milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In reference to CNAC-TX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Federal student loan servicing) with Firstsource Advantage, LLC (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The university returned a portion of my student aid without informing me until after the term was completed. I was enrolled for a certain number of hours. I was unsuccessful with one class. The university had already received my financial aid package and applied it to fullfill the balance. However, at the end of the term, they returned a portion of the funds because i was not successful in a class. They did not correspond with me prior to doing this or inform me that it would happen.

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
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted XXXX XXXX many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Unauthorized hard Inquiry on credit reports dated XXXX XXXX 2017 No authorization or consent given to this company by customer. 
Investigate and delete immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (FHA mortgage) with ALTERRA GROUP, LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage on XXXX XXXX, 2016. My scheduled closing date was today XXXX XXXX, 2016. The lender has caused me to miss my closing day. I supplied all of the documentation that was requested and still, I have not been told if my loan was ever even approved. I have asked about this numerous times and I get either no response or a " its in underwriting ''. It has been over 4 days now and I am in the dark as is my realtor and the seller. I am in an emergency situation where I must be out of my house by Wednesday XXXX XXXX, 2016 and I have nowhere to go or live. I do not know what else to do. My lender is dragging their feet on this. I know under Equal Credit Opportunity Act that the lender is required to render a credit decision within 30 days of application ( Regulation XXXX ). it has now been going on 60 days and I do not know anything at all. I escalated my concern to the manager, XXXX XXXX, and he told me " you are out of line '' and all I did was post a message on the companies XXXX page which stated " I am not having a good experience and I just need someone to please help me get my loan closed. Please help. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Medical) with Financial Corporation of America (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Federal Poverty Guidelines allow emergency providers to waive the full amount or a % of the bill should a financial hardship be determined that would effect ones ability to pay. All emergency hospitals have a form they give out for the financial hardship waiver to determine eligibility but XXXX did not do this even after my request instead they sent me over to a debt collector and they do n't understand what it is that I 'm saying to dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On XX/XX/XXXX i open an account, the next day i went to deposit more money in my account. My atm card wouldn't work, so i went inside the bank and told them my card want work. The teller check the card and told me the card was close, she told me i haft to call the XXXX number to find out what was going on. I call the XXXX number they told me the account was closed. She say she cant tell me why, she told me to go to the bank and get my funds, i had XXXX dollars in my account. I went back to the bank to get my money, they told me the check will be mail to me.I waited for the money to be mail and then i called them again they told me the money will get to me on Wednesday, i waited the money did not come so i call them again. That when they told me there was account ten years ago with a negative balance and they took my deposit and put it in the old account. They told me the account was written off, i got XXXX XXXX after i open the account, when i XXXX XXXX up there was XXXX XXXX dollars balance, but the teller told me there were different charges on the account. I explain to them i did not do those charges. they told me that there was Nothing they could 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 monetary relief
Consumer complaint received 07/19/2017 about Debt collection (Payday loan debt) with Check Security Associates, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Below is the letter they finally sent me after via email after asking for them to send it by mail which they wo n't do initially. It took the weeks of calling me to finally even send the email. Warner Asset Location Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Phone : XXXX Fax : XXXX XXXXXXXXXXXX Payment Arrangement XX/XX/XXXX Account Information This notice is to inform you that the above referenced debt with XXXX XXXX and all rights and obligations regarding this debt have been assigned Warner Asset Location Services for immediate collection. Warner Asset Location Services has agreed to the payment arrangement below to satisfy your delinquent account with XXXX XXXX. Number of Payments : 1 Payment Date Payment Amount Status Type XX/XX/XXXX $ XXXX PENDING BALANCE IN FULL Once the final payment has cleared, your account will be considered paid in full and reported to the proper credit reporting agencies, where applicable. Furthermore, you will be released of any financial and/or legal obligations pertaining to the above referenced account as well as any remaining balance. If you do not adhere to the terms of this payment plan, your agreement will become null and void and we will continue to exercise all pursuant legal rights and remedies under applicable laws to obtain repayment accordingly. If you have any questions related to the above referenced payment plan, please do not hesitate to us toll free at XXXX XXXX Monday through Friday from XXXX XXXX EST. Please refer to your Account ID as indicated above on all questions and payments. Federal law requires that we notify you that this is an attempt to collect a debt and any information obtained will be used solely for that purpose. Sincerely, Warner Asset Location Services Original Creditor : XXXX XXXX Original Account Number : XXXX Account ID : XXXX Current Balance : $ XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are three items on my credit report that have not been active in over 7.5 years. 
1. XXXX XXXX / XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
2. XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
3. XXXX XXXX XXXX, partial acct # NC, address id # XXXX. According to XXXX themselves in records sent to me XXXX XXXX, 2016 this account is well beyond the the statute of limitations and beyond the time XXXX may report to a credit bureau. They also confirmed via telephone that this is the same XXXX account listed earlier, and that both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are owned, partially owned, or affiliated with XXXX, XXXX. Experian has thus far refused to remove it despite being XXXX inactive for over 7.5 years and a duplicate reporting of the XXXX XXXX / XXXX listed earlier as # XXXX. 

