milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is fraudulent claiming to represent an alleged mortgagee and investor that has held a foreclosure by advertisement sale on my property. I have submitted qualified written request to XXXX and have submitted complaints against XXXX and they continue to move forward without response or remorse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Medical) with AIH Receivables Management Inc. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: on XXXX/XXXX/16, AIH Receivables, Inc. called me on my mobile phone. I am a XXXX, & I was unable to answer as I was XXXX ( and a XXXX after that ). Within one hour, they also called and left a message for me to call them at my place of employment. They did not even give me a proper chance to call them back. I feel that it was illegal for them to call me at work, and it represented an inappropriately aggressive collections tactic ( designed, of course, to get me to return the call ASAP ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I purchased a preorder pair of headphone for {$140.00} from a company called XXXX on XX/XX/XXXX. In XX/XX/XXXX the company claimed to be finally shipping out the headphones. They were sent out to a person to review them on XXXX and they received a bad review. The very next day XXXX closed up shop leaving many customers without their preorder money and no head phones. I reached out to my bank Capital One to dispute the transaction and was told that is was past their 120 days to dispute. They told me I had to go about to XXXX and request a refund. I again went back to Capital One explaining that the company does not exist anymore so I can not contact them. I have tried four different times to have Capital One refund my {$140.00} but to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax previously deleted and permanently blocked the following fraudulent and unauthorized account from my Equifax credit report between XXXX : XXXX XXXX XXXX. Equifax has put the fraudulent account back on my credit report after deleting and permanently blocking the account from my Equifax credit report. I been receiving harassing phone calls and death threats from representatives from XXXX XXXX XXXX at my home and place of employment for over 1 year, to pay for a debt thats not my debt or account. This is a serious violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law, and under Arizona Debt Collection state laws. This account isnt on my XXXX XXXX or XXXX credit report, because XXXX XXXX and XXXX deleted the account from my credit report and permanently blocked the account from my XXXX XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Absolutely ridiculous that we 're forced to pay for freezes of our credit to companies we have never agreed to do business with to avoid ruining our credit score that is a requirement to live in modern society. I have n't been able to get through to the companies to actually freeze anything because of the XXXX  caused by the equifax breach. The fact that they are charging consumers to protect their own credit and do n't have the infrastructure to allow people to do so when they need it is criminal. These are for profit corporations that are robbing consumers who simply want to avoid the absolute catastrophe of having their identities stolen. XXXX is even trying to profit from it by trying to get people to sign up for their credit monitoring service for a monthly fee. Once again the consumer gets XXXX and the corporation will keep on cashing in on people 's misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Allied Collection Services  is reporting on my credit report for   XXXX   XXXX    ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've   contacted  Allied  and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid  License, Bond, and Certificate of Authority in the state of Arizona.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection was reported to Experian without my knowledge or receiving a verification letter. They are in violation of my FCRA rights. The original debt was paid in 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX 2017 {$130.00} XXXX XXXX XXXX XXXX Sent a letter in the mail to my grandmothers address attempting to resolve a debt that DOES NOT BELONG TO ME! Ive been victim of ID Theft and have a similar name as my father and grandfather that Im estranged from. Remove this and the harassing calls ASAP!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (GA).
Issue: Settlement process and costs

Complaint: My wife and I are pre-approved by Movement Mortgage here in Georgia. My wife and I have met every stipulation that Movement Mortgage has laid in from of us and in fact we 've been approved but for some reason in the last few hours they wo n't process our loan ( we were supposed to close today ). In fact, they claim that the original loan processor called in sick today ( bait and switch ), and are now making us prove our loan worthiness once again while the sellers and buyers of XXXX other loans are waiting to close, the sellers of the home we 're buying are basically backing out of our signed and agreed to deal. Please warn other people of this bait and switch that we are going through.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent disputes already but no contact or changes have been made. 
All XXXX credit companies are still negatively reporting a XXXX AccountIt has been 8.8 years since Major Delinquency First Reported. This account had never been brought current after this and has exceed the date XXXX and Federal Fair Credit Reporting Laws for being able to report in any mannerThis was also disputed with the original creditor and a good faith adjustment was made on this account that cancelled any balance owed. 
I will attach the report from the creditor but you can also review the actual documents and dates atThe original dispute made on my behalf CFPB CASE # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: This is response to complaint XXXX about OCWEN LOAN SERVICING LLC. Their actions in the matter are reprehensible and I 'm pleading with the CFPB to intervene. No one should wait over six months for a determination on modification request. There process was errant and irresponsible. I have been trying to rectify this matter for months. They made a swift determination that they could not help me shortly after my first complaint was filed. My response to the initial Ocwen reply : After initial unemployment modification ended in XXXX XXXX. Ocwen was notified that I was still unemployed. They took close to 8 months to make a determination on the new modification request. A process which they recommended I follow. This is a long time to claim system errors. They repeatedly asked for the same paperwork that we complied with multiple times. Once I became employed in XXXX XXXX, they repeatedly declined my offer to make payments or establish a different payment plan. Also, the sent me documentation stating that I can bring the loan current for approximately {$17000.00}. On the phone, the relationship manager will only accept {$39000.00}. These types of contradictions have been prevalent throughout their period of servicing the loan. Another example -Throughout their period of servicing my loan they have stated three different loan owners ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have personally contacted all of these banks and none claim responsibility as property listed as owners. They recently sent a letter stating that they could not find another modification because the plans they were researching all expired on XXXX XXXX XXXX. If they knew 6 months ago then why was I not informed immediately so we could discuss other options. I could have been making payment since XXXX to reduce the burden and comply with repayment requests. Now, their only recommendations are a short sale or deed in lieu of foreclosure. They purposely and maliciously extended the process to create the current situation. Again, I 've been able to make payments since XXXX, Ocwen repeatedly declined and told me to wait the for modification process to be completed. They knew from practically day one that the modifications they were researching we not available. Subsequently, after I filed my initial complaint with CFPB, my modification request went from " under review '' to " declined '' in a very brief period.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is ONLY calling me AT WORK. They have n't told me who I supposedly owe money to, which is NOONE. I discharged a Chapter XXXX Bankruptcy for medical bills XX/XX/XXXX. All other medical bills, since XXXX XXXX, XXXX fall under the Washington State Crime Victims Compensation Plan, which also specifies that NO DEBT CAN BE COLLECTED FROM THE VICTIM. No collection attempts are allowed by law. I have received NO MAIL, NO attempts other than calling me at my place of business. I have no clue what they think I owe, but I have been more-than-on-top of my bills since I filed BK in XX/XX/XXXX. I do not owe what they think I owe, nor do I even know what they think I owe. This is a clear violation, they have not even attempted to send me a letter or bill for me to dispute and send a copy of the crime victims compensation plan and protection XXXX from the XXXX. If they touch my credit report, I 'm calling a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've tried to explain to them that my income changed dramatically within past year and unable to afford. Ask for assistance with forbearance long term but only granted one month. 

School Name - XXXX University, XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To Whom It May Concern, After reviewing my credit file, I noticed an account was listed for {$36.00} with SCA Collections. Not only have I never been to this doctor, after speaking with SCA Collections, they had no interested in looking into the matter. I then sent them a certified letter stating that I was requesting a validation of this debt. In return, they sent me a letter stating their process and suggested that they have complied with the validation request by sending me a letter of their process. I have since called them back and demanded this debt be validated. I was then sent to a supervisor 's voicemail. I called back again and asked to be sent to the President of SCA Collection 's voicemail. I have yet to receive a call back after months of attempting to get this resolved with SCA and XXXX. As I have mentioned, I have never been to the doctor they have suggested and despite my attempts to validate the debt, they have refused to do so. In addition, after looking up SCA Collections with the South Carolina Secretary of State, I noticed their license was forfeited in South Carolina.

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 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Almost 4 years ago, Bank of America started foreclosure actions against my family after we fell behind on our mortgage. They demanded a reinstatement amount that was more than three times the actual past due payments. When we questioned them on this, they simply insisted on receiving the amount they demanded and initiated foreclosure. 

We applied three times for loan modification with BOA before we got a trial modification. Each time they denied receiving the application. We successfully completed the trial period but BOA never stopped the foreclosure process in court. 

Three months after we completed the trial modification process, we got a permanent modification package. When we scrutinized the small print in the new loan documents, we discovered that Bank of America had actually increased our monthly payment by over {$60.00} even though their trial modification documents had clearly and specifically stated that our payment would not exceed a certain amount if we successfully completed the trial modification process. 

In fact, the amount by which our monthly mortgage statement could go up was specifically stated in the trial modification documents! All through this period, we were making our monthly payments. However, when we questioned the discrepancy between the trial and permanent loan modification documents, Bank of America stopped accepting our mortgage payments and foreclosed on our home. 

Then, without informing us, they transferred our file to XXXX XXXX XXXX, and XXXX XXXX, sold our home at auction and submitted false $ numbers to the court as the amount they spent in selling our home! Never mind the fact they were the only bidder, or that they bid an amount higher than the actual balance due. Today, we are told that XXXX XXXX, is actually working for XXXX. 

Recently, we found out that the mortgage modification Bank of America gave us was actually not XXXX under the XXXX XXXX federal government mandated program under which we had actually applied. With the " generic '' modification Bank of America gave us, we lost some rights and protection to which we would have been entitled under XXXX. 

Our mortgage account # is : XXXX and our case file # is : XXXX ( XXXX XXXX, Illinois ). We are legally fighting XXXX XXXX, XXXX and Bank of America. We have limited financial resources to continue fighting these big companies for our home. We should not be made homeless because Bank of America is deceitful and corrupt. 

This is part of the reason why there is so much public discontent and lack of trust for these big fraudulent banks and our elected officials.

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 08/14/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing a fraudulent Judgment and Collection account that I am not liable for on my Equifax credit file since XXXX XXXX, 2016 as they are in violation of the FDCPA. I have provided Equifax with all documentation supporting my dispute and they refuse to properly investigate and update my credit file accordingly by deleting these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made an arrangement with XXXX XXXX XXXX XXXX to pay a payment in separate payments and they agreed and said that it would Not show late or delinquent and Now it does. I have asked for it to be resolved and they said it was an honest mistake on their behalf and may not be able to fix it according to what we were promised in the begining.

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