milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted a dispute on a Tax Lien issue by  XXXX   County Superior Court  in    XXXX   XXXX    in the amount of {$1800.00}. I paid that lien in full in    XXXX   XXXX   XXXX   . I received a full lien release on    XXXX   XXXX   XXXX    from the  XXXX  Department  of Revenue . The  Tax Lien  was removed from my Equifax credit file on    XXXX   XXXX   XXXX   . One month later, the tax lien was reinserted into my credit file with Equifax. Both  XXXX   County Superior Court  and the  XXXX  Department  of Revenue  sent me an email indicating that they never divulge any information to any credit reporting agencies ; therefore, the tax lien information has been furnished by a third party agency and I was never informed that the item had been reinserted into my credit file, which violates the Fair Credit Reporting Act  611 ( a ) ( 5 ) ( B ) ( ii )  which states : In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii  ), you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted mate rial ( ii ) No tice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 ) b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX 2010, we were forced to relocate for a job. To do so, we had to short sell our home. At the time we had XXXX mortgage lenders, XXXX of which was XXXX Bank. XXXX mortgage lenders agreed to report on our credit reports that we settled for less than the amount owed. This was a bank approved short sale. We NEVER had any late payments, current all the way up to the final sale of the house. XXXX bank reported the sale as a foreclosure on our credit reports, as well as a serious delinquency. This is completely untrue, and as a result has had a major derogatory impact on our credit score. We have made multiple attempts to have this fixed, and they have refused. XXXX reported it correctly, XXXX absolutely did not. Please expedite this request because we do not want to suffer another financial consequence because we are in the process of refinancing, and this is substantially effecting our credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, My family and I are going through a terrible time right now and need help. In 2003 I consolidated my student loans with XXXX XXXX ( now Navient ). My objective was to pay additional sums to principal each month in order to subordinate the loan faster. I put this in writing directing XXXX XXXX to do this, To my chagrin this did not happen. After attempting to get to the bottom of what happened, Navient simply obfuscated and has now sent my 'balance ' to XXXX for default. I need help as my credit is getting hammered and I feel frustrated at the lack of respect I 'm getting from Navient and XXXX. Where are my rights as I am outraged at this mess. 
Please have someone get back to me. 
Also, I have received hundreds of threatening and harassing phone calls from a collection agency hired by Navient that fails to identify itself and refused to stop calling. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a {$730.00} balance through XXXX XXXX XXXX XXXX that XXXX XXXX XXXX claims to have no knowledge of. They keep asking about services I have never had through XXXX XXXX XXXX and there is no number relating back to my name or social. XXXX ( XXXX XXXX ) is the creditor and I keep receiving mail from them about this anonymous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Making/receiving payments, sending money

