milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX    I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX   )  through   XXXX   XXXX   ( now   XXXX   ). It came to my attention when I pulled my credit report in  XXXX  that  XXXX  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with  XXXX  's fraud department around XX/XX/XXXX , and also filed a police report with the  XX/XX/XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement thr ough my email of one of the  loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We filed bankruptcy in XX/XX/XXXX?? We included a home we have a mortgage with DiTech, so that we 're protected, but we continued to pay the mortgage & still pay every month. We did miss paying the tax payment in XX/XX/XXXX, and DiTech paid it & added it to our mortgage. 
DiTech continues to call us several times a day, morning, afternoon, or evening. I accidentally answered one of their calls & the man claimed we missed 2 payments -- which was totally false. I told him to stop calling us. They mail us certified return receipt mail. 

It 's just harassment, after harassment, after harassment. We assume it 's because they want to refi the mortgage so that it is no longer protected under bankruptcy. But I did tell them we plan to continue paying the monthly bill every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Central Portfolio Control Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had shopped a XXXX and had a couple of inexpensive items on value-pay. When I updated my credit card information they did not process it correctly and then, with out my permission ( I have no idea how they even obtained the phone number ) they called and harassed my XXXX year old parents because of it, causing damage to my relationship. 

My credit card was changed out by my bank because there was fraud on the account. I had to wait for the new card to arrive. My phone kept ringing and then the person would hang up when I answered. I finally did a reverse look up to find out it was Central Portfolio Control/XXXX that was calling. I called them back and told them I had updated the card, which had arrived by then. But they still kept calling more than once a day. Two days ago I went to my parent 's home and found out that Central Portfolio Control/XXXX had been calling my XXXX year old parents and harassing them all week too. All of this over missed value payments of {$45.00} that was less 15 days over due, and after I had updated the information several days before. They have no right to violate my privacy by calling and harassing my XXXX year old parents. I 'm a married XXXX year old woman that lives in a different city than my parents. I have never used my parents phone number or given Central Portfolio Control/XXXX permission to contact them. I live in California and this is not legal in that state. 

There is no way they can undo the personal damage that they did to me by violating my privacy in that way. All of this over the transfer of a credit card and {$45.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have many credit inquires that I did not authorize through Equifax.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX authorized user accounts. These XXXX accounts are my wife 's accounts. The issue I am having is Equifax is removing these accounts. I have called the banks and confirmed that Equifax is removing them. I have to call these banks every month to repost. Only XXXX account out of the XXXX will show up on the Equifax report at one time. I spoke to XXXX on XXXX/XXXX/2016 and they said that they report every month to Equifax. I spoke to a Equifax supervisor on XXXX/XXXX/16. I was told that since my credit report file is large that Equifax does not have enough room to report these authorized user accounts and these AU accounts are being removed. This is not acceptable. This is hurting my credit history and credit score. Equifax said that there is nothing they can do to fix this issue on their end. My credit is not reporting accurately. Equifax needs to fix this. Equifax has basically told me that my credit report is going to keep reporting incorrect information and they will not fix it. There is no dispute number since there is no account to dispute because Equifax removed it. I am including my XX/XX/XXXX Equifax. It lists the XXXX XXXX XXXX Account, XXXX, and XXXX XXXX, and XXXX account, The Equifax report in XX/XX/XXXX has XXXX. The Equifax XX/XX/XXXX XXXX was removed. According to Equifax while we were on the phone the XXXX AU account re-appeared shortly after the XXXX account was removed. This needs to stop. I need all of my wifes AU accounts posting correct on Equifax. XXXX XXXX XXXX and XXXX show up on the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX   I was unaware of this creditor and upon finding out requested documentation through   XXXX   XXXX   XXXX   dispute. Upon not receiving the information requested, I contacted the  JH  Portfolio directly through the   XXXX   XXXX   XXXX   ( BBB ) complaint ID #  XXXX  on   XXXX   XXXX   XXXX   to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio res ponded to my complaint on   XXXX   XXXX   XXXX   that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  XXXX   Portfolio therefore they d o not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the   XXXX    ( i.e. signature contract agreeing to pay ) they need to retract this from my credit file immediately.

