milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has failed to properly verify information I have disputed multiple times on my credit report and continue to report inaccurate derogatory information. On XXXX XXXX, XXXX, I submitted an online dispute of inquiries I had not authorized. The following is the response I received from Equifax dated the same date of XXXX XXXX, XXXX : " Inquiries are a factual record of file access. '' I requested specifically in a follow up letter that Equifax send me proof that the inquiries are reporting accurately. Equifax has refused to verify that the inquiries are reporting correctly. Their quick vague response speaks volumes. 
The following are the inquiries that were disputed online and sent certified mail : Information Searching Co XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 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: Their investigation did not fix an error on your report

Complaint: Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.

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 02-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Ok so I complained and they found 12 additional months toward my public service loan forgiveness. Funny can they find more as I have 18 yrs with the same agency? I think they should look till they find them all, do n't you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a loss of income i have reached out several times to HSBC to reduce my mortgage rate. all they have been doing is extending the term which is putting me in more and more death. i can not understand why as a consumer trying to do the right thing and not fall behind on my mortgage they are not able to assist me. All i want is a permanent fixed low interest rate. I have even hired lawyers spend money, and all lawyers tell me is that its difficult with HSBC you have to fall behind for them to reduce your rate. My credit is already not good, i have credit deaths so why would i want to increase that i also have a kid that i have to show some sort of example for. Why when im trying to do the right thing and not fall behind i am unable to get the necessary to have a roof over my daughter head. I am sure im not the only consumer having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in a loan modification for well over 8 months with Bayview Loan Servicing and they have been jerking us around and not returning phone calls and as of now they ca n't locate a check that was sent ( certified and signed for by them ) at the beginning of the month, their response was they see it was received, they will look into it trying to locate it and get back to us. They are consistently inconsistent. Every month a check has to be sent over night with a tracking number which costs an additional {$20.00}. Wrong information is continuously being sent by Bayview. There are too many inconsistencies and " mistakes '' on their end. The issues are now compounding each other. We should have been out of modification about 5 months ago and able to handle all transactions with XXXX ourselves but we and our mortgage are being held hostage by Bayview. Instead we go from person to person even supervisors and nothing is getting resolved and all of our questions go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: XXXX filed an order through the XXXX to withhold funds from my bank accounts with Wells Fargo. Wells Fargo removed funds from XXXX of my checking accounts and my savings account leaving me with a zero balance in all of them. The amounts that they withdrew are : XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$740.00} from my Way @ SAVE checking accouns ; Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$410.00} from my At Work Checking and ; XX/XX/2017 LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$62.00} from my Savings account. 
On XXXX @ XXXX a judge ordered a garnishment exemption which was faxed and mailed to Wells Fargo. They have not returned my money to me. I have spoken with them on XX/XX/2017 @ XXXX for XXXX min and XXXX seconds ; XXXX for XXXX hr and XXXX min ; and XXXX for XXXX min and XXXX seconds. On XX/XX/2017, I spoke with them again @ XXXX for XXXX minutes. On that day I also went to the Wells Fargo Branch @ XXXX. XXXX XXXX and spoke with the branch manager, XXXX. She later called me and said that there was nothing she could do to help me. On XX/XX/2017 I spoke with them again for XXXX for XXXX hr and XXXX minutes. On XX/XX/<YYYY> I spoke with them @ XXXX am for XXXX minutes ; @ XXXX for XXXX minutes and @ XXXX for XXXX minutes. Today XX/XX/2017 I spoke with them @ XXXX am for XXXX minutes and @ XXXX for XXXX seconds. Some of the time was time I was on hold, but each time I was told that there was nothing they could do. They advised me to call the court. 
I have spoken with the above mention court on XX/XX/2017 for XXXX minutes ; XX/XX/2017 for XXXX minutes ; and today, XX/XX/2017 for XXXX minutes. I have also visited the court in person and each time they tell me that a check was never received and there is nothing that they can do. I asked them to please call Wells Fargo to let them know that the check was never received, but they wo n't. I asked Wells Fargo if they would call the court to ask if the check was received and they wo n't. I also asked Wells Fargo if they could provide me with the address that they mailed the check to and they said that they did not have that information. This was their legal department. 
Needless to say, I am getting nowhere fast. I am a nurse and I live pay check to pay check. I have had several insufficient fund fees charged to my account in addition to the money being held by the bank. I feel this is very unfair. Please help me resolve this. Wells Fargo is way to BIG for me to get anywhere with. I am attaching the court papers. Thanks, 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 07/22/2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had my identity stolen in 2013 and XXXX of the accounts that was opened under my social security number was a cash into check payday loan. 

I received a phone call stating that a felony check case was going to be forwarded to my XXXX and a warrant will be filed for my arrest later that day, unless I paid the debt. 

I asked if I could send them police reports, affidavits and all of my identity theft information to resolve the issue and was told that I would need to turn myself in to be arrested, hire an attorney and take my case in front of the judge who would probably find me guilty any way. 

I was told that I could pay the bill of {$930.00} ( which does n't warrant a felony, by the way ) and then take whoever stole my identity to civil court and get my money back. 

