milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried several times to talk with American Adjustment Bureau about charges from XXXX Hospital. These are NOT my debts. Now I looked at my credit reports and see I have charges from XXXX XXXX Hospital too. These are NOT my debts. These belong to a person with the same name as me. They removed them from my credit report but they have reappeared. I do NOT no what else to do. XXXX Hospital and XXXX XXXX, anything to do with XXXX XXXX are not MY debts. I want them removed from all 3 of my credit reports. I am going to continue my search on where to report this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Other

Complaint: i received a call from a XXXX telling me he was with XXXX.he proceeded to tell me he could set up an llc and file all necessary paperwork with both the state and irs.the company and XXXX never provided me any service and the merchants merchandise was not as described.XXXX called me on XXXX XXXX and reviewed expenses i listed for a grant.there was also no grant.i called my credit card bank of america to report this scam and i had been taken for XXXX.i explained the whole situation to them to no avail.they told me i waited to long.this company strung me along i believe to make sure i could not dispute. i wonder how bank of america could let somebody like this have a merchant account with their bank.even with no goods or services bank of america paid these people and took my money.i dont believe bank of america looked into this at all because even the money paid for this service was illegal.if i cant count on my financial institution what do i have them for.

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 11/30/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: We currently have a mortgage with Chase and are buying a new home so thought we would go through Chase as well for the new loan. We uploaded all documents as requested within 24 hours and for the past 3 weeks we were told no issues and should be able to close the week of XXXX XXXX. We just learned that the only item lacking is an appraisal and they use the term that no appraisers are picking up the order. They said the appraisal order has been out for 2+ weeks and recently escalated XXXX XXXX and again this week. The issue is no one and Chase can explain why that is being held up. 

We are in downtown XXXX XXXX, TX and have randomly called 5 appraisers, 3 of which said they work with Chase and certainly could get out in the next day or 2. So clearly there is a disconnect. 

We are at risk of the builder voiding our contract since we likely ca n't meet the contracted closing date now and at this point we do n't know what we can do as a consumer. The mortgage bankers, processors, etc are all saying nothing can be done and now have stopped returning calls. At this point we do n't know what to do. I understand banks ca n't call appraisers directly but why would this appraisal not be picked up for 2+ weeks? Is that really the hold up? 

We have to be out of our current house next week and with it unlikely that we will be able to close next week we do n't know what we can do. If there is some regulation or process then they should be able to articulate that or at least better set closing time expectations as opposed to waiting until the XXXX hour before delivering the issue. 

At this point I have never felt more frustrated or helpless and with the red tape and lack of concern on the part of Chase I feel like this is simply not right. I 'm not sure what we are supposed to do with our pets, belongings, etc while in the interim and that assumes we can talk our builder into extending the contract. If not we have to start over. Simply not right.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a previous complaint, number XXXX, which was closed after Equifax responded -- but the response was in fact a non-responsive " canned '' and scripted answer to my particular issue that did not address my issue. <P/>My issue is that an erroneous inquiry was reported by a credit-issuing company to Equifax, and the erroneous inquiry impacted my credit score by tipping me from one category ( Good ) to another ( Below Average ) on the Recent Inquiries metric. I contacted Equifax and  submitted a faxed request for the correction as instructed by phone when they acknowledged the error ( a social security mismatch ). I have contacted the credit issuer and subsquently submitted a correction request with all the information they directed me to include when I spoke with them by phone and they acknowledged the error. <P/>The error negatively impacted my credit report two days after the erroneous reporting. It has remained negatively impacted for more than six weeks after I notified Equifax of the error. Equifax claims it may take them 60 days to correct their own error -- which is unacceptable given the importance of credit scores on a variety of life decisions including access to apartment rentals, insurance, credit, employment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with S.B.S. Trust Deed Network (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a Special Assessment from my HOA. I paid the assessment late but in full to the property management company before I was contacted by a debt collection agency. 

Debt Collection company has charged me fees and threatened me with a lien against my property. 

Collection activity should be remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (IA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016, as I was paying bills I noticed the balance of one of our accounts {$19000.00} less ( XXXX ACH transactions were made ) than where it should have been. I immediately called Wells Fargo to start the fraud claim. I received electronic confirmation that the claim had been submitted and to expect an update on day 5 and it to be resolved by day 10. I have checked the account each day and no reimbursement. On XX/XX/XXXX I called to get an update ; I provided the claim/reference number and the employee in CA stated no such claim existed. I provided her additional information to no avail. I must admit I got frustrated and hung up. I called back and was able to reach XXXX. XXXX was able to find the claim and was also able to add the third transaction which was not part of the claim originally. He informed me that there were no notes on the system. My frustration is the fact that someone, somewhere got away with {$19000.00} .... {$4300.00} on XX/XX/XXXX and XXXX transactions for {$7600.00} on XX/XX/XXXX. All transactions are coded with Health Savings. I do n't have an HSA and the amount is significantly higher than anyone is allowed to put in their HSA. With the fake accounts that WF is accused of, this makes me very nervous. Almost {$20000.00} is missing!!! We are a middle class family and can not afford this type of transaction to happen. I feel taken advantage of -- I want my money and am so tempted to pull all funds and sew them in my mattress. If a " big bank '' can not protect my money which we worked hard for, then what are we, the general public, supposed to 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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (TX).
Issue: Struggling to pay your loan