Complaint: This complaint is regarding Wells Fargo. XX/XX/XXXX I refinanced my home mortgage taking cash out to make home repairs, pay off an auto loan and pay off an installment loan with Wells Fargo. On XXXX/XXXX/16 I made the final payment on the installment loan at a local Wells Fargo branch. This check included a slight overpayment. The payment on the loan, final accrued interest and overpayment were all processed on XXXX/XXXX/16. On XXXX/XXXX/16 Wells Fargo reversed the entire amount paid on XXXX/XXXX/16 telling me the loan payoff was coded incorrectly. The representative on the phone told me on XXXX/XXXX/16 the loan payment was being reprocessed and should be back dated to the actual payment date. In the meantime, Wells Fargo is telling me the same installment loan is past due and put a {$39.00} late charge on the account. On XXXX/XXXX/16 I called customer service to find out why the reprocessing of the loan payoff still had not gone through. I was told it was still in process. On Saturday, XXXX/XXXX/16 I went to the local branch where the original payment was made back on XXXX/XXXX/16. The personal banker called on this same installment loan and was told the payment was not made correctly. And that Wells Fargo is reprocessing the payment. This personal banker in the branch said everything was applied correctly on her end, so she felt this should be resolved and soon. Today, XXXX/XXXX/16 I contacted Wells Fargo customer service via phone again and was informed the bank check from the title company was returned for insufficient funds twice. We contacted the title company who confirmed verbally the check for the loan cleared their bank on XXXX/XXXX/16. Account numbers and check numbers were confirmed. Payments were due on this installment loan on the XXXX of each month. The loan is now XXXX days past due according to Wells Fargo. Yet I have a receipt with a transaction number proving I paid the loan IN FULL on XXXX/XXXX/16. This loan pay off was rolled into my current mortgage with Wells Fargo. So I feel they are trying to collect on the same debt twice and/or lost {$6800.00}! I keep getting told by Wells Fargo " we need to research this '' but no one can seem to get this resolved.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. Chase reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on Chase part to do a proper investigation. My credit was perfect up until this fraud and deception took place!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with COLLECTIONS USA, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection USA INC Account XXXX {$4900.00} Breach of lease in AZ was caused due to domestic violence and the leasehold office allowed my ex-husband to enter my apartment without notifying me ( only on lease ). They witnessed him climbing the balcony and did not notify the authorities. The Collection Agency did not do it 's due diligence when dispute was filed. State Law ( XXXX XXXX. XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Synchrony Bank has XXXX derogatory accounts listed on my credit report via JC Penny and Walmart. Both accounts have remarks that state " paid after charge off to XXXX party collections. '' I called synchrony to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I do n't know why you refuse to help people. Seems to me you make lots of false claims and do litte to actually help recify the growning racketeering that has arisin again. I had XXXX loans initially with XXXX firm that was allegedly purchased by a huge firm, but NO one can provide an fact regarding a RESPA Request. 
They ca n't do this, although they have tried with XXXX different lawfirms that try to intimidate people but are very carful on the working in their letters. What is really sad but very important and revealing is the fact that these law firms have had their problems with foreclosure litigation against them. 
These " pretend '' servicers-lenders are very very ticky and know how to create smoke and mirrors as well as being great at deceiving people with their mailings. Most have " paper mills '' that put out the fabricated, forged, phony, and even " robo-signed '' signatures and notaries!! Even many local trustee/recordrs are way to sloppy in not asking for proof before recordings. 
My most recent encounter is with a very nasty lender I have been fighting for five ( 5 ) years on XXXX loans and this company has well over 40,000 complaints logged against it through CFPB- so there is really something wrong here when you send a person like me a letter and say the " other party responded '' and we have closed the case based upon the mere lender 's reply and response with some of the phony documents attached. 
I have undisputed proof on all XXXX loans that they no longer existed after the first company was bought out. There is also a recent ruling against racketeering here in Colorado in the XXXX Circuit Court Ruling in XXXX et al. v. XXXX XXXX and Bank of America issued on XX/XX/2016 and the CFPB even ignores this and thousands of cases against this company which shows just how corrupt our system is and the fact that our very own government is in on all this racketeering. Otherewise they would be taking positive action to issue a nationwide moratorium on foreclosure so things do n't get out of hand again like in the past. 
I hope the new administration finally disbands the useless, dysfuntional, and questionable CFPB and many others. It is truly time for change in my humble opinion.

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 07/27/2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (MS).
Issue: Trouble during payment process

Complaint: Mortgage Servicing issues with 360 Mortgage. 360 Mortgage Company LLC has threatened me with foreclosure. My account is current according to my contractual mortgage agreement. The company has contacted me several times today on XXXX XXXX, 2017, and has assessed charges and refuse to supply proof as to the charges such as {$460.00} for XXXX XXXX XXXX for XXXX XXXX. Property Inspection. The company has continued to charge me for this but has not supplied any proof the claimed inspections were performed. The company has continued to either not apply my funds immediately when I paid them to my account or charge me alleged fees and cause my account to be delinquent or go into default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Here is the situation, Bank of America, my mortgage company, placed forced insurance on my home ( I also had homeowner 's but it expired during this timeframe ). In XXXX in the fall right around the time of Hurricane XXXX, a 200 year old tree fell on and halfed my house, taking out XXXX bedrooms, the roof and more. 
I notified the bank and after a long time an adjuster came out and a determination was made that the damages amounted to over {$80000.00}. Well, since XXXX, Bank of America, despite calls and letters, has not released any of those XXXX repair funds and my home has been broken into, items stolen, rain, mold, further damage has been sustained and I have requested that the full insured value of the home insurance policy be released over {$300000.00} based on new damages due to the fact that the bank was untimely and has withheld ( and still is withholding the XXXX repair assessment PLUS EARNING interest ). Previously they released in XXXX funds they had held onto and earned interest on ( though they did not give me the interest earned XXXX from XXXX and XXXX in XXXX!!!. The home now needs to be DEMOLISHED and completely rebuilt which is why I need the full value of the forced Bank of America forced insurance policy NOW. We have been unable to occupy the home since the damages and the place we were renting is now being sold and we are homeless and living with relatives out of state. My loan was recently modified by the bank but I told them I can not afford to pay the mortgage for a home that is condemned and we ca n't occupy AND pay rent. Please force BOA to release the full value of the policy so the home can be demolished and rebuilt. I am also incurring fines/fees from XXXX XXXX based on the condition of the property. I have written to BOA, contacted XXXX XXXX and XXXX and XXXX, who helped me purchase the home in XXXX. 

Bank of America has placed forced insurance on my home in the past and when claims were filed NEVER paid them out and added insurance onto the property though they had documentation that I had purchased my own homeowner 's policy. Now they have been holding onto the insurance repair funds for OVER three years while the property steadily deteriorates and expects me to pay the mortgage for a place that is uninhabitable and can not me made habitable because they have not released the insurance funds to repair it WHICH are No Longer Enough to repair the home which has toxic black mold, water damage, animals inside ( squirrels, mice, raccoons, etc. squatters, thieves have ransacked it and my personal contents. ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent XXXX XXXX XXXX. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing XXXX XXXX has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money. 
XXXX XXXX has not complied with FCRA 623 ( a ) ( 3 ), or section 603 ( p ), and has not complied with the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a traditional mortgage thru Chase. At the beginning of the mortgage, I set up a Chase pay account and made 13 payments per year. In addition to making an extra payment per year for 9 years, I also included an extra {$100.00} to {$200.00} per month to pay down the principal of the loan early. Chase acknowledges getting 13 payments from me in XX/XX/XXXX and every year prior to XX/XX/XXXX, but is reporting me as late for a payment XX/XX/XXXX. Chase is stating that regardless of what i did in the previous year, they are going to report this payment late.

Company response to consumer: Closed
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

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 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion, has failed to report correctly despite multiple attempts to correct information. I have sent disputes via mail and through the website. Not only has it been embarrassing to my brother, who they have fully disclosed his debt and financial situation to me, but it is jeopardizing my ability to provide for my family as we are coming up to some major financial decisions in the next year. TransUnion is the only XXXX out of the XXXX agencies that is grossly incorrect. I am currently active duty and XXXX dealing with the hardships that come along XXXX and having to deal with this credit agency over and over again is completely absurd. 
After sending in all proper documents for identification and detailed documentation identifying each dispute TransUnion responded with an even more faulty report. Attached are the documents with hand written corrections. Not only did they keep the items that are not associated with me but they took off an item that actually belongs to me. I am unsure if this is my brothers report with my name on it, or if they just continue to not know how to discern XXXX individuals with a very similar name, same birth date ( we are twins ) and different social security numbers. I am at a loss on how to the credit reporting agency is unable to do its job to properly investigate and report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX is trying to dispurya debt for XXXX XXXX and XXXX a hospital I have never visited. I have tried to dispute this error with all XXXX credit reporting agencies and they have yet to remove this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (ID).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for the " XXXX XXXX '' credit card several years ago after having an account with US Bank since XXXX. The card promised airline flights on a tiered mileage program where I could get a ticket for XXXX points/dollars spent without restriction on when I could travel, providing normal seats were available. I accumulated XXXX points over several years and intended to use them now that I am retired. On XX/XX/XXXX, I called in to XXXX plan to book a flight late in XXXX. I was shocked to find out the XXXX plan program was changed in XXXX to a market based system where my points are now worth about 60 % of what they were worth 10 days earlier. After several hours, I finally booked a ticket at XXXX points. The options available for when I would travel and stops were also very limited through XXXX plan, but not if I contacted the airlines directly. So I am now having to pay whatever the market will bear ( and it does appear the airlines are charging the bank top fares which get passed on to the consumer under this new system ). The promise I will not have closed days and higher cost days is also now invalid because now the market value basis on popular days or popular times makes the cost in points prohibitive. If the bank had implemented their new program but made points accumulated to that point grandfathered in under the tiered rules when the points were accumulated, there would not be a problem. The bank tells me they sent snail mail envelopes to my post office box notifying me of these changes, but I did not receive any notices of this change. They could have emailed me, called, or provided some sort of confirmed receipt of the messages they supposedly sent -- but no effort was made by the bank to do that. I do not believe the notices were sent to the correct address. Even if they were, the practice of reducing my accumulated points to 60 % of their previous value and not honoring their promises using a grandfathered in approach is irresponsible. I am now XXXX in a protected XXXX class and unethical slight of hand tricks to reduce the value of my travel opportunity now that I am on fixed income shocks me. I do about {$30000.00} in business with us bank each year on my credit card. I am surprised the bank thinks it is worth it to reduce my flights ( using rewards ) from 3 to 2 after all this time and money spent with 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 explanation