milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Requested validation of XXXX XXXX debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile. 1st request sent certified mail XXXX/XXXX/17 ; response was " verified '' 2nd request sent certified mail XXXX/XXXX/17 ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile : * These items remain on my credit report in violation of Federal Law. * Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct. * These negative records are also listed on my report as duplicate records ( 2-4 times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

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 05-02-2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has duplicate / same account and reporting false and negative data related to a XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX " Charge Off '' on my Experian credit report that 's allegedly due to expire in XXXX XXXX. This is wrong, my charge off was first reported to Experian in XXXX XXXX. Now that this is XXXX XXXX, as required by law, 7 years have now passed and It needs to come off my credit report. Please have this removed from my credit report ASAP. How can Experian credit agency be so far off with their data. I have called XXXX many, many times about this issue and they do n't even have this account number in their database. 

XXXX has my XXXX credit report listed correctly. I have included a copy of my XXXX credit report, dated yesterday, XXXX XXXX, XXXX, as you can see, there is no negative activity listed. 
Thank you, XXXX XXXX XXXX XXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Account opening, closing, or management

Complaint: Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! 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 05/23/2015 about Debt collection (Medical) with Life Line Billing Systems, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt. I have rechecked my dates that I was covered by my parents policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parents policy in XXXX XXXX. 

On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not owe any medical balances, I even had additional coverage in my employment package. Please note this to my prior entry.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did n't change my address, some one change my address and open a XXXX under my 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 03/27/2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The caller was yelling at me and continued to cut me off and kept raising her voice

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing Inc, is attempting to collect a debt from me for paypal credit. Thing is I have never had a paypal credit card. Also they are using my old address from about 12 years ago. It has now been forwarded to me and they are now using my correct address but still with the apartment number I used to live in. 

Funny since as stated never had a paypal credit account, and the address is so old. Funny since it is not on any credit report. I knew this was suspicious from day one. It has been going on for about 3 years now on and off.

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. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX 2012, my home with Greentree Loan Servicing was burned to the ground and a police report was filed. Greentree was supposed to come repossess the mobile home and took forever to do so. My mortgage was behind a few months and there was forced place insurance on the home for quite sometime. The insurance was not expired at the time of the fire, but Greentree would not acknowledge that the home had insurance. So instead of the company paying off the home with the insurance that had already been paid by them, they in return continued to lie that the home was not insured and has since kept this property on my credit report as a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (NY).
Issue: Applying for a mortgage

Complaint: I have been trying to modify my mortgage for  six mont  hs with Shellpoint Mortgage Servicing, everytime they tell me I ha ve all the documents submitted and it will go to underwriting it never happens, I would call back and they would say they need new or updated documents. It would take me to call them to get that answer. On  X/XX/2017   I  called and spoke to  XXXX   XXXX  and she told me the documents I needed and I faxed them over. On  X/XX/2017   I d id call again to see the status on the loan and they said they were procesing it. They did send out  one lette r back on    XXXX   XXXX  , 2017  stating the package was incomplete. On  X/XX/2017    I did fax over the information that they had requested with a cover page stating to please call me immediately if any further documentation was needed. No call back, when I called in early  XX/XX/XXXX  they said I needed additional documentation, so on   X/X/2017  I   f axed over the items requested. No call back.  Early   XX/XX/XXXX  I called to see the status and they said they needed additional documentation. On  X/XX/2017   I fax ed over items requested. No call back.    X/XX/2017   I s poke to   XXXX   XXXX    and he told me i needed to send additional documents I did so on    X/XX/2017  . N o call back. In early  XX/XX/XXXX  I finally was able to speak to the person in charge of my loan  XXXX   XXXX  and he told me the information his representatives was telling me was not true, and began to tell me the documents he needed for it to go to underwriting. ( I have left numerous messages for  XXXX   XXXX  and he never returned the call. ) O n   X/X/2017   I s ent over all the information that  XXXX   XXXX  requested with a cover letter stating to please call me if he needed any additional information, and left my cell number. No call back. On    X/X/2017   I spo ke to a representative named and  XXXX  and she said I needed to send additional documentation which I did with a cover letter to  XXXX  and no call back. Every time I sent over the documentation that was requested I felt the package was complete and going to underwriting and when I would call to see the status, it always resulted in wanting additional documents.I have called and sent documents over other times in the past 5 months but did not document them. I have called and asked for  XXXX   XXXX  supervisor and left messages but no return calls and never any letters from  Shellpoint e xcept for the  one i n  XXXX  , 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IN).
Issue: Shopping for a loan or lease

Complaint: Chase Financial after contacting several at XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX branch failed several times to inform me of decision on auto loan. After speaking with District Manager XXXX, I feel that I am certainly not a priority to him or anyone at that branch including the Branch Manger XXXX. It seems there would have to be some kind of compliance violation after I furnished my private information!

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My ex-fianc and I share a joint checking account with TD Bank. We are no longer together, and I need to remove my name from the joint checking account. On XXXX XXXX, 2017 I went to a local TD Bank branch and requested for them to remove my name. The customer service rep told me the only way to remove a name is if the account is closed completely or I XXXX. This rule is the banks internal protocol and not a federal mandate. My ex-fianc has had this checking account since she was XXXX years old, and her direct deposit and numerous automatic payments are set up with this account. At this point, it is easier for me to die than her to close the account and redo all her things.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (I do not know) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax security was breached ( as you know ), and I am submitting this complaint to express my frustration and insecurity regarding my personal information. While Equifax is also a victim of hacking, I believe there should be a discussion on how individual 's information can be protected and how to protect individuals whose information got leaked

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my credit score negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I currently monitor my credit reports and scores across several different websites. I use XXXX, XXXX, XXXX, XXXX, and XXXX. On XXXX XXXX I received notification from several of the sites that my Equifax score had gone down over 100 points. Upon logging in to the sites I saw that Equifax had removed EVERYTHING from my credit file but 2 charge offs from XXXX. I immediately contacted them by phone. The representative could not explain what happened but directed me to fax a letter stating that my credit file was missing and to include copies of my social security card and driver 's license. She gave me confirmation # XXXX for the call. I faxed the letter that same day. The next day my credit file from Equifax was reinstated. Two weeks later the very same issue happened again. Again, my credit file was gone except 2 charge offs from XXXX. ALL of my positive accounts were gone. This tanked my score to XXXX again. I faxed them a letter about the issue again on XXXX XXXX, XXXX to have the issue corrected. This time it took a week for everything to be restored. Now the issue has happened again! Again my Equifax credit file is missing all of my positive accounts. I noticed that as the companies re-reported, each one is added but it is not fair to me to have to keep going through this. Equifax has a responsibility to report 100 % accurately and timely. They are not doing that. They are severely hindering my chances of being approved by a lender because my credit file is not reporting all of my positive accounts. With this complaint I am uploading proof of my contact with Equifax about this issue, proof of how this has severely damaged my credit at no fault of my own, and proof of my positive accounts that they other bureaus are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Keynote Consulting, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed a contract with XXXX in XXXX 2014 and every month since then I have been paying my monthly fee on time every single month according to the contract. Despite the fact that I have been paying my monthly fee to XXXX on time every single month the company decided to turn my account and payments over to a collection agency in an attempt to collect all the money at one time. I do believe that this was in direct retaliation because I requested to back out of the contract because I was not using their service. They did not allow me to back out and then they deliberately mismanaged my account showing that payments were missed which turned out to be by their own account an error on their part. Yet despite this fact my account was turned over to a collection agency although we both have proof that my payments were all made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Delinquent account

Complaint: I I paid my credit card in full I desputedit done of the dates on my report in return they melodiously attacked my credit report updating it to a ton of days late I have not owed XXXX penny since 2013 abs the account was closed. They opened it and launched a attack on me! Melisously destroying be trade line for negative impact the scout was paid in full I owed not XXXX penny in 2013 when I paid it they said they delete it would would be in my good credit lhistory as paid as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Received a notice that a payment I never made had been canceled. I logged into my account and noticed an additional payment was sent via quickpay. I never sent the payment. Chase informed me they couldn't reverse the charge until I submitted a form for them to investigate. I am not clear on how this occurred in the first place and never received any notice about someone logging into my account. I would like the money refunded to my account

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Student loan (Federal student loan servicing) with MOHELA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Mohela applied payments I made to the principal of my loans to " future payments. '' Basically, they took money I specifically directed that they make towards the principal of my higher interest loans, and then applied that money to my scheduled payments. It was not applied to the principal on any loans. It reduced my payments for a limited amount of time. 

For example, if my regular loan payment was {$600.00}, they took the {$2000.00} lump sum extra I paid and spread that over a couple years of payments, so I was paying {$500.00} a month for 20 months. 

They spread it over enough time that when I was just looking at my monthly payments, it looked like I had paid down the principle, so the monthly payment had come down. 

Before making the lump sum payments, I specifically called their customer service representatives and made sure I was following the proper procedures. I indicated the particular loan I was paying towards in the memo field of the check. 

Further, I can pay them monthly through their auto debit system, but to make payments on the principal, I have to mail a check. I have to rely on them looking at the memo section and applying my payment correctly. 

When I discovered this error and got on the customer service line to correct it, they said there was nothing they could do. I even talked to a manager.

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