milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On   XX/XX/16  I lo gged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am going to financial difficulties. I have lost my lender, Wells Fargo Bank, to modify my loan under the Hamp program. I have submitted my documentation several times yet have not gotten any results. My loan originated with world savings bank which was later acquired by Wachovia and transfers to Wells Fargo Bank. This loan is adjustable-rate mortgage PICK-A-PAYMENT type loan. my payment changes all the time and I 'm having a really difficult time keeping up with such a high mortgage. I find myself often falling behind and most certainly falling behind on property taxes. I know I am eligible for the government 's Hamp program. However I am not getting any help. Please help me with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JC Penny reported a credit a credit card debt to the 3 credit bureaus back in 2012, then stated this account was sold to XXXX, I 've since spoken with and resolved with XXXX and they completed an investigation to determine the account not to be mine and they have closed the account and reported to all credit bureaus to remove this tradeline, JC Penny needs to do the same, the account is not mine and they need to remove this from all 3 credit bureaus. This is against the law to report inaccurate things on someone 's credit report, this must cease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Bureau Services, Inc. (MT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Collection Bureau Services Inc, XXXX XXXX XXXX XXXX, MT XXXX This collection agency did not report back the account information I requested.

Company response to consumer: Untimely response
Consumer complaint received 01/16/2018 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was trying to get a home and was told that i had to pay that off or show that there was a payment plan provided so i call Hunter Warfield to talk about the account and they said they could do the payment plan but they will not send me a copy of the agreement and i have have talked to other debt collectors and they said it was by law that they have to give a copy of that and i can not get them to give me a copy im not wanting a paper saying its paid in full just a copy on the laid out payments are going to be they can be reached at XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Payday loan () with Cash Express, LLC (KY).
Issue: Payment to acct not credited

Complaint: This company has illegally shared information about my payday loan without my written consent to my significant other and to my minor brother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I enrolled in XXXX XXXX all my account information has been changed contacts with company give me additional things I must do no assistance. They say have no record of my complaints accounts I bring up to them they say do n't exist. I lost many bit coins through idenity theft on line and in personal home from theft. Insurance company XXXX XXXX says they do n't cover. XXXX XXXX  does n't investigate and contacts with them have been deleted. All my personal accounts and emails have been changed unable to recover or taken over XXXX will not respond. XXXX has input trackers in my computers and cant get priority emails from any carrier I am loosing my carrier and my sanity. I am not getting professional links from XXXX and others cant navigate my finances have been effected to near bankruptcy all poss. in credit records deleted and all negatives from medical old ones have been put in place and I had insurance. I can get no credit from banks for financing projects. Transfers of funds and securities I have initiated all info has been lost due to cyber attack. XXXX has not acted when my phones have been cloned and have given me experimental phones which have caused lost data I have been through 8 computers and as many as 20 phones in 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The have the wrong address on my Equifax credit report. I have attached my correct address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a dispute to Transunion in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding XXXX, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.

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 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Filled out the forms to. Get my credit report after being denied credit. I believe there are many things that can be deleted from my account out dated bills. Charged off bills and bills taken over by other companies. Most of my poor credit is due to u paid medical bills. I am indengent and on medicaid can I get help with forgiveness on those bills and my student loans

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 04/26/2016 about Debt collection (Medical) with GSI  Recovery, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a copay deductable that was owed from a motor vehicle accident in XXXX. Since XXXX I moved two times, however, my telephone number remained the same and i never received any attempts to collect a debt. Back in XXXX this was brought to my attention as i am in the process of buying a home and credit is the biggest factor. I contacted GSI, spoke with a XXXX XXXX, asked for this to be deleted from the credit bureau as I was never aware of this and he did forward me the forms he submitted for deletion. This has been paid, and not deleted yet which is affecting my credit score!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: The name of the credit card comp any is Citi, p hone number  XXXX . In  XXXX   XXXX  and  XXXX   XXXX  I had several phone conversations with them regarding charges for purchases that I did not make. They agreed that I should not be charged and, at my request, closed the account.     Then, on  XXXX   XXXX ,  XXXX , I received an email fro m Citi informin g me that I owed money on a card. Remember, my account had been closed in  XXXX , plus I never and do not have a card ending in the  four digit s shown on the email. I called immediately and was transferred twice and complained to  Citi about th is. Finally, a customer service rep put me on hold for an hour while he " checked into it ''. He said there was no one in the office that could help me at that time but he would call me back the next day. He never did.     Then on  XXXX   XXXX ,  XXXX , I received yet another email telling me that my charges have INCREASED TO {$97.00}. The amount of money is not the issue. The issue is this is fraud. If I pay it, what assurance do I have that they will not continue to charge me for more cards that I do not nor never did have?     I called  Citi a gain on  XXXX   XXXX ,  XXXX . They told me there was not even a record of my complaint regarding the  XXXX   XXXX ,  XXXX  email but that the " system '' indicated I owed money on this card I never had. Again, there was no one in the office that could help me.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted Nationstar mortgage repeatedly regarding getting rid of my PMI, seeing as how the property meets the criteria. They informed me that I had two 30 day lates in the last year which I did not. I had one which was not late. I paid the mortgage on time but apparently there was a change with the escrow account that I did not receive any notice for. I am trying to contest that, but they refuse to call me back. I spoke to a supervisor named XXXX XXXX initially, and have left 3 messages for him to discuss taking off that late payment due to escrow discrepancy and going forward with my PMI removal. my first phone call regarding this matter was XXXX XXXX, XXXX no one ever contacted me about initial PMI request, which is why I asked for a supervisor and got XXXX XXXX XXXX XXXX who now refuses to return my calls regarding this matter. And even if they do n't remove the one late payment, that should n't have anything to do with removing my PMI. this is just a means to get more money by continuing to make me pay PMI when the property meets the qualifications for removal. Very poor customer service by not returning my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with Focused Recovery Solutions, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed knowledge of this account for over 2 years. Each time this account reports it reports as verified meets FCRA requirements however no debt validation has ever been sent to me to verify this account. I hold no legal contract wi th Focused Recovery Solution and under Hippa Laws my medical information is protected from 3rd party agencies. I have never consented or given any past or current medical providers permission to release my medical information to any 3rd party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I started my ordeal of repaying private loans in XX/XX/XXXX. I had the loans in deferment after graduating in XX/XX/XXXX. I called repeatedly to find a payment method that would work as the loans required payments of {$1600.00}, which is well over my take home pay each month, even with working 40+ hours a week. They told me there was nothing they could do to help me because, " You have n't missed any payments yet. '' Well due to life long medical issues and XXXX I was medically XXXX for a few months and then of course I had no choice but to start missing payments as I could not afford them anyway. So, I did n't pay and waited for the battering of calls that were excessive and aggressive, calling my family members that were in no way related to my loans and I 'm not even sure how they got their information. I listened to the voice mails and called them back repeatedly trying to find a lower payment or some solution. However when they finally offered me a plan, a year later in XX/XX/XXXX, that required only {$350.00} a month, I 'm sure for the next 500 years, I asked if I could receive the proposal in the mail or PDF in order to read what I was agreeing to prior to giving away bank account information. I was forwarded to a supervisor who cursed me out and told me she never heard of something so absurd as wanting the documentation prior to signing up for the plan because, " It is your obligation to make the payments, we do n't have to offer you any assistance then the whole loan balance will be due. '' Well feeling beaten down and very confused as to why my rights to read what I 'm agreeing to before I sign up were being taken away I am reaching out to you at the CFPB to help shed some light on this and warn others from going anywhere near XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Medical) with MST Financial Services, L.L.C. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid a bill to XXXX XXXX XXXX on- line for XXXX. They continue to bill me this amount. I called them, because I could view that the total had cleared my bank.When i called XXXX, they claimed it went to pay old debt to Chapman Financial Services. I contacted Chapman FS, and asked them to show me that my account was credited this amount, they only used the information I gave them to continue calling me and sending me a new bill for XXXX. No where-in any questions or billings has the amount been-the amount showing on my credit report estimated XXXX??? 
this whole thing seems very fishy on both parts of XXXX XXXX XXXX and Chapman Financial Services

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Fraudulent charges were reported by me to my bank ; These were charges from XXXX XXXX and were made through my phone account. I was given a temporary credit. The bank, Bank of America later said that they investigated the charges and denied them. I appealed their decisions and gave them information from my phone company XXXX with the information that I had attempted to resolve the matter with my phone service provider. It took months and again the charges were denied.

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 05/26/2017 about Debt collection (Medical debt) with Unifin Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a call from  XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX i sent {$100.00} from my XXXX XXXX wallet to my coinbase bitcoin cash wallet. The money was deducted from my XXXX wallet, it never showed up in my coinbase  wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My mortgage was transferred to XXXX XXXX XXXX XXXX  on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I suspended XXXX ... now XXXX service billed at my father 's house untill futher notice/ my authorization to return cable service. XXXX XXXX proceeded to turn on the service without authorization and while no one was living in the residence.. The charge was tranferred to me as the personal representative for his estate. 

I am being negatively impacted by a company called FOCUS RECEIVABLES MGMT LLC. They filed negative and false info affecting my credit score and purchasing power. 

Is ther any thing can do to fight this BOGUS claim?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation