milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: I filed a dispute with XXXX and Experian on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from Experian at all and I have disputed more items beginning in XXXX  of this year. XXXX have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is refusing to delete an " XXXX XXXX '' account from my credit report that does not belong to me. The account number is " XXXX '' and the amount is for {$1800.00}. I know for a fact that this account is not mine because I have already spoken with XXXX 's representatives and the records they have do not match my personal information. They did tell me that this debt was related to a University XXXX XXXX Florida account. I myself have never attended the University XXXX XXXX Florida nor taken any loans from them. The only student loan account I should have on my credit report is my XXXX XXXX ( XXXX XXXX XXXX ) account that is currently being paid on time every month. I am a very responsible person and I do not have any outstanding debts that are delinquent. Everything I have ever taken out I have always paid back. Moreover, I have checked my XXXX and XXXX reports and this account is not being reported there at all! I am filing this complaint because this is clearly a mistake being made by Experian and they are refusing to fix this. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 07-03-2015 about Mortgage (Conventional fixed mortgage) with PLAZA HOME MORTGAGE, INC. (CA).
Issue: Settlement process and costs

Complaint: My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section XXXX XXXX a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: this company pull my credit with out my unknowingly I never give them my information are this company his purposely invaded my privacy. 



XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/2017 Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX/XXXX/XXXX Release of Tax Lien State of Alabama {$XXXX} Docket # XXXX XXXX/XXXX/XXXX Release of XXXX XXXX State of Alabama {$XXXX} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In mid-XX/XX/XXXX, I received a collection notice from Diversified about a debt owed to XXXX. I was unaware the debt existed, but paid it nonetheless. I was just thankful that the Fair Debt Collection Practices Act allows individuals 30 days to address a collection account before it shows up on one 's credit report. 

Unfortunately, this account showed up on my credit report anyway ; even though I paid inside of the 30 days allotted. To make matters worse, I am in the process of purchasing a home, and the appearance of this {$110.00} bill dropped my credit scores 35 points and is now preventing me from completing my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME AND WAS RECENTLY DENIED AND THE REASON THAT WAS STATED WAS BECAUSE MY INVESTOR HAS A RIGHT OF APPROVAL. I WAS NOT DENIED DUE TO INCOME OR AFFORDABILITY, JUST BECAUSE MY INVESTOR SAID SO WHICH IS   XXXX   XXXX  . I HAVE AN INTEREST RATE OF 9.65 % AND IT IS APPARENT THAT THEY ARE ONLY INTERESTED IN KEEPING ME IN A ABSURDLY HIGH INTEREST RATE INSTEAD OF REVIEWING ME FOR ASSISTANCE MY WIFE AND I DESPERATELY NEED IT. WE HAD TO CARE FOR OUR PARENTS , ONE  WHICH HAD  XXXX   XXXX  AND THE OTHER THAT HAD  XXXX    XXXX   XXXX   WITHIN 2 DAYS AND NOW   XXXX   XXXX    XXXX . THESE RESPONSIBILITIES HAVE FALLEN ON  US AS WE BOTH ARE   XXXX   XXXX   OF OUR PARENTS AND MEDICAL BILLS ARE  RACKING UP. NOT PAYING MY MORTGAGE IS NOT SOMETHING WE WANT TO DO, WE JUST NEED TO BE CURRENT SO WE CAN CONTINUE TO MAKING OUR PAYMENTS. WE CANT AFFORD THE DELINQUENT AMOUNT, WE ARE ONLY ASKING TO BE CURRENT SO WE CAN SAVE OUR HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I got caught in a timeshare fraud while in XXXX. I charged about {$7500.00} on two cards. One was {$3500.00} to my Wells Fargo Visa card which they retuned to me but the {$3900.00} on my Wells Fargo XXXX XXXX card was rejected. Four days after I signed the contract on XX/XX/XXXX, I emailed the company and said I didn't want it. I again emailed the company on XX/XX/XXXX. I informed the credit card companies on that date also. The WF XXXX denied my request, saying I did not follow the directions on the contract to cancel in writing not email. I involved the Mn attorney general and they did what they could, including sending a letter to the address I had for the timeshare company but it was returned with no known address. The MN ag has had no luck with WF XXXX. They suggested I contact you. Thanks for any help you can give me. I no longer have the card.

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 11/17/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for the removal of PMI and was rejected. My LTV is below 78 % and feel it should be removed, as long as payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Late last year I discovered that XXXX XXXX has been reporting a collection account in my name to XXXX, and they have been reporting this collection for several years ( since XX/XX/XXXX ). I did not apply for an account with the original creditor ( Citibank ). I have never held a credit card from them and I have never received any documentation from the original creditor this account was for. I also have never received ANY communication, written or via phone call, from XXXX XXXX to notify this debt was passed to their office. I only became aware of this account when checking my credit report for the first time in several years. 

After becoming aware of the collection account I sent a certified letter to XXXX XXXX on about XXXX XXXX, XXXX requesting that they validate the debt they were reporting to XXXX. 

This letter was returned to me undeliverable. 

Frustrated, I filed a direct dispute online with XXXX, using the reason " This account was fraudulently opened by someone who stole my identity ''. Surprisingly, the dispute came back " verified '' and no change was made regarding this account on my credit report. I now realize that the incorrect " dispute reason '' was probably used, nevertheless I have no previous knowledge of this account so it made sense to me. 

Still frustrated I called XXXX XXXX and asked for their mailing address to send a letter regarding an account. The person on the phone gave me the following address : XXXX XXXX XXXX XXXX, TX XXXX. On XXXX XXXX, XXXX I again mailed them via certified mail requesting validation of this collection account. Again the mailed letter was returned to me undelivered! At this point I feel that something very unscrupulous is going on and this XXXX XXXX company is intentionally making it difficult for consumers like me to exercise my rights by requesting validation of negative information that they have been reporting on me for years. 

