milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were " unable to honor your request '' when the consumer receives a denial for their free annual credit report.

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 12-01-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: XX/XX/2016 I purchased my home and my loan was sold and serviced by Freedom Mortgage. The mortgage was an FHA loan. In XX/XX/XXXX I received an offer from Freedom Mortgage for the FHA Streamline refinance program and I applied in order to reduce my rate. Initially, the closing was going to occur in XX/XX/XXXX until I was notified the program requires 6 months of on time payments. Given my mortgage was new the 6th payment would not be made until XX/XX/XXXX. I remained in communication with the loan processor XXXX XXXX, who told me everything was fine and once the XX/XX/XXXX payment posted we 'd move to closing. My payments are setup to pull automatically every month on XX/XX/XXXX and have been since the loan 's inception. My Bank account can show this. On XX/XX/XXXX I followed up with XXXX to notify her the payment had been pulled. Around XX/XX/XXXX my wife, who is a co-signer, received a Credit Denial letter. I myself have not received a decline letter. The reason for the denial of credit was due to a late mortgage payment. This is inaccurate and they should know better since they can see my loan payments are pulled by their system every month automatically. When I inquired about this the processor pointed to the loan officer, then loan officer pointed to the processor, and then the processor pointed to the underwriters. Nobody was willing to admit a mistake was made and to correct it. Finally I got a manager 's information from XXXX, her name was XXXX. She too was of no help and would not recognize their mistake. 
This is unacceptable practice. The denial reason is bogus and easily corrected if they would simply check their system and confirm the loan payments are automatically drawn each month. I called their customer service to confirm we were current, and they concurred. Clearly a disconnect between their departments and information between the two. 
What is even more upsetting is the rate lock has expired now and with the rising interest rates over the past few weeks I will not get the rate which was originally locked at 3.75 % even if they were to reopen the application. This rate reduction would have saved me over {$25000.00} in interest and I intended to keep my payments the same at which I pay today. This would have eliminated close to 4 years off my mortgage.

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 06/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A Tax lien was placed on my house, by state of Georgia, in XXXX XXXX. This debt was paid in full, I have attached copy of paid tax lien stamped paid XXXX/XXXX/XXXX. I am requesting this be removed from all XXXX credit report agencies from XXXX, Equifax , and XXXX under the Fair Credit Act. I have no late bill mortgage in good standing with good credit history. If State of Georgia has removed this negative report for others then I have right to have it removed from mine. I have attached a screen shot of my Equifax credit report ran XXXX/XXXX/XXXX showing it is on there as negative debt. 
Thank you for your serious consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: REFERENCE TO COMPLAIN CASE NUMBER XXXX ATTACHED A COPY MY UTILITY BILL TO PROVE THAT THE ACCOUNT DOES NOT BELONG TO MEDear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay debt in the sum of {$45.00}. The debt I did not own, the debt that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 
THIS DEBT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Payment to acct not credited

Complaint: I applied and received a loan from Castle Payday. After Castle Payday closed operations, apparently they transfer my obligation to a third party, Big Picture Loan. I continue paying to Big Picture Loans for almost 15 months, but XXXX day I received a call from another company, XXXX XXXX, claiming that Castle Payday transfer my debt to them and not to Big Picture Loan. After I received a letter from Big Picture Loan clarifying that indeed they were receiving my money by mistake and they ( Big Picture ) will refund me with a check for the total amount, I decided to pay my total debt to XXXX XXXX. That was 3 month ago. After that, Big Picture Loan never returned my money. Several calls from me to Big Picture have been for nothing. They said that the check was sent, I never received anything. I felt like my money was stolen by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was referred to XXXX by a friend. I was told they were an Obama Loan Forgiveness company. I called them, and they said they worked with the Dept. of Education. I was told I was running out of time to consolidate the loans under this program, had to pay {$49.00} a month for 3 years. Signed contract on XXXX XXXX, 2016, was told they will consolidate and wipe out loans completely for a total of {$1400.00}. Found out after that it said I had three days to cancel in fine print. Called the Dept. of Education and they said they had no knowledge of this company and that they should not be taking fees for this service. 
Called back saying I wanted to cancel because they were not with the Dept. of Education and I wanted to go back to school to get a XXXX, and knew I could get loan forgiveness. Asked if I could pay a penalty but was told I was stuck with them for at least ten years, or to pay the {$1400.00} immediately. Changed bank account but they keep calling me, since XX/XX/XXXX, to collect payments they think I owe. Sometimes they say they are XXXX and sometimes they are Equitable Acceptance Corporation, collecting for XXXX. When they call, they often tell me that they will mess up my credit if I do not pay. The supervisor XXXX was menacing and rude, and I was hung up on and transferred to different people. I also receive monthly emails from XXXX. 
I contacted XXXX XXXX XXXX, and they wrote a letter to XXXX on my behalf, asking them to stop contacting me. They have continued since the letter was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent requests to Equifax certified mail requesting method of verification on this inaccurate verified account..I also challenged the account under metro 2 laws ... They have not provided me with documentation showing how they verified this account.. I would like to challenge the status, high balance, past due amount.
They are suppose to verify physically the validity of alleged data, any calculations, dates, each notation, balances, and records of accounts even the 426 CHRC P6 statement, personal identifiers, and source codes audits, receipts, accounting records, metro 2 codes.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 sent two seperate letters to Experian & XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian & XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian & XXXX act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...

