milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent multiple letters to Experian to remove the inquires. I have even place a Fraud alert on my report and Experian refuses to remove them.The request that I submitted included XXXX hard inquires that were not factual and received the same response for ALL inquires which was inquiries are factual record on file access. If you I believe this was unauthorized. Please contact creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my letter one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.Kindly investigate my claim in accordance with Fair Credit Reporting 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 02-05-2018 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: Account information incorrect

Complaint: COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( EQUIFAX AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with KONDAUR CAPITAL CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: After a mishap by my Property Insurance Agent who mistakenly did not report to my lender a copy of a valid Insurance binder as proof of my home owner 's insurance coverage, a force placed insurance was applied to my mortgage loan. The forced placed caused an escrow shortage which the servicer attempted to cure by increasing my monthly mortgage payment amount. This new mortgage payment amount proved to be a hardship to me which caused me to fall behind on my mortgage payments. After some months of trying to request a correction of the error. I was offer a Forbearance Plan by Kondaur Capital Corporation. However, in their effort to assist they made a fatal error that may cause me to lose my home. Attached is the letter written and dated XXXX XXXX, 2014 offering the Forbearance Agreement and the executed Forbearance Agreement. The problem is that the agreement directed for the commencement of the agreement initial payment to be paid by XXXX XXXX, 2014. This was a fatal flaw in the agreement. It provided only two ( 2 ) days. The letter was not received by the borrower thru the XXXX mail until the XXXX of XXXX, 2014. Nevertheless, the Borrower XXXX XXXX signed the agreement and mailed all XXXX of the required payments dated XXXX XXXX, 2014 to Kondaur Capital Corporation in advance in good faith ( proof is attached ). The Borrower subsequently received notice from Kondaur Capital Corporation that the Forbearance Agreement was cancelled because she paid the amount due after the required date of XXXX XXXX, 2014 as per the agreement. Months and months of trying to get someone at Kondaur Capital Corporation to acknowledge and correct their error went unanswered. To further exasperate this matter, Kondaur Capital Corportion refused to return the XXXX XXXX XXXX XXXX payments. Kondaur has since refued to work with me to correct their error and began foreclosure proceedings. To make matters worst, they transferred my the servicing and rights to my mortgage to XXXX XXXX XXXX XXXX in XXXX Florida. This new entity will not negotiate with me, will not cooperate to bring my mortgage current. In fact, XXXX XXXX XXXX XXXX is a XXXX real estate investment company whos objective is to accertain non-performing loans in the hopes of foreclosing on dismayed homeowners and reselling their homes at a higher profit. They make no bones about what they are doing. When you call their office at XXXX, they answer the phone inquiring " what property are you interested in purchasing and would you like a showing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My mortgage was sold in a refinance deal in XXXX 2016 from XXXX, to XXXX ( briefly ), with final sell to XXXX XXXX ( and my credit report shows this ). However, the new financial institution to which I am making payments ( XXXX XXXX ) does not show holding this mortgage or my payments on my credit report as of XXXX/XXXX/2016. I have made XXXX payments and, after filing a complaint about not receiving transfer of service documents, received documents about 3 weeks after disputing. Those servicing documents said that XXXX XXXX, the servicer of my mortgage loan, reports credit to the credit bureaus. However, according to my credit report, they have n't ( at least for my mortgage ). See pages XXXX, XXXX, and XXXX of the attached documentation for highlighted/affected areas ; entire credit report attached in order to show there are no open mortgage accounts under any other name.

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 07/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed XXXX numerous times in the last 12 months. I have stated that the information is inaccurate and invalid and should be removed. Equifax continues to state that it has verified account XXXX yet XXXX BANK XXXX XXXX XXXX XXXX SD XXXX says in a letter dated XXXX XXXX 2016 That they have no account on their records with this account number. I would like either Equifax to provide proof of the information it VERIFIED or to remove and delete this inaccurate information according to the Fair Credit Reporting Act. 

I also have enclosed a copy of XXXX of my Equifax Credit reports saying they can verify this information along with the letter saying XXXX XXXX XXXX can not verify account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing XXXX Inc., aka SPS charges a fee to pay your mortgage online of {$15.00}. In addition, when you do pay this fee SPS does not show it on your mortgage statement. They should not be allowed to charge someone to make their mortgage payment and if they so they should be required, in writing on the statement, to acknowledge that such a payment was made that did not go toward your mortgage or escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing disputes

Complaint: To Whom It May Concern, My name is XXXX XXXX, My account number with Barclay Card is XXXX. I received mycredit card statementin the mail and noticed I was charged twice for flights from the XXXX to XXXX back in XX/XX/XXXX. My wife used my card without my authorization, when the credit card company called me I told them there was no authorization for this charge and to cancel it ; they said they would. In the meantime my wife never received a confirmation for these flights thereforeshe understood that the flights were NEVER booked. I was charged twice for this charge and wish to be refunded for this, Ideclined the charge when Barclay Card called and on top of it my wife never received confirmation for the flight. I then was only reimbursed for one charge and not the second, if I DID NOT authorize this charge how is it that I was charged TWICE? I have been dealing with this issue since XX/XX/XXXX and have received no resolution through Barclay Card regardless of numerous phone calls and e-mails. I live on a budget and this charge to my credit card is a heavy burden, especially receiving no adequate resolution on an issue I have been dealing with since XX/XX/XXXX. The card was charged on XX/XX/XXXX and XX/XX/XXXX, if you have any questions do not hesitate to contact me at my personal phone number XXXX and e-mail address is XXXX .I am writing this e-mail XX/XX/XXXX. Please help me with this issue