Their business practices are unethical at best and appear to be in violation of the Fair Debt Collection Practices Act.

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 11-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: J.P. Morgan Chase Bank have repeatedly acknowledged on multiple complaints in this matter they will not violate confidentiality of accounts relevant in this matter of my assets plus annuity payments plus being I did not have account there was nothing more to discuss. I have opened Chase Bank Checking account but still have not received annuity payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: delete the debt, they violated debt collection laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!

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 07-09-2016 about Credit card () with DISCOVER BANK (DC).
Issue: Other

Complaint: I have a automatic payment deduction set up for my Discover credit card. The limit is {$2000.00}. They deducted the {$100.00} in XXXX. But in XXXX 2016 they did not make a deduction. However they reported to the credit bureau that my account was over drawn by {$35.00}. Why not make the authorized {$100.00} deduction that would have made my account {$1900.00} and avert a negative report on a customer that has never been late with a payment? Discover seems to rush to to negative reporting even when they have a real solution. I want the negative report removed. I will pay off the card and close the account. Do not need to do business with these type people.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX car max requested to pull my credit for an auto loan. I was not in the market for a car and this was never authorized. A total of XXXX inquires throughout the XXXX bureaus from 6 different companies, which whom the other 5 say they pulled FOR car max, has been reporting on my credit. There are no open accounts or auto loans through any of these companies. I have contacted all 6 companies by phone email and letters only to get no results. XXXX, XXXX XXXX acceptance, XXXX XXXX XXXX ( twice same day on XXXX ) car max auto finance and XXXX XXXX XXXX servive

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Advertising and marketing

Complaint: On XX/XX/XXXX I received an offer from chase mileage plus explorer credit card that said if you sign for the card and you expend {$2000.00} in the first XXXX month you will receive XXXX miles in your united account and if you add another person to your account you will receive a extra XXXX miles, so I call an made the over the phone application and ask the customer service all the staff to qualify to the offer, they assurance me that there was no problem if I expend the money I will get the miles, so I sign I got the card I begin to use. XXXX month later I called to CS about the miles they said do n't worry in XXXX XXXX billing cycle you will get it but that was not true I called again on XXXX XXXX and I spoke with a supervisor He said to me that He can not understand why I did no got the miles posted to my account yet but He is going to put a request to the " marketing department '' and I should receive the miles in XXXX days and a letter from that department in less that XXXX day, so I went to vacation and when I return I checked my miles did not change but I got a letter from chase that state that because I receive a bonus credit in XX/XX/XXXX I did not qualify for this bonus offer and I did not going to get any bonus miles with this card. I call back to CS and they repeat the same thing to me. I can understand that can be the policy of the company but why they sent the offer to me, why when I call to apply they did not mention about that rule, why went I called XXXX month later they did not same nothing and why when I spoke with a supervise on XXXX XXXX He assured that they was not problem that I ll get the mileage, Chase was lying to me as customer from they XXXX, the only reason that I sign for this card was for the miles if not I can get any other card offer I have excellent credit every day I got by mail different offers if you can get the voice record of my conversation you will hear that the latest Supervisor was agree with my point but He can not do nothing Those were the company policy, off course to attract customers from the competition. From my point of view those policy are unfear marketing policy that try to scam the customer not showing the real rules of the game from the beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is this is the same complaint I had with XXXX regarding the bankruptcy law stating " when a debt is discharged ( chapter XXXX ), the creditor is '' forever '' barred from trying to collect it from you or reporting it to a credit bureau ''. The account was discharged on XXXX XXXX, 2009 when the Bankruptcy Chapter XXXX was discharged. The staff of these credit bureaus need more training regarding bankruptcy laws. 
Collections : XXXX XXXX XXXX - I sent them a copy of the statement showing XXXX balance. The agent I talked to from Equifax told me that according to XXXX the collection stands. I told her so you are going to take the words of the company instead of the documents I provided you. She said " YES ''. Not because the companies are paying for the services of these credit bureau does not mean we, the customer, has no say on the issue.That is not fair! And not right either!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with PNC Bank N.A. (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: PNC Bank  XX/X/2014    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Secured Debit Card {$300.00}   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Closed account Told, I would get a check in two ( 2 ) weeks in the mail. ( 2 wks. )   XXXX   XXXX   I was told the check would be mailed out in the next billing cycle, ( 3 wks. ) on "   XXXX   XXXX   ''   XXXX   XXXX   I was told the check was mailed Friday,   XXXX   XXXX   by  XXXX . ( 8 wks. )   XXXX   XXXX   Receive Check ( 9 wks. )

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: Regions bank is finding ways to rob consumers of their funds. I had {$46.00} in the bank when XXXX charges came through for {$39.00} & {$6.00}. There was enough funds to cover XXXX of the charges, but they charged me nsf fees of {$36.00} each for both charges. This is bank robbery but Regions Bank is the one doing it. They are finding creative ways to steal from their customers XXXX/XXXX/2016 FEE MONTHLY FEE {$8.00} - {$82.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$74.00} XXXX/XXXX/2016 DEBIT PAPER STATEMENT FEE {$2.00} - {$38.00} XXXX/XXXX/2016 CARD XXXX XXXX {$39.00} - {$36.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} {$3.00} XXXX/XXXX/2016 CARD XXXX XXXX {$6.00} {$39.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$11.00} {$46.00} XXXX/XXXX/2016 DEBIT LOAD TO CRD # XXXX {$5.00} {$34.00} XXXX/XXXX/2016 CARD XXXX XXXX {$36.00} {$39.00} XXXX/XXXX/2016 DEPOSIT DEPOSIT {$63.00} {$75.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$7.00} {$12.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation