milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: This is a formal complaint against XXXX located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. 

I should not be treated this way for something that I did not purchase or get the benefit of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IN).
Issue: Problems when you are unable to pay

Complaint: Car loan that was included in a discharged bankruptcy, and also paid in full with insurance proceeds, is still reporting as open and delinquent to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been applying for a home loan and going for a XXXX loan. The bank continues to state Equifax is surprising my information. I have called 6 times over the past two weeks and they indicate there is no problem with my account and no hold or freeze in place. The bank continues to state there is a hold. I am not sure how I can correct the problem. When I call in I get someone from the XXXX and I can not understand them so I am not sure if they understand what I need.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016  at XXXX I entered my local PNC branch located at XXXX XXXX Florida XXXX.  I was there to make 3 separate transactions.  The first transaction was to deposit checks in the amount of XXXX into my business account.  The second transaction was to cash a check in the amount of XXXX  The third transaction was to exchange XXXX in small denominations for XXXX in XXXX.  The teller took the checks, and cash behind the window.  As I waited for my transactions the branch manager and I talked for a few minutes.  I saw the money machine dispense cash and the teller walked over and grabbed it, then walked over to me.  She gave me my deposit receipt that I have attached here, and she counted out XXXX XXXX bills in the amount of XXXX. She asked if I wanted a envelope and I said yes.  She gave me the envelope.   I walked out of the bank never receiving my last transaction which was XXXX in XXXX bills.  I went about my busy day and went home.  I counted my money when I got home and realized I was XXXX short.  It suddenly came to me that the teller never completed my third transaction, and I was never handed the XXXX.  By then it was too late to call the bank.  I waited until the next day, XX/XX/2016, and as soon as the bank opened I walked in and asked to speak to a manager. No one was available.  I explained to the employee what took place.  I was told I would be contacted.  I was contacted later that day by the branch manager and was told I would be contacted Monday, XXXX.  I was never called. I called the bank at XXXX and was told that the branch will have a security man look at the video the following day which was XXXX.  I received a call from the bank on XXXX.  I was told that the tellers till was accurate and that no action will be taken regarding my missing money.  I drove to the bank to speak to the manager.  She has a brief meeting with another teller before I was asked to enter the office.  I was told that no action would be taken on my behalf.  I asked about the video and the manager and her assistant told me that the video showed the teller counting out XXXX XXXX bills.  I asked to see the video, and I asked for some documentation stating that a professional reviewed the video and that I was handed XXXX.  I was told that they could not help me.  I contacted PNC cooperate office and was told that I have to wait several business days prior to any information pertaining to this matter.  I was never given the XXXX that the teller took behind the counter to exchange for larger bills.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 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: Old information reappears or never goes away

Complaint: The car reposession was removed off my credit and now placed back.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CO).
Issue: Taking out the loan or lease

Complaint: Lending Club led me to believe that my loan had been approved and then went back on what they said a week later and denied my loan. I first received a preapproved letter from Lending Club in the mail and proceeded to apply. Within minutes of completing the requested information, I was told I was approved, but needed to finish the " checklist '' on my login page. I completed all steps, including providing very senesitive information like my bank account number and sensitive work information. A week later, when I had n't received the direct deposit and had not received any follow up correspondance, I logged back in and the website said that I just needed to call to confirm my identity for the funds to be dispersed. I did this, providing/confirming additional sensitive information by phone, then was put on hold indefinitely until I had to hang up to take a work call. I then received an email, stating they would be calling me by the end of the next business day to confirm some information. Except then later that same day, I instead received another email stating that I had declined for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CIT BANK, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX the property was purchased for $ XXXX and inXX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I do not recognize this account it apparently is a result of identity theft and needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Much of the info Early warning is showing is WRONG! I dispute it ALL ... XXXX XXXX and XXXX XXXX all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 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: Personal information incorrect

Complaint: This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Where do i start. I called ally spoke to XXXX people before actually speaking to a rude supervisor- After asking XXXX XXXX is her employee number she claimed to be a supervisor- When i asked her why her employees put me on a hold for more than 15 mins after advising me they will be back in 1 minute. They are already violating. I will be placing a compliant to the cfpb for poor collection practices. I was on the phone for over 1 hour. One person in the company is saying i am past due on my account. They transfer me to collections i wait another 10 mins i speak with the collections representative she says she ca n't help me my account is 40 days ahead.. CAN SOMEONE GIVE ME AN ANSwer.. I ask to speak with a manager and i tell her what is going on she DIDNT SEEM TO CARE- Her response was Just YEA i asked her what do you mean yea.. NO ONE HELPED ME can some investigate this companies policy on customer service and they way they place people on hold- They had 1 working supervisor for the whole company she said and she was the only one taking calls. How can 1 supervisor run a call center.. They reported my credit late. I want this removed..

