only to be additionally duped by an agency that alleges to help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a random collect call collection on my account. there is no information anywhere on this and i dont accept collect calls. this is a random act of false information on credit reports trying to attempt collect a debt i do not owe.

Company response to consumer: Closed with non-monetary relief