milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have recently disputed the following account with the credit bureau ( XXXX ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to 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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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 submitted a dispute with Equifax about an incorrectly reported credit card balance and incorrectly reported late payment. I also submitted a complaint to the credit card company itself. Equifax took over 30 days to complete their investigation and during my wait for Equifax the credit card company responded and fixed their error on all three credit bureaus. The credit card company sent me an email apologizing for their error and stated it 's been corrected. I checked the three credit bureaus and it was correct on all three reports. Then today, 30+ days after my initial dispute, I get an email from XXXX saying Equifax has changed my credit score, and I got an email from Equifax saying my dispute results are ready. I went in to the report Equifax provided in the email and they put the incorrect credit balance and incorrect missed payment back on my credit report! This also dropped my credit score over 50 points! I went online to my credit card to make sure something did n't happen that I was unaware of and my statement shows it is still all paid up and XXXX owing right now and it is not late or over the credit limit like Equifax changed it back to! This is absolutely ridiculous that I have to keep going through this with the credit bureaus. This really needs to get fixed quickly and the XXXX card account switched back to the correction that XXXX card services reversed earlier this month! If the credit bureaus do n't stop messing with my credit score unjustly I am going to start a class action lawsuit against them. They will be shut down. They are breaking all of there agreements made to provide better service and they are about to be held accountable for it! If they want to keep their jobs they will start doing the right thing rather than trying to ruin our scores! It 's not fair at all!! I 'm so frustrated! They seem untouchable! We need the governments help to real them in and make it all fair!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Money transfers (Domestic (US) money transfer) with CITIBANK, N.A. (NY).
Issue: Fraud or scam

Complaint: An unkown friend put money into my account. I could not identify the source, the bank took my money. 
The bank does not know where the money came from. 
I want my money back.

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 02-08-2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with Aargon Agency, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A few years ago, I lived at an apartment in XXXX, NJ and used XXXX XXXX XXXX as electric/gas service provider. Upon leaving that apartment in XXXX 2014, I paid the balance owed on my account. A full year later, I received a call from a collection agency stating I had a balance owed which I immediately disputed and requested proof of debt. They never provided me this information and ultimately lifted the collection from my credit report. Now another year later, I noticed a new collection account had been added to my report for the same balance in question to which I disputed with the credit bureau. Keep in mind, this new credit agency never contacted me prior to placing this new collection on my account and has also never provided me proof of any debt that I owe. These companies should not be able to report whatever they wish on one 's credit report without substantiation while giving the consumer no recourse. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX p XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX paid loans from XX/XX/2006 that show eight late payments that need to updated. I was not late. I was actually in school at the time at a new school. I paid these off in full, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (FHA mortgage) with PARKS TITLE COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: To ; XXXX XXXX President, Parks Title Co. XXXX XXXX XXXX XXXX XXXX Attn : Claim Dept XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : COMPLAINT ( PLEASE FORWARD PROOF OF THE SALE TO CFPB ) I file a complaint with your company CFPB # XXXX and it were handled by XXXX XXXX she provided new details from the years XX/XX/XXXX-XX/XX/XXXX then I were told that you were not involved with the transaction at XXXX XXXX XXXX then she indicated you did so conduct the transaction on XXXX XXXX and his daughter XXXX XXXX fronting as his wife on covenant deed. You recently contacted me to file an complaint and informed me to file a complaint with your insurance company listed above and provided claim # MI XXXX, PARKS FILE # XXXX I mailed it out. You recently told me on the phone that no correct XXXX XXXX claim that you conducted the sale but that you done the title work, THATS IT. <P/>I informed you that XXXX XXXX add more fraud in XXXX with Step Forward Michigan a Government Agency and are under investigation complaint XXXX and that the case with XXXX XXXX were published XX/XX/XXXX on reference to a trust account from the risk management dept with the OCC # XXXX and provided you additional documetation, the bottom line XXXX XXXX scammed me out of the house you mail me a letter dated XX/XX/XXXX in the letter you state it was determined that nothing was done wrong in the foreclosure of his mortgage but, with XXXX XXXX there are no legal transaction on record. Please work with the CFPB let it be if XXXX XXXX to XXXX XXXX XXXX got a mortgage or any transaction that taken place that nothing was done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX and Trans Union are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.

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 01/17/2018 about Payday loan, title loan, or personal loan (Installment loan) with Service Finance Holdings, LLC (FL).
Issue: Problem with additional add-on products or services

Complaint: A contract was written on XXXX XXXX, 2017, for various services to be performed by XXXX XXXX XXXX ( State Lic. # XXXX ). Included were Photovoltaic Panels, solar water heater and panel, solar attic fan, insulation, a variable speed pool pump, and 1-time roof remove replace. Also mentioned, was that the inverter would have a wifi monitoring system, and routine maintenance. " We would know if there was a problem with your panels before you did. '' is what we were told by the sales representative. 

We never received a wifi monitoring system, and the company does not monitor the panels like we were informed. 

We attempted to contact XXXX about the 1-time roof remove replace, after hurricane Irma had us file a claim with our homeowner 's insurance. We did not receive a response until we filed a formal complain with the financing companies. 

XXXX is now under the impression that we were requesting the solar panels to be removed, while we get our roof replaced, to which they denied. They stated that the notation on the contract was only for the solar water heater panel to be removed and replaced. 

XXXX offered to replace my roof at a " good price '' to which they would remove the panels and replace them, but I pointed out the 1-time roof remove replace was already included in the contract. 