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 06/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX I received a letter from Chase Bank stating that 'after a recent review of your account, we have decided to end our relationship with you. ' Account to be closed on XXXX XXXX. I have been with Chase for 8 years. Never any overdrafts. Paid off a mortgage thru them and paid off a new vehicle loan. No one can tell me why or what triggered them to close my account. I want a specific reason, not just 'due to a review '. I need to know what they saw on this 'review ' to make this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had an account with XXXX XXXX. My last payment on the account was made in XXXX 2008. I did not make any further payments. The account was re-aged to show that my last payment in XXXX 2008 so that it would remain on my credit for an additional period of time. This item needs to be removed from my credit report, under the FCRA XXXX XXXX was only able to report this negative information for seven years after the account was considered delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Security freezes and fraud alerts were not removed per my request. Also, I never requested them to be added.

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 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly made attempts to submit a dispute online and by calling Equifax. None of these attempts have resulted in the inaccurate information being deleted. Equifax seemingly requires customers to obtain a current " Equifax '' credit report from them in order to process a disputed item. This is ludacris. XXXX XXXX monitors my credit rating and made me aware of the inaccuracy. XXXX and XXXX have both deleted the inaccurate reporting but still no success with Equifax. I have obtained a police report through the XXXX Police Dept. documenting the violation in case I am unfortunately harmed by this negative credit item.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 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: Reporting company used your report improperly

Complaint: The FCRA states that the ONLY permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) court order. 
The following inquires are related to none of the aforementioned permissible purposes. 
XXXX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX 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 12-10-2016 about Debt collection (Medical) with Medical Data Systems, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the second time I have filed a complaint against Medical Data Systems , Inc. You are failing to respond to my complaint in a timely matter. Medical Data Systems , Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX XXXX XXXX XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved.I have confirmed this both with XXXX XXXX XXXX XXXX XXXX New Mexico as well as with New Mexico Medicaid. They have not received any claims from XXXX XXXX XXXX XXXX XXXX for this bill. XXXX XXXX XXXX XXXX XXXX did not do there job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do there job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is 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 explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a public record on my Equifax Report on XXXX. I have been trying to have these records removed from my file for a long time now. There are XXXX public records that have been dismissed by the court and I am not responsible for them. The are not present on my credit file from XXXX or XXXX. However every time I dispute it with Equifax they confirm my ownership and will not remove it. It keeps damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our home was owned by my mother XXXX and XXXX we purchase our home in XX/XX/XXXX we refi a couple of times then my mother who had been retired since the purchase was convince to get a Reverse Mortgage and we were told that it would not effect us and that after she passed that I could keep the home no questions. My mother passed XX/XX/XXXX and now Financial Freedom does not to accept that the home was owed by both. When she took out the HECM loan the home was in my name alone I was told then not to worry and it was acceptable with HUD I was also told that I would be placed back on title which the lender not escrow did as I have found out now. Now I 'm being force to sell the home since now I have retired and there is n't enough equity to get a new loan, I requested Financial Freedom the time to go to Hud and plead my case I was turned down and am in foreclosure and may lose my home that we owned. 
A XXXX who I was told would not grant me because we where to late in the 90 day posting, we did what they asked from us they asked to place the home in our name I contacted an attorney and was told it takes some time and cost and before I do this that the lender would allow us the time THEY DID N'T they just closed the door on us I have filed a complaint with HUD and now with you I do n't want to lose our home please help

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX, with no prior notice given, I received word that my credit card account of several years had been closed, " for fraud. '' I immediately contacted Wells Fargo customer service via telephone to inform them that there had been a mistake, there was no fraud on the account. I had the card, the account had XXXX balance, and there had been no unusual activity. I escalated the concern to Wells Fargo 's executive office because closing this account would wipe out half of my available credit and negatively impact my credit score. I spoke to a representative on a recorded line who informed me that I was correct, the account had maintained a XXXX balance with no signs of visible fraud, that it was likely a mistake on Wells Fargo 's part, that the account would likely be able to be reopened, and that I would receive a call back the next business day. On XX/XX/XXXX, I received a call back from XXXX XXXX at the executive office stating the account could not be re-opened, due to " risk ''. At first XXXX XXXX refused to provide me a reason as to why the account had been flagged for " risk '', but after I requested several more times, he admitted that Wells Fargo had failed to process an old lost card request ON THEIR END, and because of Wells Fargo 's own failure to process the request, the account was inadvertently flagged as " risk '' and subject to being closed. Despite then admitting on the recorded line that this was not my fault and had nothing to do with me ( other than via a notice they supposedly sent me which I never received ), XXXX XXXX continued to state that the account would not be re-opened, that I would indeed suffer the negative impacts to my credit score, that I should file a complaint with the CFPB, and that I would have to subpoena them for any further information. This is absolutely the worst experience I have ever had with any financial institution, and has directly damaged my credit score, via no fault of my own, a fact Wells Fargo admits but refuses to remedy. Moreover, they wo n't even provide me with the additional information I have requested about my complaint, stating instead I must subpoena them for it. If this situation does n't constitute a whole series of unfair, deceptive, and abusive acts and practices on behalf of Wells Fargo against an innocent consumer ( me ) I do n't know what does.

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