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 07-08-2016 about Credit card () with PAYPAL HOLDINGS INC. (NE).
Issue: Credit card protection / Debt protection

Complaint: I would like to file a formal complaint. I have a Paypal Credit account that unlike many other credit account allows for " flex '' in the credit limit. This flex allows for charges to appear to go through and be approved to be charged to PayPal Credit but in turn charge through directly to a linked checking account. This form of lending does n't seem to be fair. If the transaction is approved by PayPal, the charge on the account should be honored rather than forwarding it to the checking account. Having these additional charges go through after they appear to have been approved has caused overdrafts on checking causing me to be in bad standing with my primary financial institution. This is deceptive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found XXXX ( XXXX XXXX XXXX ) is reporting the fraudulent inquiry generated to Equifax X/X/17.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with Midwest Recovery Systems (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest recovery systems has filed a false claim on my credit report. I never recieved any notification about a debt or communication. It is reported on my credit report as of XXXX XXXX 2016 for a XXXX XXXX XXXX. XXXX XXXX XXXX I have researched is a " pay day '' loan company. I have not taaken out a pay day loan and do not owe this debt. I have been monitoring my credit for the last 3 years and this just appears without any notice. I have written them and demanded they remove this negative item immediately. I also imformed them that " Payday '' loans are illegal and unenforceable in NC. I have not taken out a payday loan, and do not owe this debt. I am a XXXX and will take this to litigation as a class action suit as I am sure I am not the only XXXX they victimized in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with GMFS, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a call from my home owners insurance that my premium was not paid as of XXXX XXXX, XXXX. I called my GMFS to convey the need to pay the premium that was due on XXXX XXXX, XXXX. GMFS said that is was mailed out to be paid. Three days later, the insurance called me again and said no funds/check was received. I call GMFS back and they said they paid it to my XXXX XXXX ( XXXX insurance company ). 
I contacted XXXX and they said because I no longer have an account with them, the check will be sent back to GMFS. 
I call GMFS back and disclosed that information. Asked if they can cancel the check and reissue another XXXX to the proper insurance company. They said no they could not. So GMFS rep said he was going to make some calls to locate the check. 
On XXXX XXXX, XXXX I paid my mortgage and realize the insurance was not paid. The due amount was over XXXX and my mortgage is only XXXX. I paid the amount due still not knowing what happened to the escrow funds for this purpose. I called again to for more clarification on XXXX XXXX, XXXX and still no lead way on the escrow. Fortunately it was paid because XXXX suffered a major tornado storm on Tuesday XXXX XXXX, XXXX. 
I called today ( XXXX XXXX, XXXX ) to speak with the supervisor because no one knows where the escrow funds are and my account is out over XXXX dollars. The manager XXXX XXXX approach was unprofessional,. rude and a brush off. He said he was going to look into it and call me back in 24 hours. I have been waiting already almost two weeks. 
Today

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2015 about Consumer Loan (Installment loan) with First National Collection Bureau, Inc. (IL).
Issue: Problems when you are unable to pay

Complaint: I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (IL).
Issue: Trouble during payment process

Complaint: PennyMac mortgage company does not offer functionality for their customers to make their mortgage payment from two accounts. I've asked repeatedly why this can not be done and their only response is they don't accept partial payments. I've explained we are not making a partial payment, we are paying the full payment just out of two accounts since we share responsibility in the monthly payment. Their automated system/internet system are preset to not allow consumers the option to make the full payment from different account information. You are forced to make payments over the phone with a rep with a resulting fee. This seems like an unfair practice to just make an additional fee ; the options available should be the same at all touch points for the customer. 

In addition they will take excess for escrow and still advise that your payment is increasing to cover escrow cost. If a consumer pays the difference due to avoid an increase in payment ; why is the monthly payment still increased. When asked, they can't answer ; state that's just how it is.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX was placed in my bankruptcy but it continuing to show as a debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (VA mortgage) with Lennar Financial Services, LLC (NV).
Issue: Settlement process and costs

Complaint: We started the home buying process XXXX 2015. The home we were buying was to close on XXXX XXXX, 2015. We had some trouble with VA underwriting and ended up closing on XXXX XXXX, 2015. My husband and I signed all closing docs on XXXX XXXX, 2015 at North American Title. Our sellers and agent picked the title company. We had never used them before. On page XXXX of XXXX of the residential purchase agreement the seller was to pay all HOA fees. We also asked for a home warranty up to {$750.00}. The sellers agreed and signed. The sellers were represented by XXXX XXXX XXXX. Everything was signed and agreed upon before we signed the closing docs. On XXXX XXXX XXXX our agent XXXX XXXX contacted us stating that the sellers/ relo company refused to pay the HOA fees totaling {$220.00}. The sellers agent, XXXX XXXX of Simply XXXX, stated if we did n't sign that she had XXXX other agents waiting for the house to fall out of escrow. We had no other choice, being under duress, but to pay the fees. Our agent reached out to the relocation company to get reimbursement and they refused. XXXX then contacted title who stated XXXX XXXX should have paid the fees. In e-mails between North American Title and Allegiance Relo we found out that North American Title had changed the docs after we had signed them. The sellers were to pay the fees yet someone in title had crossed out seller and written buyer unbeknown to us! There are e-mails between XXXX XXXX at North American Title and XXXX at XXXX that were XXXX to us. We have yet to get any documentation on our home warranty policy as well. Title left it out of the closing documents on the XXXX. I contacted my agent XXXX XXXX on the XXXX XXXX, 2015 about the home warranty.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief