milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XX/XX/XXXX, XXXX filed a lien and issued a warrant against me for an outstanding XX/XX/XXXX tax bill. For several months in a row, from XXXX through XXXX, I had submitted payments to reduce the amount of that tax bill through the web site, via debit card, from my checking account. 
When I consulted the web site for XXXX to track the reduction of my bill and stay current with the balance, I SAW THAT THE BALANCE AMOUNT HAD NOT BEEN REDUCED, EVEN THOUGH I HAD MADE PAYMENTS IN A TOTAL OF OVER {$2700.00}. I called the office for the XXXX and discovered THAT THE PAYMENTS I HAD MADE, AS DEDUCTIONS FROM MY CHECKING ACCOUNT, HAD NOT BEEN CREDITED TO THE BALANCE OF TAXES OWED! MY BALANCE IN XXXX REMAINED THE SAME AS IN XXXX! MEANWHILE, THEY ISSUED A WARRANT AND A LIEN UNDER FALSE CIRCUMSTANCES AND HAVE ADVERSELY AFFECTED MY CREDIT SCORE. THANK YOU, XXXX. 

The situation has now been resolved. The current balance is {$0.00}, but the dent in my credit score remains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Managing the loan or lease

Complaint: I have an auto loan through Huntington Nat'l Bank. The loan was opened in XXXX 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me {$40.00} per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to XXXX, my balance is increasing {$51.00}, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting items on my file that do not belong to me. Someone opened a Citi card in my name and charged up {$3000.00} as well as went to get medical care. I have sent them the identity theft report as well as police report all they do is say verified without sending me any contract or anything with my signature. They are also reporting a Judgement that does not belong to me. I told them these items do not belong to me. Equifax continues to ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Rent Recovery Solutions is attempting to collect a debt that was shown to not be valid. A request for balance update was sent, and has received no response.

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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to the Equifax website and I was told that I may be a victim of the Equifax hack. They wanted me to sign up for their fraud alert system, but this would place me in binding arbitration with no legal recourse if I am effected by identity theft. This is not ideal for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Credit card) with R & B Corporation of Virginia (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i want to work something out to build my credit back i was young and did n't understand my limits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 an amount of {$36.00} was paid on my behalf from TD Bank. I checked the account on XXXX XXXX, 2015 and realized that the account was in the negative. That same day XXXX XXXX XXXX, 2015 ), I made a deposit at the bank at XXXX XXXX of {$40.00} to cover the negative balance in the account. Today, XXXX 29, 2015, I received a letter from the bank say that they charged me an overdraft fee of {$35.00} for that day and they charged it after midnight and after I had posted the cash deposit at the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Mortgage (VA mortgage) with Kentucky Housing Corporation (KY).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016 I contacted Ky Housing Corp my mortgage servicer of the VA/FHA mortgage I have on my home. I was contacting them seeking assistance based on my low income, XXXX, or veterans status, after a vehement conversation the Supervisor of a person named XXXX came to the phone. This person first states yes we service VA loans, but we do not do the HARP program for veterans but service VA loans, and also because you get help paying your mortgage by a subsidy you do not qualify to do HAMP application unless you drop your help making mortgage payment ; we can not help you from going into foreclosure status

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit card protection / Debt protection

Complaint: Citibank credit card has been charging me for a service I did not sign up for called Payment Safeguard. They say I signed up for it in XXXX of 2007, but I did not sign up for this service. I requested they send me written proof or a recording stating I signed up for the service. And today, I only got a letter saying I signed up for it in XXXX of 2007, but provided me with no proof.

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 monetary relief
Consumer complaint received 12-04-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company sold my mortgage but failed to make the required tax and flood insurance payment as required by law. My taxes are late and interest is being charged and my flood insurance has lapsed. This is especially distressing as a XXXX victim. I currently am not covered for flood and only found this out because I received a late notice from my municipality regarding my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with N.A.R., Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. 
I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. 
The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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, a 33 month business lease in the amount of {$10000.00} was opened by a Texas corporation that has the same name as my company which is a Florida corporation. The lease agreement contains my electronic signature as a co-signor which I never authorized. When I found this lease on my business credit report I contacted the company in XXXX, XXXX and submitted a notarized Affidavit with the company dated XXXX XXXX, XXXX, which verified that this lease was never opened or authorized by my company. On XXXX XXXX, XXXX, the company sent me a letter stating that their investigation deemed my claim to be valid and they would send Universal Data Forms to XXXX and Equifax to request the tradeline be deleted in its entirety from my credit report. Equifax never removed the item. on XXXX XXXX, XXXX, I once again contacted the company and they once again sent the request to Equifax to remove the tradeline. I submitted a Commercial Research Request Form to Equifax on XXXX XXXX, XXXX, stating this was never my account and to please remove it from my report. The lease company was contacted numerous more times and I spoke to their Legal Resolutions Coordinator who stated they would once again send the Universal Data Forms to Equifax. No results from Equifax. I contacted the Legal Resolutions Coordinator Supervisor on XXXX XXXX, XXXX, who telephoned Equifax and spoke to someone in addition to filing a dispute with Equifax stating this was not my account. I received an email on XXXX XXXX, XXXX, from Equifax stating the dispute was being investigated and I would receive the results via email by XXXX XXXX, XXXX. Since I did not receive an email from Equifax as to the results of the dispute I checked the status of the dispute today, XXXX XXXX, XXXX. Equifax states the result of their investigation confirms that this account belongs to me and to contact the lease company for any questions. I once again called the Supervisor of the Legal Resolution department who stated unequivocally that they submitted the information to Equifax that this account does not belong to me and should be removed from my credit report. The lease company does not know what else they can do to get Equifax to remove this item. I am also at a complete loss as to how to get Equifax to remove this item and how they can continue to claim this account belongs to me when they have received numerous information from the lease company that it does not belong to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all three credit agencies and sent out a debt validation letter to XXXX XXXX. One week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-03-2017 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: Credit inquiries on your report that you don't recognize

