milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however Equifax, XXXX, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with Performant Financial Corporation (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Performant Recovery Inc. stating they were a private collection firm contracted by the U.S. Department of the Treasury, XXXX XXXX XXXX to collect a delinquent balance owed to Dept of Health Human Services for {$1300.00}. 

I have received no prior communication from any government agency that I owed this money and after several requests for details from this company no information is provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Experian to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.

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 10/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off our mortgage loan with Nationstar Mortgage on XX/XX/2016 and overpaid by {$190.00} in interest. As of XX/XX/2016, still no word and no refund check from Nationstar. 

Now imagine being late on your mortgage payment.

Company response to consumer: Closed
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Citibank would not accept a cash deposit of {$1000.00} on XXXX XXXX, 2017 to my sisters account in spite of my having her deposit slip with her account. She has been hospitalized the last 4 months. I was advised they do not accept cash deposit if depositor does not have an account with the bank. I was told to get a money order to accomplish the deposit.

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 12-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I tried to get a loan modification from B of A. 
They said they would not modify or refinance. 
I tried XXXX mortgage companies for a new loanbut they all said that due to dodd frank I couldnot qualify because I did not have enough incomein XX/XX/XXXX and XX/XX/XXXX. I contacted consumer financialprotection agency and they were no help. 
my house is worth {$1.00} XXXX and I only owe {$380000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with CONSUMER PORTFOLIO SERVICES, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like to dispute the account that  Consumer Portfolio Services  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus fo r Consumer Portfolio as  100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681. T his account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to cont act Consumer Portfolio.    Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX/XXXX/17 Filed a security freeze with Equifax - have since found out my PIN is the time stamp of the filing - trying to change the PIN however unable to access the call center. No announcement that the firm is mailing out new PINs, which I 've already received from the other two credit reporting Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a statement from my mortgage company saying I did n't owe any money for XX/XX/XXXX. I followed up with a phone call and was told that in fact I did not owe anything for the XX/XX/XXXX payment. 
Three weeks ago I started receiving phone calls from the mortgage company and I told them if they has an issue with me they needed to send a written statement to my home. 
Now they are saying that I do owe for XX/XX/XXXX because they made a mistake. I said I would be happy to pay as soon as I get a written explanation of the error and a written bill for the missing payment. They refuse to do so. 
They are threatening to send me to collections. 
Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My  XXXX   XXXX   XXXX  son died on  XXXX  's  XXXX  last year.  Phoenix Financial LLC Keep s calling my personal cell phone to collect a debt that my dead son owes. I have repeatedly asked them to stop calling me, that  XXXX  is dead and it is extreamly upsetting to be reminded of his death every time they call. Also, when they call asking for him, I ask who they are and they wo n't tell me, but it 's the same number every time. I had to call back after they kept hanging up on me after inquiring their information. I finally got their name and address.   This is not my bill. My son was  XXXX   XXXX   XXXX  and had   XXXX   XXXX  . He had many financial problems due to his  XXXX . He died at home on hospice in my arms. I suffer from  XXXX  because of his traumatic death.   Please, please make them stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: all XXXX credit reporting agency, XXXX, Trans Union , & XXXX is reporting unauthorized inquries on my report and duplicates. disputed with companies and no response or validation

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 09/15/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has fail to delete wrong information on my report, such as personal and accounts with recent payment that have been close. Fail to provide me with proper documentation of negative collection accounts on my report. also they are taking more than 45 days to provide me with mail in results of my disputes.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Regarding this closed compaint. XXXX about TRANSUNION 1 ) Tried to submit feedback via the link provided on your site and can not load the page. Page doesnt work and times out loading the submit feedback page <<< 2 ) Transunion responded they remove records from a credit report greater than 10 years of being reported closed, even for accounts in good standing. As such some of my accounts that were greater than 30 + years old were removed from my history, thus removing any evidence of my long standing good credit history. As such my oldest age possible account according to Transunion reporting practices is now limited to 10 years. FICO uses ones oldest accounts along with newest accounts to calculate an overall average credit age and a longest standing account age where both factor into your overall Average age of accounts that makes up of 15 % of a FICO score. This is an unfair reporting practice, particularly obvious for someone in my situation, because I used no credit during the last ten years. A competing credit reporting agency still has my credit historical records listed and my scores are much better. So either FICO should change their scoring models to be more adequate to consumers or Transunion should not be allowed to change your average age calculations by removing older, in good standing credit records from your 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 explanation
Consumer complaint received 08/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Billing disputes

