milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against Experian, XXXX and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,

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 08-05-2015 about Debt collection (Medical) with LJ Ross Associates (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have an acct from this company that is not mine its fradulent and reporting on my credit file and is in collections that needs to be removed

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: On X/X/2017, I went on www.equifaxsecurity2017.com. I was notified that I may been impacted by the recent hacking incident to Equifax. I am aware that hackers might have my Social Security number, my birth date, my address, and my drivers license numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Lvnv funding , LLC. is reporting a debt on my credit report I have disputed with not only the reportimg agency but also with another debt collecting agency named XXXX, XXXX XXXX, XXXX XXXX have now filed a small claims suit over this debt against me, after numerous threats. LVNV Funding , LLC has not validated nor verified that I owe this debt. I have no recollection of ever having this debt or owning this account. This debt has also been re-aged on my credit report. I have belief that this an illegal tactic between LVNV Funding LLC AND XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Toyota Financial Services ( TFS ) allows its customers to pay online or by phone. I have repeatedly made payments online since I obtained this account. The website even allows you to set up dates for future payments or payment arrangements. My complaint : once a payment date is selected, TFS continues to repeatedly call my phone -- every day and every hour on the hour! I receive email documentation that the payment arrangement has been made and I can even see online that it is in progress or pending, yet these idiots keep calling me repeatedly -- even when I tell them that a payment has already been set up or arranged online. Then the representative responds -- '' let me check the system to see. '' Duh??? Well, they should be checking BEFORE they dial my number!!!! This is happening EVERY DAY and EVERY SINGLE MONTH and I want it to STOP! The PAYMENT HAS NEVER BEEN 30 DAYS LATE, so technically, TFS is not even in a position to report it to a credit bureau as such, so I do n't know why they can not update their payment and calling systems and stop calling customers to death -- particularly after a payment or payment arrangements have been made!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is a formal complaint and request for an immediate cancellation of the schedule foreclosure sale date on my property. I am asking for your protection intervention and investigation on this egregious matter. XXXX mortgage C/O PHH Mortgage services have acted in bad faith, every time I have submitted a Loan Modification Application I have been given notice of sale notices and I have been told that my application will not be reviewed. These fake debt collectors, have not verified with my consumer request and validation notice file with the XXXX county clerk 's Office on XXXX XXXX, 2016. XXXX mortgage C/O PHH Mortgage services failed to validate the alleged debt with the original creditors with true and certify signed original contract, and through audit certification of debt entry in accordance with XXXX, and XXXX. Not to mentioned that the debt was paid in full once the 60 days of default of payment The PMI paid the total balance, and in each assignment of mortgage thereafter money was being circulating supported of my signature, also with the government plan bail out ... .which supposedly was design to help home owners ... ... and XXXX mortgage C/O PHH Mortgage services after all this monies received on my signature wants to sell my home??? Outrageous PLEASE HELP ME STOP THE SALE OF MY HOME!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: bank of america and XXXX XXXX  XXXX violation of my right reporting inaccurate info and not letting me into my online bank account

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 06-03-2016 about Mortgage (Conventional fixed mortgage) with LEADER ONE FINANCIAL CORPORATION (CA).
Issue: Credit decision / Underwriting

Complaint: I purchased a home in XXXX and moved out of it in XXXX. It has been a rental since XXXX. I have applied with 5 lenders for a refinance since XXXX. All mortgage lenders have confirmed value of house is {$200000.00} and payoff balance is {$78000.00}. I have been denied a loan five times because I do not have 6 months worth of monthly house payments in a seasoned bank account. I have been told there are " government guidelines which require the 6 months reserves ''. I was denied a modification by my current lender because they are a servicing company and because my payments are current, house is worth {$200000.00}, and has rental value of {$1400.00} and I receive $ XXXX monthly income from tenants who have lived in the house since XXXX. There was a " balloon '' payment due XXXX/XXXX/XXXX. 
My mortgage company has notified they will forebear any foreclosure as long as I continue making the house payments. 
Can you provide me the name, address and telephone number of the government agency who can verify if this guideline only applies to a new purchase and not to a home i purchased 39 years ago. Please provide me with all pertinent information as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Private student loan debt) with AES/PHEAA (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a timely payment on a student loan, and AES threatened that the payment was past due. I received confirmation from AES that the payment was timely. I want my timely payment acknowledged. I want AES to stop harassing me. I want an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: i applied for credit with XXXX/XXXX XXXX. I received a letter in the mail asking me to contact them to verify my idenity which i did. They ask me a serious of questions. I answered the questions correctly according to my life today. Receive a letter in the mail a few weeks later telling me that i was declined base on the fact that my identity could not be verified. Called the bank which issues the credi card, to ask the reason why and they told me that one of the questions was not asnwered correctly. Ask them what question, they did not know and referred me to XXXX to answer the question. Called XXXX and they said they did not give the bank the security question and it came from public records, They had no idea how i could update the pulic records that the question are coming from. XXXX suggested i call XXXX and XXXX and they gave the same simliar answer. 
I am being deined credit based on inaccurate information coming from security questions from some public records file which is inaccurate. 
Which no one is telling me how to update. Why should they evening be using this. The answers given to security questions are inaccurate and outdated, my credit is affected. I was told to update the information by XXXX XXXX and no one can tell me where this information is coming from and how to update, they dont even know. Is this legal for them to do this ... ... 
Could you please investigate. I should not be denied credit based on information coming from public records. Who keeps these records updated, where is the information coming from thats put in these public records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is showing debts in collection but nit the debt collectors name. I have no way to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Debt collection (I do not know) with Dyck-O'Neal, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: after being sent the security note paid in full the bank refuses to give full disclosure on all accounts being dispersed from including what is known as XXXX XXXX XXXX XXXX aka XXXX XXXX roadroad. this was provided in the recent communications with XXXX XXXX XXXX of the funds used to pay for XXXX XXXX XXXX XXXX XXXX Washington XXXX, financial responsibility is to the lender for acceptance of the funds withheld and transferred and fraud {$130000.00}, based on the acceptance of this one Wells Fargo home mortgage and Wells Fargo are 100 % liable for this bonded transaction secured by the indebtness in trust by and through Wells FargoFargo as an example this has happened numerous times to XXXX XXXX and the bank is aware that 's were the disbursement of funds took place a cover up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXXXXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Services, Not Elsewhere XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
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: I was contacted by XXXX on XXXX/XXXX/XXXX concerning charges that they identified as potentially fraudulent in the amounts of {$59.00} and {$400.00} and I confirmed that these were, in fact, fraudulent. They closed the account and I thought that would be the end of it. A couple of weeks later I went in to find that the charges were in fact still there and I was told that I needed to contact the fraud department to get them removed. I did this twice -- only after the second time did they send me the necessary paperwork to remove these charges. I returned the paperwork and checked back a week later to find that not only have the charges not been credited but that they had erroneously CHARGED me for the amount that should have been credited. Additionally, the date of the charge had been backdated as this had n't been processed until at least the second week of XXXX but the charge was datedXX/XX/XXXX. This left me now with an outstanding balance of {$910.00} -- double the amount of the original fraud -- with the second charge having a fraudulent date of XX/XX/XXXX entered by XXXX XXXX. 

I discovered the error on Monday, XX/XX/XXXX and called and after speaking to three people on that call was told that the matter would be resolved immediately and I should see the charges gone by the next day. It is now Friday, four business days later and it is still not resolved. When I called, it appeared that it was n't resolved on Monday and that I needed to speak to the fraud department again. At this point, I have spent close to 4 hours not only attempting to resolve the original fraudulent charges but also the erroneous and fraudulently dated double charge from XXXX. At the time that I am writing this, the issue has not yet been resolved. 

There has been no good faith effort on their part to resolve the issue and if I were n't someone who frequently checks their accounts, this easily could have resulted in additional penalties. While I understand that errors do occur, their lack of effort regarding resolving the issue that they created is my primary complaint. I have had other cards fraudulently charged and the issue remedied in 24 hours. We have now gone over a month and not only has n't the original problem been solved but I was then fraudulently charged ( not just in error as it was also falsely backdated ). I was told today that this should now be resolved and I will check again next week but wanted to ensure in the meantime that a ) no one else would have to go through this, b ) be refunded the full amount of my annual fee of {$150.00}, and c ) receive payment from XXXX in the amount of {$380.00} ( my billable rate of $ XXXXhr x 4.5 hours the time spent resolving this ) at MINIMUM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This reverts back to a complaint from XXXX XXXX Case number : XXXX related to the settlement from a law suit with the federal government giving us up to a 41 % principle reduction Modification opportunity in which XXXX explained where the income they used to process our Modification of XXXX XXXX, that income information was provided by us back in XXXX. Since then my wife was forced to changed jobs as I was and our income was negatively impacted plus, the Social Security income they used was inaccurate by over a thousand dollars too high. This income for the XXXX 41 % principle reduction Modification was not provided by us in XXXX it was transferred from a XXXX Modification we had applied for. The reason we did not respond back to CFPB when we received XXXX 's response was, XXXX told us they would consider us for that 41 % principle reduction opportunity. We then started sending the required documentation and were at the final piece of documentation necessary to complete the package for review when XXXX sold our loan to Shell Point servicing a division of New Penn Financial, LLC effective XXXX/XXXX/XXXX. When we received that notice we attempted to get that final documentation sent to XXXX XXXX at XXXX, 3 times with no response from him or XXXX. Then on XXXX/XXXX/XXXX there is a Notice of Trustee Sale filed against our home at the XXXX XXXX XXXX XXXX Office with a scheduled sale date of XXXX/XXXX/XXXX by XXXX with the recorded copy mailed to XXXX XXXX in XXXX XXXX. Since the mortgage has been sold I have attempted to reach XXXX XXXX on XXXX different occasions with no call backs. ( I got the contact number on my own from searching on line! ) I have not gotten anything in the mail from them. On my first call I did get the loan number ( XXXX ) and I was told there is a sale date of XXXX/XXXX/XXXX in the file and that the loan was discharged in Bankruptcy, from the person answering/directing the calls, which is not true ... ..Only my wife filed Bankruptcy ... ..I did not file, she had personal financial issues she needed to resolve. We have not received a denial letter related to the Modification with XXXX, that was almost completed or anything except a Notice of Trustee Sale. We want to save our home and that 41 % Principle Reduction opportunity gave us that chance and now appears gone as is 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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 have been disputing an account on my credit report by   XXXX   XXXX  . They are reporting an account from   XXXX   XXXX   that was opened in  XXXX . They are currently reporting that the account was opened in   XXXX   which is wrong. Neither company is able to verify the account.   XXXX   XXXX   sent me a letter stating that they do n't have the documents 8n which if they do n't have any documents with my signature   XXXX   XXXX   does not either. I 've disputed this with Transunion and transunion claim they verified the account as being reported correctly. That 's impossible if the original creditor is unable to validate the account with documents. I 've attached a letter from   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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with fraud alerts or security freezes

Complaint: In the wake of a massive data hack, equifax is offering limp consumer protections for free while charging high rates for actually effective tools, like credit report freezing. Currently they are charging triple the rate that XXXX charges for a freeze. They are overtly profiteering off of their own grievous negligence.

Company response to consumer: Closed with explanation