milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been writing and disputing several accounts on my credit report since XX/XX/2016 due to me being a victim of identity theft.. Equifax refused to delete this account from my report. I provided a police report and a report from FTC and all notorized documents. I 've contacted the creditors as well and provided them reports and these accounts were deleted by the other bureaus but not from Equifax. The send the same letters back asking for my identification during each dispute which they already have on file with I believe that is to hinder my ability to have these accounts removed. I am frustrated and completely furious about how I am being mistreated. This is the same company that betrayed the consumers and refused to tell us about the breach of information so they can not be trusted in my eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account is schedule to come off my Equifax credit report XXXX 2016 and Equifax refuses to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Credit card debt) with O and L Law Group, P.L. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on X/X/2003. My employer was recently served a writ of garnishment from XXXX XXXX XXXX, on behalf of XXXX XXXX, who is supposedly collecting the debt for XXXX. The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time XX/XX/XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any XXXX and have been a Customer who has always paid on time for XXXX or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home XX/XX/XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the XXXX was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over XXXX times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day XXXX. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service XXXX, XXXX informed me they contacted XXXX and Equifax to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to XXXX more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my XXXX XXXX, XXXX  and Experian credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 11/21/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: Our Loan has sold a few times, Now trying to do a loan mod we see that our loan is almost XXXX grand Higher, and we have missed something in the process of Fees. Seterus, now Has our loan an can not explain what happened. We are now trying to take Part of what they deferred and put our loan back together. So many people got help, but we are stuck with a high interest rate, owning a home since 2006 upside down, willing to keep our loan/ home, but did recently file BK, Is there anyone who can help us get a good loan? and who tells us why our Home that we bought for XXXX, ( top of the Market ) putting our life saving down of {$110.00} down, to owe {$330.00}, is now {$370000.00}. Home is worth about {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I tried to get XXXX service, after they came to try and install nothing was working and we were told we needed someone to come out to do additional wiring. The day they were supposed to come nobody came so I called and was told someone would come the next week but they did n't show up either. Then I called back and was told I have to wait till the Spring for ground work or something. I called again and they finally got someone to come out. The technician came and said I can not have XXXX service because the signal was too weak in my condo unit. I was told either I have a new wire run ( more holes drilled into building ) or I use their legacy service. Well my landlord will not allow any more holes so I decided to stay with XXXX and not XXXX and closed my account. They told me my bill would be adjusted once I returned the boxes and remotes. I returned the equipment and was still billed for internet and cable TV service. I 've called 5 times to have the bill adjusted and I went IN PERSON to the XXXX office. I even got the name of an employee who said to follow up with him in email. He replied and said he was still trying and has not since returned ANY of my messages. The bill is in collections and the collection agency wo n't drop the bill unless XXXX tells them to. {$770.00} and it 's lowered my score quite a bit since it 's not very old. I need this removed ASAP what can I do?

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 11-03-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance through Freedom Mortgage on XXXX/XXXX/16 and did not receive a request for needed documents until XXXX/XXXX/16. I then sent the documents requested to them by e-mail on XXXX/XXXX/16. I e-mailed them on XXXX/XXXX/16 because I had not heard anything and they let me know my appraisal would take place on XXXX/XXXX/16. On XX/XX/2016 I was informed by e-mail that they needed me to re-send the documents I had already sent ( they were identical and not changed in anyway ). I was then asked to send the same documents again on XXXX/XXXX/16. On XXXX/XXXX/16 I was asked to sign an additional document and returned it the same day. On XXXX/XXXX/16 I informed them by e-mail that I would be filing a complaint as I still had not heard anything on my loan. I received a phone call letting me know the loan was in underwriting and they would contact me. On XXXX/XXXX/16 I received an e-mail requesting updated information that I sent to them the same day. I have been told my loan is still in underwriting. Are there rules as to the time frame in which they need to be responding to me or a time frame for the underwriting process. This has really been a nightmare. They keep asking for the exact same things. They have contacted my employer multiple times and my employer informs me they keep asking the exact same questions. I would really just like to get the loan closed. Is there anyway you can please, please help me?

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 09/30/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They keep calling me and asking for somebody else who is y father I keep telling them they have the wrong number and still call me and leave me voicemails then they call other numbers looking for h dad and telling them they are going to take legal action they also call other family members which is not right this XXXX XXXX is calling and will call my uncles house!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I received a mail offer from big picture loans, I applied with the approval code XXXXXXXXXXXX, and was approved for XXXX right away. a representative called me right away and told me that the loan would total XXXX with interest, when i said I was not interested he told me they could lower the cost to XXXX, I agreed and after a few more questions I received my funds in my bank the next business day. I started making payments of XXXX bi-weekly on XXXX/XXXX/16, decided to check my loan online to see how much more was owed and was shocked. I see that everything the representative have stated was untrue and that my loan of XXXX would end up costing XXXX and would not be paid off for several years. the interest rate of this loan of 574.7076 %. The " truth of lending disclosure was not disclosed to me until after the loan had been processed and funds were delivered to my bank account. I am struggling to pay my bills and XXXX a month out of my paycheck with nothing going towards the original loan is really making it impossible to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is a continuation of my OCWEN nightmare. The situation is self explanatory when you read the attachments and all the complaints I have submitted over the past year. 
See Attachments:1. OCWEN letter with application to re-apply for a mortgage modification. XXXX/XXXX/15. 
2. OCWEN PRE-FORECLOSURE NOTICE ( the day after - XXXX/XXXX/15 ). 
3. OCWEN decision letter of denial of modification because the mortgage investors DO NOT PARTICIPATE IN HAMP OR ANY OTHER GOVT. MODIFICATION PROGRAMS. 

I have submitted a modification application XXXX now with the same answer - they do n't particpate! Yesterday OCWEN asked me if I wanted to apply again ( a XXXX TIME ). This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Delinquent account

Complaint: I have bought {$16.00} and XXXX cents worth of merchandise from Kohls using Kohls charge on XX/XX/XXXX. As I did not get any statement for few days so I went online of XX/XX/XXXX and paid the balance on my account for same day as I learned in website that my due date is XX/XX/XXXX. But I do n't know if it was my or systems mistake that my payment got schedule for XX/XX/XXXX instead of XX/XX/XXXX same day. 

On XX/XX/XXXX I got a call from Kohls charge that I have XXXX dollars balance on my Kohl 's charge. I paid the balance and I learned that I have been reported 30 days delinquent. My complaint is that I did not get any notification that I am late or they did not get payment on time before reporting me late to bureau. I have an impeccable record of paying on time for last 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Payday loan debt) with Frontline Asset Strategies, LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received multiple letters/phone calls from Frontline Asset Strategies , LLC, trying to attempt a debt. Requested a notarized debt validation letter between self and Frontline Asset Strategies , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attend XXXX that became XXXX school over the course of the years. While attending another school my payments were never frozen due to being in school. I was accumulating interest and my late fees were being reported late on my credit report. My school credits were n't accredited credits. I 've called Navient and was misinformed about repayments options. I 've emailed Navient to informed them that my school is closed and no longer operating

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has my loans in a rate reduction program with an automatic payment every month on a due date I chose per their prompting, XX/XX/XXXX. I noticed that the " Due Date '' in Navient 's system is different than the Due Date set up for the program, they have XXXX listed, so I called and the person I spoke with told me it was an error in their system so she allegedly reset the Due Date to the correct date and refunded the late fees accrued by this situation. 
The next month I noticed the payment had not come out of my account around XX/XX/XXXX so I called Navient to inquire why and they explained someone had erroneously set the due date to XX/XX/XXXX so the person I spoke to made the payment immediately and assured me they fixed all future Due Dates to XX/XX/XXXX. They also assured me there are no late fees currently on my account. 
To date the Due Date has not been fixed and still shows XX/XX/XXXX with the message showing " You could be charged a late fee. '' as well as the fact that there are still many, many late fees still assessed on my account despite the fact that I have paid every month on XX/XX/XXXX which is the Due Date for my payments. 
I have made every attempt and have stayed dilligent monitoring this to ensure the issues are fixed and they have not been fixed despite the fact that every month when I call I am consistently told the Due Date and Late Fee issues are fixed. 
This is affecting my credit and has become extremely frustrating at this point - I need these issues to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: APR or interest rate

Complaint: I was being fraudulently charged for a gym membership that I had cancelled over 1-year ago. Throughout this year of additional charges, I had called Chase 6 different times to explain that I needed them to block the fraudulent gym membership charges from going through on my credit card. Chase failed to block these charges. As a result, I reported this to the CFPB. When Chase found out I had reported them to the CFPB for failing to protect me as a consumer, they raised the interest rates on my credit cards as retaliation. I just got a notice this week saying my interest rates went up. Chase provided no legitimate reason for raising my interest rates ; the company did this solely to punish me for reporting their previous behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2017 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them

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 02/26/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do owe the following debt collectors ( XXXX XXXX, XXXX XXXX ) nor was I ever contractual obligated to them. Once a debt has been bought, paid and/ or charged off, then it's no longer a debt, it's been sold and paid for. And with any contacts once the contract been sold, the original contract becomes void.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 've been given false representation of XXXX I 've made several attempts too have removed from my credit report a debt for National Credit Systems for a balance of XXXX I 've made attempts to contact XXXX XXXX and I 've been told that I could n't speak too any representative /manager because they no longer handle the debt any longer to call XXXX XXXX XXXX And associates who 's constantly told me they have n't recieved any supporting documents I 've give documents too all 3 parties and have been given the run around XXXX are no longer an existing bussines I 've spoken with Managment who states company is no longer opperating but will adjust the balance how they see fit being XXXX Now my issue is upon leaving XXXX the only balance was XXXX after deductions which was brought too court XXXX 2015 and Dismissed with XXXX balance National Credit Systems can no longer Collect in a debt for a non existing company also the matter was Dismised and documents where proving in support and ignored by XXXX.

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 explanation