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 12/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband and I filed a Chapter XXXX Bankruptcy in XXXX of 2009. However, after filing it, we changed our mind and decided to simply deal with our debt. However, the attorney that we used did not tell us it would still remain on our credit report for the standard SEVEN years. So, for the last seven years, we have done our best to build our credit and actually have pretty good scores FINALLY. Everything I have read on the credit reporting agency 's websites and online indicates that a Chapter XXXX will be removed after SEVEN years. After checking our credit scores and reports, we noticed that Equifax had not removed the Bankruptcy. XXXX and XXXX removed it automatically. I have filed a dispute online with Equifax, however with limited options with their online dispute form, they responded that the Bankruptcy was reporting correctly. I then typed up a very detailed letter, along with information from their own website showing that a Chapter XXXX should be removed after SEVEN years. I received a response from them indicating that I did not provide enough information. I am frustrated and do not know what else to do. Equifax simply refuses to remove the Bankruptcy. I would also like to reiterate that WE DID NOT GO FORWARD WITH THE BANKRUPTY and paid our bills. The laws or regulations regarding this type of transaction incident should be changed to enable the bankruptcy to be removed once it is determined that it was not proceeded with. A simple filing should not stay on a credit report as if it was done. It 's simply not just. I am hoping that this agency can get Equifax to remove the Bankruptcy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me everyday 3 times a day. Plus they posted negatives comments on my credit 3 times in XX/XX/XXXX alone. Once on XX/XX/XXXX, again on XX/XX/XXXX, then again on XX/XX/XXXX in a concerted effort to lower my credit score. It for a XXXX that I have disputed but they will not listen to me and demand I pay money that I do n't owe.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the XXXX Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: For over 14 months Ocwen has had my misdated letter claim and refuses to process. 
Why have Ocwen senior management teams not had criminal charges filed against them. 
They have wrongly reported me as delinquent when I have a letter on Ocwen letterhead apologizing that for 3 years they failed to open a XXXX file which was in effect when they took over from Homeward Residential. My loan mod paperwork was lost time and time again. They refused to complete the loan modification since they could not find income verification paperwork. XXXX staff are XXXX and can not read XXXX. The executive committee are worthless as is office of Ombudsman. My home was scheduled for foreclosure in XXXX 2014 due to their error. I hired XXXX another bogus scam firm to get Ocwen to remove inaccuracies on, credit reports that are over 10 years old and the statute of limitations has expired. Month after month Ocwen continues to report incorrect information and XXXX is worthless. Yet ocwen continues to fail to remove these credit bureau reporting inaccuracies. I have complained to CFPB several times before with no results. Interest rates went as high as 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sent numerous advertisements " Enjoy up to {$500.00} on us '' with details about opening both a savings and a checking account to earn the {$500.00} with minimum balances and length of time the money must stay in the account. When I tried to apply for both these accounts at XXXX Chase Bank branches in XXXX XXXX, I was refused because the staff person said that I had used their incentives before and they would n't accept me as a customer. I did n't see any wording to that effect in the advertisement I have. Is Chase Bank allowed to deny such a transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: These are the only 2 places I have lived in the past XXXX years. XXXX XXXX XXXX,XXXX, IL XXXX
XXXX XXXX XXXX,XXXX XXXX, CO XXXX-XXXX.

Therefore I could not have been at XXXX XXXX-
XXXX  XXXX XXXX #XXXX**** 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 
(XXXX) XXXX
Placed for Collection: XX/XX/XXXX

COLLECTION AGENCY/ATTORNEY
Balance:
$XXXX
Date Updated:XX/XX/XXXXOriginal Amount:
$XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>$XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Amazon Credit Card via Synchrony Bank continues to reduce my credit line despite the fact, I pay my account timely and without issues. This continues to impede my credit score and su ggest my account is over the limit. It 's wrong to decrease my line of credit albeit, I 've paid my bills on time with this banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. 
My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Diversified responded to my XX/XX/XXXX complaint ( XXXX ) with a letter with half truths : DCI contacted me several times at the end of XXXX. I received a collection letter dated XX/XX/XXXX on XX/XX/XXXX. DCI contacted me via phone on XX/XX/XXXX and again on XXXX and on XX/XX/XXXX after I had asked them several times not to contact without the proper verification. I stated that I had not received an itemized statement and that I had only received a demand or collection notice. I sent via XXXX a debt validation letter on XX/XX/XXXX, a letter that was not received in Diversified 's office until after XXXX XXXX. on  XX/XX/XXXX, so how on earth could they have responded to my debt validation letter on XX/XX/XXXX if they had n't even received it? I provided to the CFPB the receipts and receipt of UPS letter on my initial complaint, I will submit them again for you to review. Additionally, DCI claims that I requested billing statements, which is false, I requested a detailed itemized invoice of the alleged debt owed and I have not received a detailed itemized statement of the account to date. Diversified failed to provide this within 30 days and I have proof. Diversified did n't respond to my XXXX/XXXX/XXXX and they completely omitted it from their statement. Why do you suppose that is? Because Diversified did not follow the proper protocol and still reported a debt that has not been validated which in a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I went to a car dealership with hopes of purchasing a new car. I requested that the car dealership only run my credit through 1 company. After checking my credit report I noticed they shopped my credit report to 10 different companies. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have contacted this company via certified mail on   XXXX  1 7sending a HIPAA letter requesting VALIDATION of this debt. The company, in turn, responded with a VERIFICATION letter which does not validate this debt. I have not signed any documents with this company allowing them to have my medical information, nor have I entered any contract as to why this debt would be owed to them. I have no knowledge of this company and am in need of validation of the information. I will send out another HIPAA letter requesting VALIDATION of debt and f ile a complaint with the BBB.

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 01/14/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I screen all my calls from unknown numbers and do a simple google search after the call has been missed. This is the second time XXXX XXXX/Navient has called before XXXX recently ( like within 3 months ) first was only XXXX minute before XXXX, but this time was about XXXX minutes before XXXX. There was no message left. This particular time caller id showed XXXX ( XXXX ) XXXX XXXX, IN.

Company response to consumer: Closed with explanation