milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (I do not know) with Nationwide Recovery Systems, Ltd (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was entered on my credit report and it does n't disclose where it is from. It stated that it was last reported on XX/XX/XXXX, it did not show up until XX/XX/XXXX. It stated it was opened in XX/XX/XXXX and it has never shown up on my credit report until XX/XX/XXXX. Nothing was verified that I owed this debt. No mail has been sent to my residence and I do n't know where BOTH accounts are from that was opened in the same month with the same amount of time in delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with American Financial Resources, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: American Financial Resources ( AFR ) is the is the Servicer on my mortgage. Currently shows that America Financial Resources is a XXXX XXXX affiliate of this lender of my mortgage. XXXX financial is the affiliate owner of AFR. Homeowner has submitted the RMA requesting modification over three times and the same results : lost paperwork, or denied without explanation. 

The most recent realization is that the XXXX and XXXX, 2016 mortgage payments possibly will be late. 

Homeowner has generated a NPV Report, data collection date of XXXX/XXXX/2016 and shows homeowner can possibly qualify got a modification. Homeowner will be be in default since XXXX/XXXX/2016. 

Homeowner is formally applying for a RMA application. Recent comparable of comps sold in the last 90 days is {$150000.00} value as compared to $ XXXX XXXX. This shows a LTV of 183 % in homeowners current mortgage condition. 

The comparable recent sales : recent comp is {$150000.00} to {$160000.00}, sold in XXXX, 2016. The income, DTI and LTV Loan to Values used by the services in the denial of the RMA application are in error. I have provided a recent NPV Report dated XXXX XXXX to show proposed modification data date XXXX/XXXX/2016. 
1. The estimated homeowners value is overstated ; off by {$120000.00} 2. Current street value of the home is {$150000.00} as of XXXX/XXXX/2016. 

The Homeowner is requesting : who or whom, is the current investor/lender. 

The servicer and the investor are signature to the XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I initiated a dispute with Experian last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

Experian has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **

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 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/2016 I recieved a call from an XXXX that left a 40 second voice mail upon not being answered that said nothing. Upon researching the number I discovered that it was a collection agency that was sold a debt from XXXX. 
I called the number and spoke to a XXXX XXXX, who told that that I owed {$100.00} on a past due XXXX phone bill. 

I immediately told her that the matter was an error that was in the process of being solved due to a mess up on XXXX when setting up service. XXXX sold the debt prematurely to Amsher collection when they have acknowledged that there was a mistake made when switching payments over to another account. 

When I asked for a breakdown of the debt, I was told that there was {$94.00} due on a phone. When asking about the other rest of the money due on the account, I was told by XXXX XXXX " You should know about what 's due because it 's your account '' ; a statement berating me for asking to be granted rights under the FDCPA. 

In addition, Amsher Collection has not sent any notice through mail allowing me the right to verify the debt, nor my right to dispute as of XXXX/XXXX/16, or even that the debt was sold to them. Immediately after the phone call, I spoke to XXXX 's customer support about the matter and was told that I have to negotiate with Amsher Collection and that I should be given a breakdown of the phone bill through them, because the account has left XXXX. 

XXXX has mentioned that any possibility of buying the account back is impossible and that I have to speak to the collection company to settle the matter. I have not been given a proper break down of the bill and I honestly feel that the companies are asking for more money than they are entitled to, especially considering I have made multiple accounts to have the matter fixed in person and over the phone with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Filed complaints about XXXX equifax and XXXX all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but equifax an XXXX are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 XXXX XXXX from Wells Fargo Branch : XXXX XXXX XXXX XXXX. XXXX, CA, XXXX : XXXX. XXXX singlehandedly placed a hold on my account for an unnamed and illegitimate reason and withheld pertinent information regarding the hold on my account. SHe said I needed to call my Wells Fargo credit card company to get the hold uplifted and she said she had no power or control over the matter. I spoke with XXXX WF reps who all said XXXX was the point of contact I needed to speak with in order to get the unjust hold lifted. She is refusing to cooperate and is intentionally telling me incorrect information regarding my bank account. She has frozen my funds and I am unable to use my money in my bank accounts. This is illegal.

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 09/22/2016 about Debt collection (I do not know) with Ability Recovery Services, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company never validated the debt and this needs to be removed from my credit report. I am now being harassed by another company XXXX XXXX XXXX. You can not owe the same alleged debt to XXXX different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax refuses to remove an account from my credit report from XXXX. I have notice received through the Consumer Financial Protection Bureau from XXXX stating that they have requested Equifax to remove the account information as of XX/XX/2016. Today is XX/XX/2016 and Equifax continues to report this incorrect information. I submitted a notice through the CFPB with a copy and they ignored the letter. I am re sending this as a final notice that this should be removed. It is unfair for them to continue to damage my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax, XXXX and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against STATE FARM BANK. INQUIRY DATE : XXXX XXXX I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.

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 06/29/2017 about Debt collection (Credit card debt) with DISCOVER BANK (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Discover collections called me on XX/XX/XXXX. My account is not past due and is up to date and current. I questioned the specialist why I was receiving a phone call. He could not explain. He only stated that I was close to my credit line and they were just checking in with me. In XX/XX/XXXX Discover reduced my credit line and left about {$100.00} of my balance to use. I currently have almost {$200.00} of my credit line remaining at this time. I find it harassing that they are the ones who reduced my credit line and then call me months later stating they are calling because I 'm close to my credit line. It feels as though they reduced my credit line so that they can call me and make me feel like a bad customer. I 've done nothing wrong and I simply want answers as to why I was contacted for an important business matter when I have paid my debt on time monthly. They are the people who reduced my credit line and have now decided that I have a hardship. I do n't have a hardship. I 've spoken to a few supervisors only to be passed around and left with no answers as to why I was placed in a collections calling queue when my bill was not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX XXXX, 2015 I received the following email from XXXX XXXX " We are writing to you today because we have taken an action on your account and wanted you to be aware of this change as soon as possible. We lowered the credit limit on your account to {$2500.00}. The new cash advance limit is {$200.00}. This credit limit is for total spending on all Cards on this account, so if you have any additional Card Members, please ensure they are aware of this change. You will also receive this information by letter .... '' I also contacted XXXX XXXX and a Customer Service Representative stated someone at Experian had notified XXXX XXXX and reported the derogatory information about me to XXXX XXXX. However Experian has also shared the same derogatory information with XXXX XXXX company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Can't stop withdrawals from your bank account

Complaint: I took out a short term payday loan with Speedy Cash. I authorized them to take one payment out of my account of XXXX on XX/XX/XXXX. Instead speedy cash sent an ACH withdrawal to my account that cleared and also charged my debit card. They took the additional XXXX that was not authorized causing multiple overdraft fees with my bank totaling XXXX. Also transaction checks were bounced because of speedy cash taking two payments out of my account that was not authorized. The payments I made to other merchants were charged NSF charges totaling XXXX in addition to late fees posting to my other accounts because of this error

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack in 2017 that affected my personal credit information. Intruders had access to my name, Social Security number, birth date, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: Hi my name is XXXX, I open a Account at Suntrust Bank XX/XX/2017 online I then deposited XXXX that day I also deposited money again XX/XX/XXXX XXXX and XXXX and I open the account online on the XX/XX/XXXX I went in yesterday try take money out they say they ca n't hold on my money no letter in mail no call nothing then so when I talk to management at bank he say cause I open account long ago before we was n't supposed to let me so ok where my 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 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, XXXX I received a letter from Experian stating that my disputed inquiries were going to be deleted. I reviewed my current Experian Credit Report and the same inquiries Experian stated in the letter that were going to be removed are still reflecting on my Experian Credit Report. 
XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX BANK - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX ( 17 TIMES ) XXXX XXXX XXXX XXXX/XXXX/XXXX, 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 04/13/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Closing/Cancelling account

Complaint: I recently enrolled in an identity protection service and on my credit report I found an old revolving account opened in 2004 which should be closed. It indicated the creditor is CBNA and their address is XXXX XXXX XXXX XXXX, SD XXXX. No phone number was available. An internet search lead me to believe that this is affiliated with XXXX XXXX, but none of the numbers I was able to find for them got me to anyone who could help me. I would like this account closed and reported as such to the credit bureaus. I tried to contact XXXX to dispute the account, but I was unable to get through their phone maze nor was I able to get anything done through their website.

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 04/28/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: Please see attached uploaded medical documentation. Please use these records as evidence in support of my current pending claim 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 Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE A HOME EQUITY LOAN WITH CHASE BANK THAT WAS FROZEN WHEN THE REAL ESTATE MARKET CRASHED. SINCE THAT TIME I HAVE MADE ON TIME MINIMAL PAYMENTS MONTHLY. LAST YEAR I APPLIED FOR A MODIFICATION TO THAT LOAN BECAUSE THE BALLOON PAYMENT WAS COMING DUE WITH CHASE BANK. I FELT I NEEDED THE ASSISTANCE BECAUSE MY WIFE IS A XXXX AND THE DOCTOR AND HOSPITAL BILL HAVE BECOME A REAL PROBLEM. I WAS TURNED DOWN BECAUSE CHASE BANK STATED I HAVE BEEN MAKING THE MINIMAL PAYMENTS ON TIME AND SHOULD WAIT FOR THE BALLOON PAYMENTS TO KICK IN. I CONTESTED THAT DECISION AND RE APPLIED. AGAIN I WAS TURNED DOWN FOR THE SAME REASONS. THE BALLOON PAYMENT HAS COME AND I 'M PAYING IT IN DISTRESS, SO I RE APPLIED AGAIN AND WAS TURNED DOWN AGAIN AND THE ONLY OPTIONS GIVEN TO ME WERE SHORT SALE OR DEED-IN-LIEU OF FORECLOSURE. I HAVE BEEN IN MY CONDO FOR OVER TWENTY YEARS, I 'M A RETIRED XXXX XXXX WITH A SICK WIFE, WHO IS TRING TO TAKE CARE OF MY RESPONSIBILITIES AND NEED A MODIFICATION TO CONTINUE SAME.

Company response to consumer: Closed with explanation