I informed XXXX that I was seeking counsel for the contract and they stopped speaking with me, and told the finance companies that they would not speak with me any longer, due to seeking assistance from an attorney. 

The contract in question was for {$24000.00}, which included ; blown insulation, solar attic fan, 80 gal solar water heater and panel, a variable speed pool pump, and 1-time roof remove replace. 

I 've made several attempts to resolve directly with XXXX Contracting. I filed a formal dispute with the finance company ( Service Finance ), regarding the contract not being fulfilled. It seems like XXXX is confused or misinformed of what the contract includes, and what the dispute is regarding. I am disputing the installed inverter not having a wifi monitoring system ( which the inverter is fully capable of ), and the removal and replacement of the roof on my home, as noted on the contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Long story short, I was currently in the Indiana hardest hits program when Chase bank put an illegal judgement against me. During my investigation they claimed it was because I defaulted the program so I called to confirm that it was completed and that they did send the XXXX $ dollar check to catch up my patents. It did take all XXXX to catch me up because in addition to my insurance policy At all state they had also been adding a forced placed policy of there own for years. I only had a XXXX day notice to being homeless. I also have the mortgage documents to prove this was an illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from PNC Mortgage on XXXX XXXX, 2015 stating that I needed to provide documentation of an insurance policy that my home owners association holds for the condominium complex. After contacting my HOA and their insurance agent this document was sent on XXXX XXXX, 2015. I received secondary notification of the charges about to be assessed to my mortgage account when they purchase insurance to cover this portion of the property. Upon this notification I contacted PNC to determine if they had received insurance information as requested. They indicated they had not. At this time I called my HOA president and their insurance agent to inquire about proof of insurance. They indicated this had been sent previously via fax ( an option in the request to provide proof ) and offered to send again. I waited a few more days to allow for processing time, and called PNC. Their customer service representative they were still not in receipt of the document. He also indicated that in order to ensure that these documents were received I should instead submit via an online portal. If PNC is not going to accept faxed proof of insurance they should not provide it as an option to submit documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Bank account or service (Savings account) with PNC Bank N.A. (IL).
Issue: Using a debit or ATM card

Complaint: on XXXX/XXXX/2015 I checked my account balance to obtain what I had available. My available balance was {$300.00} I withdraw {$200.00} which left me a remaining balance of {$100.00}. I logged onto pnc.com website to obtain my balance and it stated that I only had {$15.00} out {$100.00}. PNC charged {$81.00} for a unknown fee and when I called to speak with a rep he was unable to specify what was the fee for. I have direct deposit and a total of {$3000.00} deposit from my employer XXXX and child support combine together and PNC NEVER charged me a sevice fee. I asked to speak with a manager since the Representative was unable to assist me. I was on hold for XXXX and no one came to the phone. I 'm disputing those XXXX charges of {$81.00} and {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Carrington Mortgage Services is trying to foreclose on my property by way of assignment and i believe that the assignment is fraudulent and signed by robo signature it was conveyed on X/XX/2017 with fraudulent documents i do not owe Carringing or XXXX XXXX XXXX as trustee of XXXX XXXX XXXX XXXX any money also when XXXX  conveyed the assignment XXXX XXXX was out of business and fraud can not be the basis of securing a deed. I am revoking the power of attorney that they have because i never gave my power of attorney to them and the company that was my attorney in-fact is out of business

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Bank of America XXXX XXXX XXXX Vice President XXXX XXXX continues in her crusade to cause irreparable damage as CFPB stands by and allows the injurious behavior to mount. In addition to denying me fraud protection today XXXX XXXX sabatoged my debit card and did potential damage to my XXXX USD cell phone in the processs. 

While it is difficult to determine whether its simple stupidity or sophisticated manipulation XXXX XXXX is clearly in above her head. Assigned as my day to day contact initially she the quickly moved to get control of my personal finances and then after being denied that access she essentially abandoned me and her fiduciary responsibilities. She is on the verge of facing an investigation into her banking practices in her home state of Florida as this is being written. 

Given her stonewalling and protection of at least XXXX abusive BOA employee XXXX XXXX is setting herself up for quite a judgement day and I therefore again before she does anymore damage to me or her other potential victims I urge the CFPB to open up an investigation in to what exactly is her angle. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you 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 09/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: when i bought this vehicle and good a loan from crystler capital I paid for GAP insurance and that means that the loan would be paid off if something ever happened to the vehicle. and it was totaL LOSS ON XX/XX/XXXX 2016 no regular insurance I have GAP insurance

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: Admittedly, I am behind on my payments. I called to try to discuss what could be done and I was berated and chastised by the manager for not paying my bills. Told me how he just " did n't understand '' me not paying. After I quit taking his calls, because he was so incredibly rude. He began calling me at work. I asked him personally at least four times not to call at work because I could get into trouble for personal calls. I asked XXXX other employees at his branch not to call me at work. I was told I signed paperwork that allowed them to do just that. A work colleague answered the phone and told the branch manager I was unavailable, he said to her, " I know you are XXXX ( that 's me ) and what if I just show up at your work? '' She hung up on him. He called another time and the assistant manager answered and told him I had been fired just to try to stop the harassing phone calls. He then said to her, " I know this is you XXXX. I will just show up at your house now. '' I took a written letter by the branch to withdraw all consent to call my at work. That very day their manager called from a blocked number. My boss had to resort to calling his district manager to stop the work phone calls. They have not called the store since that day. But his words and actions have made me incredibly uncomfortable, scared, and downright angry.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

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