milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.     To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.     It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   #  XXXX  3.  XXXX   XXXX   XXXX   #  XXXX , #  XXXX , #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
4.  XXXX   XXXX   XXXX   #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.
5.  XXXX   XXXX   #  XXXX this account has no contract error please delete never done business with this company.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting docume nts.    XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS

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 05/15/2015 about Mortgage (Other mortgage) with American Lending Solutions, LLC (WI).
Issue: Application, originator, mortgage broker

Complaint: During the month XXXX 2015, I spoke with XXXX XXXX regarding a pre qualification mortgage loan ; before the interview via telephone I asked XXXX XXXX would this application appear in my credit file as a hard inquiry, XXXX XXXX assured me that the pre qualification by law must be labeled as a soft inquiry. In XXXX of 2015, I learned that XXXX XXXX had in fact completed my application as a hard inquiry ; which is not what I requested for him to do! I called into ALS to request that the company remove this inaccurate inquiry due to federal regulations regarding pre qualification mortgage applications, the company executive director XXXX XXXX stated that they would not remove this inquiry despite the fact the they were in federal violation of the mortgage pre qualification statue! I then proceeded to question why my pre qualicifation application had been denied due to a poor score ; according to the XXXX XXXX. XXXX XXXX. XXXX consumers are not to determined creditworthiness based off a poor XXXX score, especially if the actions of negative trade line credit reporting was due to financial difficulties or id theft occurrences. XXXX XXXX stated that her company does not have to comply with this federal statue. This company has currently been under several investigations due to mortgage discrimination, the original loan lender who completed my pre qualification application has been fired due to unethical lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ca n't stop calling about 8 times a day and after  XXXX    XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've complained about this account with XXXX XXXX numerous times with TransUnion. XXXX XXXX told me it was due to a bad check written to the original company ( the XXXX. I explained to them that my business was Incorporated I was not liable my business was of which I 've sent proof of that. Well since the do n't believe me, then I 'll go another way with this.the account is still showing as an open account, and it went over the XXXX year statue of limitations. It was a bad check that only has a statue of limitation of XXXX years. And does n't belong on my credit report.the other XXXX agencies saw the facts and removed this XXXX XXXX XXXX from my records. 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 explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We have tried to work with Wells Fargo Home Loans on an adjustable rate mortgage. 
We had worked with Wells Fargo for over 4 years. Our File was missing from their records for almost a year where no one knew where it was. They have sent us summons and complaints we have submitted answers. 
These are some of the dates we have submitted requested documents : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
After the XX/XX/XXXX submission no one would speak to us because no one knew what happened to our file. When we did get someone they had to speak to someone else. We never received a return our calls. 
No communication about our mortgage until : XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, sent more documents because the others had expired!! 
We waited for a decisions ... ..then it was in underwriting ... ... the underwriter that was assigned was no longer with the company then ... ... ... ... ... ... ... nothing happened in XX/XX/XXXX no response then XX/XX/XXXX a new package was requested We had to wait for underwriting again ... ... ..Nothing XX/XX/XXXX Then XX/XX/XXXX another new package requested. ... .this was by the XXXX person assigned to our account. 
As of XX/XX/XXXX they were still starting over with complete new packages, we had XXXX customer relationship managers. 
XX/XX/XXXX Our loan was transferred to XXXX. We had no idea that e were no longer with Wells Fargo because the person assigned to the account has a complete package and it appeared that we were going to finish. Now with XXXX all of what Wells Fargo said they did not need XXXX is asking for. This has been a long, long journey for us we have been given the run around too many times. We need help!

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 04/29/2015 about Debt collection (Credit card) with Penn Credit Corporation (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named EOS CCA was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of XXXX {$1400.00} XXXX that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: My account with Paypal Credit is past due and received a message from them regarding a payment arrangement offer and to call them by XXXX to accept it. I called earlier this evening on XXXX, the rep put me on hold to speak with a senior rep regarding numerous notes on the account, I was then advised she can not speak with me about anything pertaining to the account as there is a cease and desist notice which I did not place and am not aware of. I previously advised her of the message regarding payment arrangement and if she can not speak with me then any such arrangement is pointless, null and void. Paypal Credit claims to have offered me payment arrangements/plans prior, however, I did not receive them and am not aware of them. I did call in prior to accept such plan ( s ), was told they are all expired. I also advised rep ( s ) earlier today and on prior calls that the orders from an XXXX are fraud, these are jewelry orders which I did not place myself and did not receive. I requested a settlement amount with the rep from earlier this evening but again, she can not speak with me about the account. This is very odd as the message I received prior regarding payment arrangement did not mention anything about a cease and desist, this is totally bogus in my opinion. I called back again and message said they are closed at XXXX XXXX, I believe the rep I spoke with prior made the story up about cease and desist up so as to get me off the phone so she can go home as they are closed.. Please advise Paypal Credit I am at my wits end with them and I will offer them a settlement amount of XXXX, the balance as of now is around XXXX. I believe XXXX is fair considering the orders to XXXX are fraud and run into the thousands. If they will adjust balance to XXXX I will make XXXX last call to discuss payment arrangements. If they do not accept then that is their loss, a prior collection agency referred the account back to them due to fraud charges and my unsuccessful attempts at making payment arrangements directly. Having said this, you would think Paypal Credit would be more cooperative in this matter. In closing, please advise them of my offer of XXXX settlement and payment arrangement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with Harvard Collections, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX XX/XX/2015, I received an alert that a new entry had been made on my credit reports by XXXX XXXX for over {$7000.00}. When I viewed my report, it only said that the original creditor was XXXX XXXX, but no additional information. Through the credit reporting agencies, I asked to verify the information. 