I was told I could not send any information to them at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Closed safe deposit and credit cards for no reason

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  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 11-05-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( XXXX ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. BAL : {$8500.00} This ACCT. is duplicate with multiple listing as open error please delete.. 
2. ACCT. NAME : XXXX XXXX XXXX - XXXX XXXX XXXX ) ACCT. BAL : {$1200.00} This ACCT. is duplicate with multiple listing as open error please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$500.00} This ACCT. is duplicate with multiple listing as open error please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$420.00}. This ACCT. is duplicate with multiple listing as open error please delete. 
5. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$440.00} This ACCT. is duplicate with multiple listing as open error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Citi checking account on approximately XX/XX/XXXX. The checking account came with a promotion that I would earn a {$300.00} cash bonus if I met the following requirements ( terms attached ) : 1 ) Within thirty days of account opening : Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date the qualifying deposit was made.

2 ) Within sixty days after accounting opening : 1 qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new checking account. 

During the process of making my initial deposit of {$15000.00}, I contacted Citibank customer service to be provided the proper routing number for a bank-to-bank transfer because I couldn't find it online. I was provided one and used it for a funds transfer but the funds were never delivered. After realizing the transaction had failed I immediately called Citibank customer service again. Upon further inquiry it was determined that I was provided the wrong routing number. This call took place around the 30 day initial deposit requirement and so I was concerned my funds would not be deposited within the 30 day window. During this call I was provided the correct routing number and assured by the customer service representative that I'd remain eligible for the promotion, even if my initial deposit did not meet the 30 day window, due to the fact that I was provided the incorrect routing number causing my deposit to be delayed by many days. 

With the correct information I completed my initial deposit on XX/XX/XXXX and maintained that deposit until XX/XX/XXXX, which was greater than XXXX calendar days. I also had XXXX qualifying direct deposit post in XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The attached statements document these transactions, which met the remaining requirements of the promotion. 

Around midXXXX I contacted Citibank to confirm that I had met the terms of the promotion and ask when I was to receive my promotion. During a series of calls and after an investigation it was determined that " my account does not qualify for this promotion because the required amount of deposit was not made within the stated timeframe ''. This conclusion was reached despite the fact that I was told by a Citibank customer service representative in XX/XX/XXXX that I would remain eligible for the promotion as a result of their mistake that resulted in my delayed initial deposit. This was also reached despite the fact that I continued to meet the remaining promotion requirements in good faith despite the error on Citibank 's part.

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 12-05-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The State of Colorado has no legal authority to put to a foreign case on my credit report. It has to be done by the country with whom the legal issue revolves around. 
XXXX has not responded, they just keep messing up my credit report. I have 30-31 days to make a car payment, and they keep saying I am 30 days late, I have never been 30 days late. I make XXXX payments per month in the month. I also have a 3 month payment deferment which they seem to of forgotten all about last year. 
XXXX XXXX has turned my debt over to a collections agency now both are showing the same debt. I returned the Items but I get no response from them or the XXXX credit agency 's. 

THE credit monitoring and reporting is a real SCAM!!! The system is so inaccurate and when you try to correct it nothing happens except they want and take your money which it should not coast anything to keep track of your life history.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with JH Portfolio Debt Equities, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In  XXXX   XXXX , I sent JH Portfolio Debt Equities , LLC a letter to validate the debt that was being reported on my credit report, including original date account went delinquent and to send me all documents that they had in the file used to verify the accuracy of the account. I asked for a complete verification including, agreement with the client that granted authority to collect this alleged debt, date the alleged debt became payable, verification that the debt was sold to this collector and complete accounting of alleged debt. I did however, receive a letter dated  XXXX   XXXX ,  XXXX  from the company, not verifying any of the information, but acknowledging the dispute. The collection agency as seems to be re-aging the debt. My credit report reflects the company reporting the collection as opened in  XXXX  with no original delinquency date.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XXXX 2017 I went to the Experian Credit Report official website and went there to see about getting a credit report. First item on the website, it says " Get your Credit report and Fico score '' with a hot button to click. So I clicked it and signed in ( I had already requested a report from pervious years ). From there they gave me my FICO Score and Credit Report ; after that I did n't think of Experian any more. Until I got back from an extended trip abroad and reviewed my XXXX 2017 credit card statement, and found out that Experian was charging my account since XX/XX/XXXX a monthly fee of {$21.00}. I called up Experian, and expressed that I did not order their monthly service, I also told them they should check their records, and find that I had never signed onto their web site. They said they would cancel the account immediately and credit only the last months charged. I asked that they cancel all the months, I never ordered the service ; and they declined.

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 06/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2015, I was notified from my XXXX mortgage company, that my loan had been sold prior to my XXXX payment due date (XX/XX/2015). However, I had already mailed in my payment to the original lender on XX/XX/XXXX. The original lender sent my payment to the new lender and it delivered via XXXX on Thursday XX/XX/2015 As of XX/XX/2015, the check was not presented to my financial institution for payment and I still have not received notice from the new lender stating they now own my mortgage and/or where to send future payments too. After looking up this new lender I found bad reviews of this company reporting late payments on customer accounts when the payments were provided before or on due date. 
I have not received any feedback from this lender after calling XXXX to get information about a new account number and where to send future payments. When I called I was told the loan was not in their system yet and it will take a day or 2. However I should receive a letter within 15 days of the loan transfer. It has been more than 15 days and I received no notification from the new lender.

Company response to consumer: Closed with explanation