Complaint: used Bank of America to pay dentist bill, however, dentist overcharged per the contract with dental insurance and Bank of America would not help -- -they helped dentist commit fraud. Then, after many unsuccessful and aggravating phone calls with Bank of America, they actually had a collection agency call me BEFORE the payment was even due. There was NEVER anything past due on my account. I had already closed my credit card account and I still get solicitations to borrow money. Thank goodness I had no other dealings with Bank of America other than a credit card. I am disgusted both by the dentist that did this, never responded to my direct contact and even more disgusted with Bank of America 's handling -- or should I say mis-handling of the whole thing. Good riddance to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: APR or interest rate

Complaint: This concerns AT & T Universal credit card, which is a Citibank product. I have had an account for years with them. I pay my credit card by accessing their website and scheduling a payment to be deducted from my bank account, after I receive my statement. I annotate my ( electronic ) checkbook register as to the date I schedule the payment, which is shown in the register to be paid on the due date. My payment history shows a late payment here and there over the last five years. It also shows that the allegedly late payment is made immediately upon notice the payment is late. I have been perplexed by this as I am vigilant about credit card payments and do NOT have this issue with the numerous other credit card vendors with whom I do business. Based on this week 's recurrence, I now believe that Citibank deliberately but randomly fails to pull the scheduled payment to support its decision to maintain a default interest rate on the account. Up until today, I had not had a defaulted payment in a year and a half. I have been demanding a reduction in the interest rate ( it sat at 28.99 % after ONE day-late payment in 2012 for months, and has failed to drop below 25.74 % since then. I will upload the complaint I filed THIS WEEK with Citibank before this latest stunt. I can not help but believe they are doing this to consumers everywhere, as it is very hard to catch them at it. I have been blaming myself for inattentiveness for years but am now convinced that they have a deliberate policy in place. Also attached is a snapshot of my chat with them this morning. After my last comment, I received absolutely no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Company is sending me a collection notice from an closed account from 2003. Statue of limitation in the State of California has been more than 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I had a business checking account at US bank. I applied for a merchant processing service through XXXX XXXX XXXX, connected to this bank account. I did not use or activate this merchant processing account. However US bank allowed them to take money from the account. At first it was {$43.00}. I then paid US Bank to block any further charges from this company. The merchant services company then came into the account under a different name and took {$490.00} which overdrew the account by $ XXXX. The bank then added fees on top of fees. The result was that the account was closed and charged off because I would not pay for this unauthorized charge. The bank should never have let such a charge go through when there was almost no balance in the 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 explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A collection of {$390.00} was removed from my credit report by XXXX XXXX on XXXX XXXX, XXXX. Now a year later there is another collection for the same amount but from a different creditor on my credit report reported XXXX XXXX XXXX. It appears the creditor STELLAR RECOVERY INC has put it on my credit report without me being informed to give me my right to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to XXXX, XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Consumer Loan (Vehicle loan) with SECURITY FINANCE CORP (FL).
Issue: Managing the loan or lease

Complaint: I have an auto loan with PFS financial XXXX. My loan term is 42 months, my payments are {$350.00} a month. I pay my payments monthly and noticed my balance keeps going up and now down. I did fall behind a few payments here an there. A woman from PSF financial came to my job threating me for payment and nonstop phone calls requiring payment. I check my payments to be on XXXX on a monthly basis. I recently checked my car payments to be posted on XXXX and noticed my monthly rate is now {$480.00}! I never received notice of this and am totally unaware as to why its now {$480.00} and not {$350.00} like it is in my contract. Attached are copies of amounts I been paying as of XXXX 2016 until current. On XXXX, it shows I did not miss any payments so I do not understand how my monthly payment when up, especially without my knowledge.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 disputed these accounts multiple times with experain and XXXX XXXX. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what XXXX XXXX has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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