An acceptable solution is for Experian to delete all XXXX of these accounts from my credit report immediately. I have provided all the above information previously and Experian continues to reply that it is insufficient for their investigation despite their own report listing the exact information provided above. Both XXXX and XXXX XXXX are either not reporting or in the case of XXXX have removed the duplicate and aged out 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 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I CHECKED MY CREDIT REPORT YESTERDAY AND FOUND A XXXX CREDIT CARD ON MY ACCOUNT THAT HAD BEEN OPENED IN A DIFFERENT STATE, THATS NOT MINE OR MY ADDRESS. IT IS IN DELINQUENT STATUS AND HAS DROPPED MY CREDIT SCORE CONSIDERABLY. I HAVE NEVER HAD OR SIGNED UP FOR A XXXX CARD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a letter from Complete Payment Recovery Services , Inc. out of Alabama, regarding a debt from XXXX we DO not even KNOW who or what this is. Letter sent out XXXX saying it was a payment to a company we do not even use or ever heard of. Also, an amount we have never paid. We wanted to pass this on if this company is doing this to businesses and are they are not paying attention, it could be a issue. I also do not even use those check numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Dear Sir/Madam, This is the letter of complaint about a loan application through     XXXX   XXXX   We applied for a loan at the end of  XXXX  to buy a condo unit in  XXXX . Mortgage broker  XXXX   XXXX  advised us to apply for the loan as a secondary home, and assured us from the beginning that our application will be approved. Trusting his assurance ; we paid initian fee and started the process. Projected closing date was the end of  XXXX . We were asked for tremendous amount of paperwork and never given the guidance how to prepare it. We enrolled brokers ' supervisor but again without any support. We did not complete the process in time as our phone and emails/text messages never returned timely. Eventually, our application was denied and information was not given directly to us but to our real estate agent. The reason for the denial was that wrong type of loan was applied for. We were told that we should have applied for different type of loan from the beginning. With the fear of loosing our downpayment ; we ended up applying higher rate with higher points, which costed us  XXXX  $ extra money.   If we were told the truth from the beginning and treated timely and professionally we would not go through this misery.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote a letter to Experian on ( XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : 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 ) I received a response letter XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not 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 non-monetary relief
Consumer complaint received 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (NE).
Issue: Loan servicing, payments, escrow account

Complaint: My husband qualified for homestead exemption, and we have tried since XXXX to get Caliber home loans to readjust our mortgage payment. Nothing has happened. Trying to reach these people is horrible. You have to know ahead of time which division you need before calling. Their phone system is confusing and getting to a real person is time consuming. We have spent hours trying to talk to someone. We are paying {$380.00} more than required. Also, my husband likes to send extra money but they wo n't apply it to the mortgage unless it is a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: This complaint is late and for that I am sorry. Back in XX/XX/XXXX XX/XX/XXXX wells fargo opened up a business account without my permission also opened one told me a waiver of fees was on it for a period of time then reneged on its promise which is misrepresentation. I am unaware but need to know if this would fall under the class action suit currently being pursued. It caused me aggravation, loss of time, demoralization and financial heartache. I know the business savings was unauthorized. this was done in XXXX NJ by someone named XXXX. Lies lies lies about fees being waived. No calls returned by district managers in response to mine. My concerns. I want to know what can be done esp since I had ot move my business account to XXXX XXXX XXXX due to the lies. at wells fargo about waiving fees on account I authorized. Savings account I did not. this was in XX/XX/XXXX what can be done?

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

Complaint: Equifax has had a security breech as far as allowing a hacker to access all of my personal information. This violates my rights. Also this can cause a civil lawsuit. I was told that my information was one of the ones to be stolen or given away.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX removed this from all three beaurus and even sent me a letter stating this fact as it was a paid in full account, however it reappeared and was not updated as having at least a {$XXXX} balance. Attached are receipts and communication with XXXX. Despite multiple calls with XXXX agreeing to remove the incorrect information, 60 days later it still appears incorrectly and negatively is impacting my score as a result. The attached receipt shows this was paid in full XX/XX/2016. They also sent a letterhead showing 0 payments owed, 0 lates, etc. But it is reporting as being 1 month late. We are now in XXXX and it is still incorrectly appearing.

Company response to consumer: Closed with explanation