milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present Equifax security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, Equifax and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account XXXX XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 

XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX. Removed and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
Equifax XXXX XXXX Item Status : Item latest removal was XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Transaction issue

Complaint: I am enclosing a complete file of materials that I have submitted to Bank America regarding dresses that I bought the fabric for and had a tailor to make them at a cost of almost {$500.00}. Unfortunately, none of the dresses fit.. They are too tight across the bustline and the zippers do not work. Bank America has decided that I have not submitted sufficient information for them to make a decision regarding the fact that XXXX XXXX did not provide the services that I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: On  XXXX    XXXX   I was scammed for a mem who I met at online dating site name skout his name is  XXXX   XXXX   XXXX  who make me send some wires to different accounts and people some I send it on  XXXX   XXXX   XXXX  and  Wells Fargo  bank and  XXXX    XXXX    first one  I send it to  XXXX   XXXX   XXXX  account number  XXXX  at address  XXXX   XXXX   XXXX   XXXX   XXXX  Hi  XXXX  for {$22.00} next one was an international wire to  XXXX   XXXX  account number  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  on  XXXX  of {$50.00} and next one was domestic wires to   XXXX   XXXX   account number  XXXX   Wells Fargo  bank on NY  XXXX  for {$40.00} and another for {$30.00} from  Bank   XXXX   XXXX  to the same account number  I d id another wires to  XXXX   XXXX   XXXX  one from  XXXX   XXXX   XXXX  for {$10.00} to account number  XXXX  on  XXXX / XXXX /  XXXX   and another from  XXXX  to the same account for {$75.00} and another from  XXXX   XXXX   XXXX  date  XXXX / XXXX /  XXXX   to the same account number to  Wells Fargo  bank of {$140.00} and I was thinking that it was a woman but looking at the  XXXX  needs is a men but I also send on the same wee k 2 wi res to  XXXX   XXXX   XXXX  on the  XXXX  and  XXXX  of  XXXX   XXXX  of  XXXX  and another of {$110.00} that I sends from   XXXX    XXXX   XXXX  those wires one the lady resend it to  XXXX  and the second was freeze for  Wells Fargo  bank but until this date is still frozen since I talked to the lady and said that account is still freeze and after 19 months they still holding that money believe it that the money. The money that was deposited it was fake deposit and   XXXX    XXXX   XXXX  let me used that money and when it was reversed was against my equity line of credit and now my equity line of credit is bigger than the valued of the property   XXXX    XXXX   XXXX  said that they are working on this case but is almost 2 years of that

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 05-03-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (DC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: My account had fraud and I filed a police report. In total, PNC has charged {$510.00} claim with XXXX. Yesterday, this 1 derogatory credit file prevented me from opening a credit union account. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2015 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This debt should of been charged off as me being medically indigent and having no medical insurance. An inability to pay. It never should of landed in a collections. As I never received any bills for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TRANS UNION HAD AN INQUIRY BREACH, MY CONSUMER REPORT SEEMS TO HAVE BEEN DIRECTLY EFFECTED BY SUCH BREACH.. TRANUNION HAVE INCORRECTLY ADDED INQUIRIES ON MY CONSUMER REPORT ... I WOULD LIKE THE FOLLOWING INQUIRIES REMOVED IMMEDIATELY 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX/XXXX/XXXX 6. ) XXXX XXXX XXXX XXXX/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 10/27/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had home located at # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX Bank the mortgage account # XXXX for the property located at XXXX Hidden XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both account Balance were XXXX as of XX/XX/XXXX at the time of sale. 
This inaccurate information needs to be correctedI did submit to you the HUD and Pay off proof dated back XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with The CMI Group, Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I would like to enter a complaint against Credit Management L.P. They changed the billing name from Credit Management to XXXX ( Formally XXXX ) on XXXX XXXX refuses to remove the bill despite being paid in full Ref. # XXXX claim they have not been notified by Credit Management L.P. ( In their defense Credit Management L.P. did notify XXXX and XXXX. Both company 's removed the erroneous bill ) I complained about XXXX and got no where. I called a attorney and was advised to refile my complaint against the original billing company, that would be Credit Management L.P. YOU have my full permission to contact XXXX to verify XXXX changed the billing company name after they where notified to remove it however, Credit Management L.P. is the reporting agency that is why this complaint is against them on behalf of XXXX their Client!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our mortgage and home equity loan, leaving Green Tree and going to XXXX and closed on XX/XX/XXXX XXXX Mortgage wanted us to pay our own homeowners insurance and property taxes, NOT have an escrow. We agreed and our insurance company XXXX also agreed; we stared paying directly then. However, Green Tree had over XXXX of our money in escrow and erroneously sent it to XXXX, not to us. On XXXX I talked to a representative at XXXX, made it clear we did not want to pay that on our insurance (which we were already paying monthly to them). XXXX said it is illegal for them to send our money directly to us - they are required to send it back to Green Tree for Green Tree to return to us. XXXX "complicated billing" staff assured me the check would literally be mailed to Green Tree on XX/XX/XXXX. On XXXX I spoke to a representative at Green Tree making it clear that we did not want Green Tree hanging onto our money for a month so they could make interest on it (when this is done with many customers it adds up to a great deal of money).  Green Tree rep assured me that "since the account is closed the check will be forwarded to you" when Green Tree receives it.  Today - XX/XX/XXXX - I called Green Tree and was told that the check mailed on XX/XX/XXXX allegedly was not delivered to Green Tree until XX/XX/XXXX and was logged in as received on XX/XX/XXXX.  Now they are claiming that we will have our money back in XXXX days.  It appears that someone is making interest on our money which they have no right to have at all.  In fact, we are losing interest we could be making on our money if we had it.  I cannot believe this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: I bought a XXXX saturn vue for {$7500.00} from XXXX XXXX in XXXX. By the time I am finished paying for it .it will cost me {$23000.00} The warranty that came with the card XXXX year XXXX mile was not accepted by any dealership for repairs. TD auto finance has given me so much grief, like telling me I have a XXXX day grace period to make my payment and yet they still charge a late fee. Now the car has a blown head gasket and no one will repair it. They all want to put in a new engine at the cost of {$7000.00} and I can at afford to do that and I still owe about {$5000.00} on the car. I am at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: My loan was recently purchased by Loan Care, it was previously owned and serviced my XXXX. 
As of XX/XX/XXXX my monthly mortgage payment went from a very manageable {$1800.00} and change to {$2600.00}. 
Loan care said its because Im {$9000.00} + behind on my escrows and because of an increase in my flood, homeowners, and taxes. 
XXXX XXXX, because I was on a HARP refi, kept my payment down to keep us in the home with a loan modification and an escrow spread of 60 months. 
LoanCare is spreading my escrows over 25 months, with other parts of my escrow account over 36 months, and other parts over one year, to my understanding. 
I could be wrong. 
My point is, the payment went waaaay up and I need it to be more manageable and they will not compromise even a little. 
I think Loan Scare wants to force us to foreclose. 
Real Estate is at a premium these days, I think theyre acting in bad faith. 
I asked them to spread those amounts over 60 months if possible, and they told me the lender will only do 25 months on the shortage and 36 months on the others. 
However, my figures show they are collecting an extra {$300.00} a month. 
I know that servicing companies and mortgage lenders dont need to increase your payment in that manner. 
My increase is almost thirty percent. 
That just about kills my monthly budget. 
We paid ourXX/XX/XXXX paymentXX/XX/XXXX, but now still owe XX/XX/XXXX and XX/XX/XXXX. 
I dont think they should be allowed to do this.

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 05/24/2017 about Student loan (Private student loan) with NELNET, INC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been trying to obtain information on how to remove co-borrow from the loan, (  XXXX  ) per the request of my co-signer since the middle of  XXXX  of   XXXX   (  XXXX  ) with no success. Per my conversation with the CSR they did not have a detailed history of my account and would have to submit a research request to Nelnet for further information. On  XXXX   XXXX  I received an email only contains a list of my transaction history from  XXXX  loan disbursement {$8800.00} to current balance of {$7800.00 } ( whi ch brought up another concern of why my paying for an  XXXX   XXXX  dollar loan 15 years later. I have not received the requested information yet and no answers of the process. I have been the sole payee of this loan from d ay one

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XX/XX/XXXX2017.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: OnXX/XX/XXXX, I authorized a payment of {$420.00} to be debited from my checking account at Huntington Bank for my car loan on XX/XX/XXXX. On XX/XX/XXXX, I transferred {$300.00} from my checking account to this installment loan account, with the understanding that I would only have to pay another {$120.00}. on XX/XX/XXXX, I discovered that my checking account was overdrawn by {$420.00} or so. I contacted my bank and was told that I would need to speak with someone in Collections on Monday XX/XX/XXXX. I spoke with two or three Customer Service Representatives on XX/XX/XXXX, and they all concluded that I would have had to contact my bank prior to XX/XX/XXXX to stop the automatic payment, because their system recognized the {$300.00} that I transferred over as an additional payment, and the {$420.00} payment had already posted. My problem is that I did not have an additional {$420.00} available in this account when this payment posted, and they are saying that they will not refund the money. I am unemployed at the moment and have rent due this week. I have already faced eviction due to the same issue XXXX weeks ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: They had never provided any link from this intuit to my personal name nor did they provide what this collection consists of, how and why I owe this amount, I also belive they respnded to me more then 30 days later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX. I made a payment to my principal on my mortgage In the amount of {$10000.00}, I made my regular Monthly payment in the of {$1000.00}, this transaction was done on XX/XX/XXXX, I also made several smaller transaction requesting it goes to the principal balance of the loan. I paid my loan off on XX/XX/XXXX, in the amount of {$5500.00}. I was told that pay out date was expected to be XX/XX/XXXX, So my issued is, if I gave them {$10000.00}, Plus some additional smaller funds, why did I only recieve a check for only {$7.00}, and the loan was paid in full early before the pay out date.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.

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 12/31/2015 about Debt collection (I do not know) with National Enterprise Systems, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For about two weeks National Enterprise Systems has been calling every morning at about XXXX for a person that does not live at my address. I have asked them to stop calling my phone number but that has not stopped the calls. I want them to stop calling.

Company response to consumer: Closed with explanation