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 04-03-2017 about Credit card () with DISCOVER BANK (PA).
Issue: Credit card protection / Debt protection

Complaint: Discover credit card offers price protection to promote its use. I 've been using this benefit in the past without any problems. Lately one of my claims was denied because they used different Criteria to determine the eligibility. My previous claim XXXX was approved on XX/XX/2015 for XXXX puchased from XXXX and paid back for the price difference. My newer claim XXXX was denied, however it was the same puchase in nature for XXXX. The price protection is against the same store to pay back the price difference. There was no notification about any new policy or change of term of the price protection. It is not fair for consumers to continue using the credit card under the false assumption that the benefit is still available. I contacted the discover price protection XXXX when I first received denial letter around XX/XX/XXXX. I then wrote a letter to them, but was denied again XX/XX/XXXX. I hope Discover could honor my request for {$190.00} price protection difference. I also wish Discover could send out letters to other consumers about their change of policy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

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 02-05-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: SW CRDT SYS is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for XXXX. While the account was in good standing I stopped this service. That was over 9 years ago. I had never hear from SW CRDT SYS so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.

Company response to consumer: Closed
Consumer complaint received 10-02-2017 about Debt collection (I do not know) with CNG HOLDINGS INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I n 2001,   XXXX   XXXX   XXXX  issued to me a  XXXX  ending in   XXXX    XXXX .  <P/> Their 30-day late payment notice is still on my credit report.  <P/> I believe the statute of limitations has passed.  <P/> So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX    XXXX   and their new credit card department in  XXXX   XXXX  (  XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX we entered into a contract with XXXX Citibank for the purchase of a seadoo with a 36 month no interest loan. 
we have had nothing but problems with this company on a monthly basis. I pay on my account through billpay from my bank XXXX a month. 
Starting in XX/XX/XXXX my monthly statement has been in correct with varing different amounts due. 
XX/XX/XXXX I spoke with XXXX and was told pay the incorrect amount for 2 cycles and it will correct itself well guess what nothing has change except my having to call monthly to get interest and late fees removed. 
XX/XX/XXXX talked to XXXX was told all fees would be removed and corrected. 
XX/XX/XXXXtalked to XXXX Team XXXX was going to submit to team that can correct the issue of wrong minimum due on statement. So I logged into my account on XX/XX/XXXX and the amount of XXXX was corrected, so I paid my payment. 
I received my XXXX Statement with the incorrect amount again of XXXX I called and talked to XXXX Team! she said she would submit to their backend dept to have the statement corrected and they are required to call me back within 72 hours, well they said that last month and I still haven't had a call back. 
What can be done about this UNFAIR treatment when I'm following my contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Student loan (Non-federal student loan) with AES/PHEAA (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: AES is the worst financial institution I have ever dealt with ( and I 've XXXX ). They continually mislead consumers with their billing statements. They deliberately exclude the accrued interest on principal balances and do NOT show the proper account balance on regular billing cycles! 

This harms consumers. We can not make the best, most informed repayment decisions if the information we are receiving is partial and misleading. 

I am disgusted with this company. These interest rates are so outrageous they should be illegal. Incorrect or incomplete customer correspondence & billing should be a crime and this company should be prosecuted and heavily fined.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: XXXX. 

Bank in question : BB & T, XXXX. 

Problem : I have an existing account, a basic senior citizen checking account. The account was opened when the bank was XXXX XXXX, now taken over by the unfriendly mindless outsider, BB & T from XXXX. They are completely clueless. I was sent an e-mail, informing me that my new printed checks and ATM card were ready for pickup. I had a mind-numbing conversation with XXXX XXXX, at XXXX XXXX XXXX XXXX branch.. Phone number XXXX,. Fax XXXX, e-mail : XXXXXXXXXXXX. I presented my expired XXXX driver 's license ( no longer drive : laminated plastic including, my photograph, plus a Blue Cross/Blue Shield card, embossed by Blue Cross with my name, an XXXX XXXX member card, also bearing my name, and my official Senior Citizen XXXX-issued bus pass, valid anywhere in the state of XXXX, funded by proceeds of the state lottery, also bearing my full name, card number XXXX. 
BB & T REFUSEDto hand over my new card and checks, stating that, their doofus " policy '' required a current photo identification card. I explained to XXXX XXXX, several times, that I wanted my money, earned thru years of XXXX. She claimed she would NOT be able to comply with my request without the silly photo i.d . card. UNACCEPTABLE. I deposited the money, a United States Savings Bond, XXXX, assuming I could spend, my personal savings towards a few items I planned to purchase prior to XXXX holiday ; XXXX, a digital camera, a few gifts for family members, etc. BB & T is holding MY MONEY hostage. I demand both state and federal agencies with oversight of banking regulation compel BB & T to answer the question : Why ca n't I withdraw MY MONEY??????????????????????????? 
BB & T should be, held liable for my incovenience.. Someone should be compelled to testify, under, oath, concerning BB & T 's mysterious attitude towards cosumers, which is cold, non-caring, and simply not acceptable. BB & T should leave the state if this the norm. 
XXXX consumers demand and deserve better. Period. I served FOUR YEARS 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 07/18/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Ongoing connectivity issues to online mortgage account with LoanCare servicing. I 've been experiencing many problems being unable to access my online mortgage account to download statements and pay my monthly mortgage using online payments. Additionally, when this happens and I place a call to the mortgage servicer I consistently have unusually long ( 30 minutes ) hold times before I can actual speak to someone to attempt to address these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: On XXXX XXXX, XXXX a representative from Chase had pulled all XXXX credit bureau without my permission, and I had an associate and a supervisor to inform me that Chase has that right within their Terms and Conditions. However, Chase 's terms and conditions does states that Chase does has the right to pull all XXXX credit bureau. On the other hand, the terms and conditions do state that Chase must provide me with the credit bureau 's name, address, and phone number to which Chase is obtaining my credit score. Chase sent a letter on XXXX XXXX, XXXX only requesting to pull from XXXX and not from XXXX and XXXX. Thus, on XXXX XXXX, XXXX the credit inquiry for XXXX is perfectly fine ; however, I would like the inquiries for XXXX and XXXX to be removed from my credit report as a hard and soft inquiry. In addition, I tried to explain to XXXX XXXX with Chase that this wrong on the part of Chase, and Chase should honor their terms and conditions. Because Chase used the terms and conditions to explain to me about obtaining all three credit bureaus, but once I pointed out that their terms and conditions do state that Chase must provided me with all credit bureaus are pulling my credit score. Furthermore, XXXX XXXX with Chase is going to say " if Chase request to have inquiries removed from XXXX and XXXX that my Credit Limit would be lowered. '' Now, how is you threaten my credit limit for the Chase XXXX Credit Card when XXXX has the highest credit score in the first place. In addition, Chase sends a letter stating the inquiry process was invalid, and I still requested from XXXX XXXX to remove inquiries based on their research. Yet, again XXXX XXXX refuses to remove the inquiries from XXXX and XXXX ; however, The Georgia XXXX XXXX XXXX and as a letter from XXXX say that a consumer reporting agency must provide me with all credit bureaus to which they are trying to obtain my credit score. Thus, I am requesting to have the hard and soft inquiries from XXXX and XXXX, and to keep my credit limit at {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: I believe Nationstar Mortga ge, LLC may be co mmitting widespread fraudulent adjustment of variable mortgage interest rate loans, at rates higher than legally allowed in the mortgage contr act : 1. Nationstar acq uired our adjustable interest rate mortgage last Fall from previous holder,  XXXX   2. First  adjustment notice under  Nationstar r eceived  XXXX   XXXX ,   XXXX  , indicating interest rate increase from 3.500 % to 4.12 5 % 3. Cont ract provides  for MAXIMUM rate increase of 2.25 % + LIBOR rate  in place at 45 days prior to change date  4. Nationstar adjustment to 4.125 % would equal LIBOR rate of 1.875 5. On the 45th day prior to the change date the ACTUAL LIBOR was only 1.81. During the 30-day period around the change date ( 15 days prior and 15 days post ) ALL LIBOR rates were lower than the 1.875 6. Using the actual 45-day prior LIBOR, our adjusted interest rate should have legally been 4.06, NOT 4.125 % 7. The difference in rate would illegally cause us to pay tens of thousands of dollars in additional interest over the life of the loan 8. A com plaint filed online with Nationstar on  XXXX   XXXX ,   XXXX   has remained unanswered  9. If this is a systemic practice, all adjustable rate mortgage holders with Nationstar could be being charged hundreds of millions of dollars in fraudulent interest 10. Seeking investigation into both our loan and whether this is a company-wide fraudulent busines s practice

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: wells fargo gave me XXXX for forgives of debt.

Company response to consumer: Closed with explanation