Additionally, I researched the company online and located several numbers that either had recordings ( I left messages ) or no answer. I located only XXXX email address and sent an email requesting a copy of the original bill. None ever was received and I had no contact from them. 

In XXXX, I contacted the Better Business Bureau. They received a response form XXXX XXXX saying that they would contact the original creditor for the bill and forward it to me. It has been over a month since then, and I 've received nothing. 

To date, I still have no idea what this debt is, when it originated, nor who it is from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a judgement on my credit report for a judgement to be removed. I even provided official court documents saying that the judgement had been set aside and that I am dismissed from the case. Equifax sent me an email saying that the dispute is complete and that they already have it marked as satisfied on my credit report. Even though my documents from the court set aside the judgement they refuse to remove it from my credit report because the papers have an electronic judge signature instead of handwritten one. Equifax said they can not use electronic signatures and the courthouse said electronic signatures is what every judge uses in the state of Utah now according to code. I want this removed from my credit repoerts Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: trying to log in to my bank for almost week. I called 3 times and get the same XXXX XXXX people are aware of the problem, and they are working on it.. I need to get in to my accounts. I have to pay bills etc. I do not think that their issues should affect me..

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to get something on my credit report verified  three times now. After zero response to my first inquiry through the credit bureaus from the creditor, I sent the letter attached to the creditor. I have been asking for clarific ation on  XXXX  different account numbers. In respo nse Wakefield respond ed to only  XXXX  ( but i am not sure which it is as the account number does not match what i have on my records. ) The response attached has me seeing a physician at a place i do n't recall being at. I think that this is an error. I 'm incredibly frustrated by the amount of time this is taking on my part.I am asking, and asking for clarification and verifcation and i am being ignored. This is affecting my getting a mortgage and this is NO T RIGHT. I should not have to ask the SAME question more than once. I never received a bill for this or a statement and to find it causing major harm to my credit score i s incredibly upsetting. I should be able to receive verifiable information that this debt does indeed belong to me and not to someone else. If this information does not exist. then this debt needs to be deleted. immediatly.

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 03/26/2018 about Payday loan, title loan, or personal loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX a debt was paid in the amount of {$530.00}, payment receipt # XXXX to XXXX XXXX XXXX, XXXX. A representative of XXXX XXXX advised that the updated information will be updated with bureaus within 14 days. As of this day, XX/XX/XXXX bureaus are still reporting incorrect information. I called XXXX XXXX again this date and no one was able to advised me if the information has been updated. NOTE : My checking acct shows payment withdrawn in the amount of {$530.00} on the XX/XX/XXXX. 
The use of credit is updated within hours on reports, it should also update within hours when repairing, repaying, or logging incorrect information complaints with creditors.

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 01/18/2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a new vehicle, and utilized Bank of America for financing. Upon getting my account information, I set up an Automatic Payment utilizing their Online BillPay functionality, in order to make sure all my payments were received on time. Yesterday, I received a Certified Letter that the account was delinquent, and they would be attempting repossession if not brought current. Though my conversation with their collection department, it was learned that BofA has been applying my payments for my car loan to my credit card, which had a zero balance, and now has a credit of well over {$1000.00}. I have attempted to correct with their online support team on the phone, who has transferred me to multiple departments, none of which appear capable of correcting the issue. When on the call with their last representative, when I explained the situation again, and he still could n't understand the problem, I asked to speak to a supervisor. Their Customer Service Representative then hung up on me. At this point, I still have been unable to have a CSR correct any issues, including the fact that they have reported my payments as late to the credit bureaus, impacting my Credit History.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been informed that my personal data was compromised by the Equifax breach in the summer of 2017. I assert that this breach was a combination of the lack of proper security controls ( initial breach ), the lack of sufficient security response ( duration of breach ), and the lack of transparency ( duration between knowledge of breach and notification of potentially impacted individuals ). While I have yet to  verify any loss, I will now incur charges due to putting in place credit freezes, credit monitoring, and am exposed to the potential of income tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Consumer Financial Protection Bureau and Wells Fargo Bank, RE : Account/loan number XXXX We are respectfully requesting further assistance with our Wells Fargo Bank mortgage and a possibility of a reverse mortgage.. We are seniors, have lived at XXXX XXXX XXXX, XXXX XXXX, California since XXXX, and request that we may continue to live at the home until our deaths. On XXXX XXXX, XXXX, I will be age XXXX and will meet XXXX qualification for a reverse mortgage. My XXXX brother, XXXX XXXX, is age XXXX, and has lived in the home since XXXX. My XXXX uncle, XXXX XXXX, age XXXX, and brother of XXXX XXXX, has lived at the home since XX/XX/XXXX. I am their payee and their caretaker. 
According to the Wells Fargo XXXX XXXX, XXXX response letter, the company was unable to offer payment assistance due to the NPV or net present value of XXXX XXXX XXXX. Basically the property has equity of appproximately {$250000.00}. The current value is approximately {$850000.00} and the mortgage is approximately {$600000.00}. Therefore, I may qualify for a reverse mortgage or some related assistance. 
In XX/XX/XXXX, our parents gave us a home located at XXXX XXXX XXXX, XXXX XXXX, California and currently the value is approximately {$900000.00}. There is no mortgage and my sister, XXXX XXXX, is a co-owner. She and her family currently live in the property. It is our hope that we may also use this property and of XXXX for a reverse mortgage Most important to this request is a postponement of the XXXX XXXX, XXXX, trustee 's sale date. We are hopeful that Wells Fargo will assist us with the reverse mortgage and allow us to keep our XXXX home. Thank you for any help and consideration you may give us. 

Sincerely, 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 explanation
Consumer complaint received 06/20/2017 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: I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, XXXX. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.

Company response to consumer: Closed with explanation