Complaint: Letters regarding inquiries found on my credit were submitted  XXXX  to  XXXX , and Equifax.  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from Equifax nor an update. A second letter was sent on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with AFNI INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had service with XXXX XXXX during a pre-priced trial period and my bill kept increasing every month I was told it was adjustments to the account and I would be given a credit for the over charges. This continued for several months with constant calls to customer service to try to resolve this issue. after two more excessive billing cycles I was done I called and terminated services with a balance of XXXX dollars owed. When I received the final Bill I was surprised to see a balance of XXXX dollars due. When I contacted customer service I was told there was an error and if I reinstated the account they would offer 6 months of premium channels I would just pay the XXXX dollars and would be fine at this point I said just submit the final bill I did not want to continue service. On the XX/XX/XXXX I was shocked to have received a letter of collection from AFNI Inc in the amount of {$550.00} and this is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My identity has been stolen, someone has already filed fraudulent tax returns in my name. I received a letter from the IRS on Friday of suspicious activity related to the Department of Education FAFSA website. The IRS letter told me to contact Equifax and sign up for their credit monitoring. I tried but the system told me it could not process my request and to call a specific number. When I did, I was transferred to " XXXX XXXX ''. It seems ironic that some XXXX, probably from another country, has my identity and I 'm transferred to another country to work on my identity theft issue. When I asked to be transferred back to the US, this person told me to call back in an hour. Something has got to be done about identity theft in this country. There has to be one agency or department to manage the process for those of us who are truly victims of this crime. Sending us to foreign countries is not a good nor comforting way to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX from Wells Fargo has rejected my numerous attempts, responses, applications, and documents to grant a loan modification on XXXX my properties. I have satsifed all requests. Also, she and Wells have foreclosed on my properties even though I have requested attempts for payment plans as well which I have attempted to make and been rejected. Furthermore, I have complained that this is an attempt to comit mortgage fraud from Wells which they have dismissed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  LVNV FUNDING whic h is reporting negatively on my credit reports. LVNV is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent numerous letters disputing the validity of medical bills on my report. I 've asked for validation in which they respond VERIFIED .... which is NOT TRUE!! I am uploading a recent letter from the creditor appearing on my report. Which clearly states THEY HAVE NO VALIDATION. How can these accounts been verified if the source CANT VALIDATE?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (GA).
Issue: Problems when you are unable to pay

Complaint: I had a loan taken out to help with school from Citibank. The loan went into charge off status XX/XX/XXXX. XX/XX/XXXX Citibank reported to the Credit Bureaus that I made a payment. Then XX/XX/XXXX, they reported that I missed a payment. I have not made a payment to Citibank since the account has been in charge off status XX/XX/XXXX. I tried to contact them but they do n't have a contact number, just a fax number. I faxed them and ask them to update the information. Instead of them updating it correctly, they reported to the credit bureaus that my account went into charge off status XX/XX/XXXX and then fraudulently reported that I have been making payment since then. Then fraudulently reported that my account went into charge off status again XX/XX/XXXX. As you can see in the supporting documentation XXXX, they are reporting that I have been making payment since XX/XX/XXXX, but at the bottom where it says " account history '', it says " DPR ', which mean date payment received, they report " ND ', which means no data. You absolutely right there is n't no data because there never was any payment made. When I call Citibank customer service, they also verify that I have not been making any payments but since they are not the credit dispute department of Citibank they ca n't help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loans were dismissed when I was determined to be XXXX due to XXXX in 2013. I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during XXXX and it is almost impossible to pay back $XXXX in loans. I only received an XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Trouble during payment process

Complaint: I am very worry of the way my loan is been credit. I receive the escrow review statement dated X/XX/2017 reflecting escrow shortage for the amount of {$4800.00}. Since I do not want any other fees to be added to my monthly mortgage payment. I decided to pay the full amount of the shortage. I mailed out a check to Wells Fargo on X/XX/2017 for the full amount of {$4800.00}. and it was withdrawn from my bank account. However the monthly mortgage statement I keep receiving from Wells Fargo is reflecting my escrow is higher every time. With this complaint I am providing a copy of the check I mailed to Wells Fargo. Also my bank statement shows the check was cashed out. I dont understand if I paid my shortage of {$4800.00}. My mortgage statement dated X/X/2017 is reflecting a escrow balance of {$6200.00}. I am requesting a detail explanation of how my loan was credit. Also the an explanation why my escrow keeps increasing every time. Please address all my concerns since I do not want to fall behind. Due to Wells Fargo 's mistakes Thank you in advance for your consideration.

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 03/27/2018 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: Re : Equifax data breach. 
Issue : I am trying to place a freeze on the account with Equifax, but is impossible to do so either by phone, or web site. 
I have tried to contact them in may ways, but no one seems to be available. Mail is also un-responded. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation