milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent XXXX collection agency a letter on XX/XX/XXXX requesting written proof and signatures of the XXXX medical bills they have listed on my XXXX credit reports. In XX/XX/XXXX I was receiving government assistance and XXXX due to the fact that I was not working. I should not have a medical collection of {$75.00} and {$570.00} because I had XXXX. I also need proof of going to the XXXX and also my signature verifying that this was actually me. If they can not verify these please remove off of all XXXX credit report.

Company response to consumer: Untimely response
Consumer complaint received 01-10-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Equifax Credit Bureau three times. And I received investigation results letter by mail and Equifax still refused to deleted inaccurate off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage banker was PennyMac Mortgage in XXXX XXXX, XXXX XXXX XXXX and XXXX ( current mortgage ) paid Penny Mac {$150000.00} to a principal balance of {$150000.00}. Penny Mac insisted that a refund check was issued on XXXX XXXX, I got XXXX for {$60.00}, that is all. Other than this I have made extra payments in XX/XX/2014 for XXXX and XXXX payments of {$250.00} in XX/XX/2014 which were never applied to the principal. I have requested several times for a summary of all payments made by me from XX/XX/2013 to XX/XX/2014 and never received this. What kind of a mortgage company is Penny Mac hoarding the money of a poor homeowner who was never late in making payments, biweekly drawn by Penny Mac from my checking account. This was simple mortgage no insurance or taxes included, I pay for these out of pocket.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Delinquent account

Complaint: Late payment. 
Thank you for taking the time out of your day to read this letter. I just checked my credit report, and discovered that a derogatory ( 30 day ) late payment was reported on XXXX 2016 for my Wells Fargo credit card account *******************. 
During this time, my mother fell XXXX, and I was the only XXXX left to care for her. I had to leave my job, and my funds went toward her healthcare expenses. It was a very rough and difficult period. Due to the circumstances, I was unfortunately unable to make the payment toward my Wells Fargo credit card. 
I realise I made a mistake in falling behind, but up until that point, my payment history with Wells Fargo has been spotless. When I was able to gain income once again, I quickly paid the debt in full, making it my priority. Im not proud of this negative mark on my credit report, its the only XXXX I have, and as a long standing Wells Fargo client I would be extremely grateful if you could honour my request to remove this derogatory mark from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 
If the late payment can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 
Thank You, XXXX XXXX

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 01-06-2018 about Money transfer, virtual currency, or money service (Check cashing service) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Fraud or scam

Complaint: I tried to cash a child support check from the state of West Virginia at my local XXXX. It was declined with no reason as to why and I was n't given a receipt. This was after inputting my social security number and drivers license. I called Certegy, the company that declined it, had to give them all my info, check information and amount. They would not give me a valid reason. I think this is some sort of scam to sell credit information. And from what I read on consumer affairs, thousands of people have had the same issue.

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 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX related issues. First, my name is being reported incorrectly, and as a result, I have information associated to my credit reports that is not mine. So now that I am trying to buy my first home, I have names and addresses in the report that are just wrong. I tried disputting it directly with Experian, but they kept saying they could n't honor my request online. Very frustrating, as I have very free time at the moment to stay in the phone for hours.

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 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: About 4 or 5 years ago I had to bankrupt due to lots of medical bills for my son. AT that time I got an attorney and it was really pretty simple. About 6 months ago I was looking into refinancing since my finance charge had gone up due to the bankrupt agreements. I could not seem to get anyone to talk to me about refinancing. To make a long story short my loan was never reaffirmed. I had no idea what that meant until now and I do not know how that happened. For this reason I went back to my attorney and he had to reopen my case. I have since foundout that my perfect payment record is not being shown on any credit beaureau. In other words it is like i do not even own my house. The attorney said they could not do that so now I am find out that apparently they can. My complaint is this. I was not told by anyone about this. They reaffirmed my car but nothing was said about the house. Now the mortgage company says it is my attorneys fault and my attorney says it is thiers. All I know is I am paying on my house and have my credit back in good standing. I am XXXX years old and plan on staying in this house. I am still working because I can not afford to stop working. I need some help to find out what I can do. I think I am being thrown from one person to another saying it was each others fault and here I am still with no house. No credit showing and can not refinance to get my percentage rate down to an affordable monthly payment. Please let me know what I can do. I feel like I have been given the run around by everyone. I have paid out lots of dollars to try to get this corrected and now it looks like I am losing that as well. Please give me an idea as to my next step to fix this. Sincerely and I am not sure what they have done I went from fixed to I believe they call an arm now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX popped back on my credit report without sending me any notifications in the mail. They also failed to report to the credit bureau within 30 days of my dispute from their previous reporting. By federal law they are required to place a " notice of dispute " on my account within 30 days of my dispute. In which I send certified # XXXX. In which was signed on XXXX XXXX,2017. I  have retained a copy of the date and receipt as well as a time-stamped copy of my credit reports, showing a violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: I have been trying for weeks to login into EQUIFAX disputes online via there website and my EQUIFAX account with no success I always get a system down message. I am a paying member of Equifax credit watch and am very annoyed I can not access my credit report!!! I have tried calling in and speaking to someone to fix this issue with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is listing items on the credit report for XXXX that do not belong to that social security number. I attached a copy of experian credit report. only 3 of these accounts report to XXXX. This means, they are double reporting accounts, which is illegal. For Example XXXX Account # XXXX can not report to XXXX social security numbers. XXXX Account # XXXX is already reporting to XXXX. It can not also report to XXXX because they do not even have that number to report to. Experian is not the government,. and must honor each social as its own entity.

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 10/20/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Account opening, closing, or management

Complaint: Hello, I am writing to dispute information on my consumer reporting file. I have been a victim of identity theft and believe there is false information on my file. 

Specifically, I have been living abroad for 3 years and I learned that while I was abroad my identity was used by a third party, potentially family member, who had my information and was aware that I was out of the country. 

Please remove all records for the past 3 years as they are not valid nor a result of my actions. I have not utilized a XXXX account during my time XXXX, thus any records for this time period are likely from fraudulently opened accounts. 

Attached is a relevant IC3 report for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: equifax has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.       XXXX   is the one who put the fraud alert on the report then they notified Equifax and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from XXXX and Transunion XXXX They are all dated for the year of XXXX and XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I initiated a refinance through our existing mortgage lender, Pacific Union Financial. We started the refinance process with plenty of time for the loan to close prior to a 30 day late. We have never experienced a 30 day late in all of our years as homeowners. We were assured by the loan consultant that our loan would close/fund within 30 days. Although we signed all loan documents on XXXX XXXX ( with plenty of time for the loan to close/fund prior to end of month ), the loan did not close until XXXX XXXX, 2015. I have documentation in writing ( e-mail from escrow office to loan consultant ) explaining that a mistake was made in terms of the payoff amount and this caused a delay in closing our loan. Nevertheless, Pacific Union Financial reported my wife and I to the national credit agencies as being more than 30 days late in our mortgage payment resulting in a severe impact to our credit rating. I wrote a letter to Pacific Union Financial on XXXX XXXX, 2015 but was surprised to receive a response on XXXX XXXX stating that they were denying our request to correct this issue. This was an irresponsible reaction given that the mortgage lender was provided with the written documentation clearly showing that a mistake was made in the processing of our refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX deposit was made on my account, which was returned due to NSF. Immediately after, replacement check was mailed out, which cleared to the account. 
After the check was returned, restrictions were placed on my account and I was asked to contact Capital One 360, which I did number of times. I have left voice mails, as well as, sent a letters and email, though no correspondence/call was received by Capital One. 
During this time period, I received a letter by Capital One advising that I might be a victim of ID Theft, which I sent correspondence stating that I was and sent in all supporting documents. After long argument with customer service, I was able to get hold of the correct department, where I was asked what I would like to do with account and my correspondence was that I would like to continue having account with Capital One and take care of the restrictions on the account, which at that point there should have not been any issues with the account. Representative responded that they have already made their decision to discontinue the relationship. I requested to have the remaining balance in the account to be sent to me, when representative advised me that I will need to contact the third party and dispute the transaction on their end, which I do not believe is the right procedure when the bank closes someones account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). 
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. 
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. 
The bank 's mortgage transaction statements are totally confusing and not clear.

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 02/28/2018 about Debt collection (Medical debt) with American Collections Enterprise, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX, I receive a call from XXXX saying I was past due in my amount, I pay XXXX dollar a months, The reason why I was late on this payment was because my card broke and got it replaced, I had a a temp now, I told the lady that i was going to call back with the car info went i receive the new one so they can setup auto payment again. This lady was so rude she told me, well I dont understand why you can give me the info of the temp card, I told her I dont have it with me and i Dont want to set up nothing with that until i receive the new one, she kept harassing me telling me why dont you just make a payment I told her until I receive the new one and she kept going I told her fine Ill call back with the info. On XX/XX/XXXX around XXXX, this lady called my job for the 3x to speak to me, she was rude to the person who trasfer the call to me gave them attitude, my boss came to me telling me that this lady XXXX was rude and that not like this because is the 2nd time she act this way, I dont understant why she calls my job after I told them not to call my job. So I called them back spoke to XXXX, I told her that I did not want her to call my job especially if she is being rude, she started talking to me rude with a loud voice, I told her that I need to talk to her manager, Her manager was even more rude I explain everything that happend to her and she was like well we are trying to collected our money and I told her what happen and I told her that IA did not appreciate them calling my job and being rude to my manager and she was like well we are allow to call your job even thought I told her dont call them on the 2nd time they did. she was like we need to collect the money and is not fair you get service and dont paid, I told her she doesnt even know why I got service it was because it was a emergency is that that i wanted but I was trying to paid atleast she told me well basically you have taken so long, yes I have with XXXX kids and single mom but Im trying now she kept being more rude and I told her Ill find someone to help me or get a lawyer or something because they will make me lose my job taking to may boss rude.

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 03/25/2017 about Debt collection (Non-federal student loan) with Reliant Capital Solutions, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have received XXXX college degrees and working on my fourth, while in the pursuit of my second degree I took a break and then restarted resulting in some out of pocket expenses. The loans I obtained in the pursuit of my degree. Therefore I owe all of my loans to one lender and I can not also still owe the collection agency, their database was never updated when I returned to school and completed my degree to become a nurse. The above mentioned company is Reliant Capital Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address was added to my credit report  XXXX   XXXX   XXXX  and that is not my address and I do n't know that address.

Company response to consumer: Closed with non-monetary relief