Complaint: I made the mistake of going to Lonestar Title for a title loan, little did I realize how much higher their interest rate was from others. My payments are double from what they would be. In trying to find someone to refinance the loan, no one can because Lonestar sends the car titles off to their home office which in return keeps any other title loan company from being able to buy out that loan. I think this is deceptive business practice and a racket to keep customers from being able to get a much lower interest rate and payment with someone else. They are the only title company I have found out in our city that does this and now I know why. It 's wrong! Because I struggle to pay such outrageous payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been countinously working with BSI with an authorized XXXX party. The XXXX party is representing me in this case, and she has had numerous contacts and supplied multiple requested documents but the lender is failing to communicate or provide support in this loan modification phase. We are told to provide same documents over and over again, SPOCs assigned by the lender keep changing and honestly I feel that my file has no communication log or tasks completed. I ask questions and no answers are given from the lender, and at this point we are very frusterated and would like a work history report on our file and this matter escalated who can diligently review our case for loan modification. 

I have been in financial distress and have had major medical illness in my family, and all documents have been provided to lender, we still can not communicate efficiently on the outcome of our loan modification. 

Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 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: Account information incorrect

Complaint: Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with Skopos Financial, LLC (MO).
Issue: Taking out the loan or lease

Complaint: I reported my car stolen on XX/XX/2016 with the XXXX Police Department. When I called Skopos to let them know my car was stolen they said they repossessed it. When I asked why I was told I was 3 months behind - XX/XX/2016. When I faxed proof of payment and called back the next day I got XXXX the manager. She said she the gal I spoke to before told me incorrectly and I was 3 months behind. When I asked which 3 months, XXXX said she did n't know. I told her I reported it stolen with XXXX Police, and my insurance company and she said - you have insurance? I asked if I could get my personal items from the car and she would not tell me where I could get my personal items - coat, cds, or other items from my car. When the XXXX Police ran my information my car has never been reported as repo. Today I received a letter stating my car would be sold after XX/XX/2016. I have never received any type of payment coupons or notices from Skopos so I would still send in my payments. XXXX kept stating that I filed bankruptcy and that 's how my car was 3 months behind. I told her I filed bankruptcy over 2 years ago and asked why was n't I notified or why it was taken then. No response. I have an attorney that has been trying to contact them and will not return her calls. I have filed complaints with the XXXX Attorney General, XXXX Attorney General and XXXX. XXXX said they will contact the company but I have not received a response. NEVER get a loan from Skopos.

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

Complaint: On XXXX XXXX, 2015 I received a call from the phone number XXXX. The phone call did not feature a " live '' conversation- that is, I did not speak with a human being. The only message I received was " Hello. We are calling about a pre-legal matter. If you have retained an attorney, have them call us at XXXX. Thank you. '' I called the number back immediately after the call disconnected and received a message of " Hello. NO one is available to take your call. Leave a message and someone *may* return your call as soon as possible. '' There was no identification of who the company was, nor was there an option to speak with someone. I researched the number in question and found the company to be a company named the " Northeast Collection Bureau. '' I do not have currently, nor have I ever had in my possession any documentation from this company proving any kind of debt. I am offended by their attempts to contact and feel that, the nature of their phone call ( " this is a legal matter, you will have your attorney call us immediately '' ) is both harassment and extremely threatening. I WILL NOT BE THREATENED BY A COMPANY THAT IS TOO LAZY TO PROVIDE PROOF OF THE EXISTENCE OF A DEBT.

Company response to consumer: Untimely response
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Thomas Agency, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

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 06/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Unsolicited issuance of credit card

Complaint: Bank of America sent me a pre-approved credit card offer. I contacted them and told them I did not want the card with a limit less than {$10000.00}. The rep stated that they could not guarantee that so I declined the offer. Later that day received an email stating I was approved for a {$6000.00} credit line. I emailed them and told them I declined there offer for anything less than XXXX. They asked for a bunch of personal information " To process and increase credit line '' I declined and told them to close the account and remove the unauthorized inquiry from my credit reports. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: i applied to many loan mods but we failed to make payments XXXX time i had the payment they refused it we have time to do another mod my XXXX XXXX XXXX XXXX we lost income my XXXX XXXX XXXX last year lost income then to i work XXXX jobs still don`t make hardly any money

Company response to consumer: Closed with explanation