milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have requested that all XXXX credit companies Equifax , XXXX, and XXXX XXXX to remove any and all items related to my ex husband. Also have asked to remove negative items and incorrect personal info. They have not

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: TRANSUNION continues to report one of my account XXXX XXXX XXXX as included in BANKRUPTCY the account was never in BK and I do n't even have a BK on my report. I contacted the creditor and they stated that its not them reporting the derogatory mark on my report. This is going on the 4th month now and I will be seeking legal against TRANSUNION. Also i requested that unauthorized inquiries to be removed XXXX response to me is they do n't investigate inquiries. TransUnion will not help at all. According to FCRA any mistake must be investigated.

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 04-09-2017 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: We had medical bills that we were paying slowly. The debt collection agency started to call my place of work. XXXX would threaten me and be extremely aggressive. She called me 5 to 10 times at work even after I repeatedly asked her not to call me there. She called me more at work than she did on my personal line. When she talked to my husband she was kind and understanding but when she talked to me she was rude, aggressive and continued to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: A little over five years ago we went to XXXX to buy home. They told me they only dealt with Vanderbilt Mortgage. That was n't an issue at the time but when I went to sign the contract the interest rate was too high as 10.94 % the representative for XXXX Vanderbilt Mortgage tell me not to worry about it if I had make my payments on time in five years they would give me a much better interest rate. So I went forth with the loan. When I went to ask Vanderbilt Mortgage for a better interest rate several times to rework the loan they told me no in spite of my perfect payment history and submitted to them documentation that we have lost {$50000.00} of income and was struggling making the payment but I continue making the payment on time. I feel this is dishonest in a breach of a verbal contract that I had with the representative at the time I put {$10000.00} down and was going to pull away from the negotiations but told me not to worry about it they would rework it if I paid all my payments on time in 5 years and I have. One the representatives even hinted to me that I needed to be behind on my payments for them to even consider it which is also wrong. I feel that I 've been a good customer to them they 're making a lot of money off my interest and because I had a verbal agreement that it would be reworked in five years they should honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pervious deleted items were add back to credit report without written notice. Which is against the FCRA section 611.

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 03-03-2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Experian and XXXX are reporting that I owe tax liens that are incorrect. I have disputed these items with the Credit Agencies.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: RE :  XXXX  and Transunion Credit Report   XXXX   XXXX   related creditors are still listed/showing on  XXXX  Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor ( s )  XXXX / XXXX  were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have   XXXX    District Court of Florida discharge documents as well to substantiate my claim.

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 02-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I received a credit card thru XXXX, and transferred a balance from a XXXX XXXX account to the new XXXX card. However, in my EquiFax credit report, they show the new XXXX balanxe, but did not deduct the transfer amount from my XXXX XXXX account. So it appears as though I owe apx {$3800.00} more than I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine. 
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. 

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX   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 10/24/2017 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: Public record information inaccurate

Complaint: I had a business partner that throw me out for the company 10 years ago. Then about year here put the company in bankrupt 's and at the I was told that I need to fill bankrupts personal so did all the page work but I but pull out and never did. 
Now I have a Bankrupts on all three of my Credit report. I was told it be remove in the first year do that I never flied.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted.

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?!

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus XXXX is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus Equifax and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other

Complaint: hsbc card I do not have ... seems to be identity theft ... even maybe from a hospital ... they are continuing to drag down my credit score and add fraudulent activity ... please contact me at XXXX ... this is XXXX XXXX XXXX ... I want them caught and off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Credit determination

Complaint: Last year, I filled out a card application for a US Airways Credit card. BUT I never submitted it. I gather that it was left at the seat and some airline employee submitted it for me. When I received the card I immediately canceled it. BUT a hard credit inquiry was made by Barclays Bank in XXXX Delaware which stays on my Credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: One day My husband decided to check his credit report. He discovered that Carrington Mortgage LLc had reported late payment on our Mortgage loan on all credit Bureau 's. This caused of course a lower credit score and now months trying to clear this off our credit report. The month 's Carrington reported late payment were XXXX 2015 and XXXX 2015. I contacted Carrington to inquire about the late payment. Their answer was that it was late because the pay off was made on XXXX XXXX, 2015. Had it been on XXXX XXXX, 2015 then it would not be considered 30 days late. I submitted my XXXX dispute on all credit agencies for this to be removed for it was not accurate. They removed XXXX but not XXXX. I contacted the credit bureau 's to inquire why only XXXX was removed. They said I needed re dispute with more documents. I contacted Carrington, but the only form they provided us with was more like a statement of payments. So my only option was to contact XXXX our new Mortgage company in hopes off getting any documents showing when Carrington got paid. They provided me with the disbursement document. The document shows that XXXX paid off Carrington on XXXX XXXX, 2015 through a wire transfer. So I submitted a dispute once again. This time I attached the Disbursement document and the letter we had received from XXXX stating when they acquired our Mortgage loan which also stated it was in XXXX XXXX, 2015. In all this us as consumers have no control for there was a third party involved XXXX XXXX and it was during a refinancing period. In conclusion the documents submitted to the Credit Bureaus validates that is was never paid late. I do n't understand why Carrington insist otherwise. This has put a big scar on my husbands and my credit report. We have never been late payment on anything, ever! Not only does this affect my husbands and my credit score but most importantly career opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WI).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I am currently not eligible to get any student aid from school as I only have XXXX credits but yet I have to pay. I tried to get a private loan with Wells Fargo but got denied due to credit. How does one pay for school with no 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 07-04-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection letter from  CMRE Financial Services, INC.   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX .  XXXX , CA.  XXXX  dated  XXXX / XXXX / 2017  in the amount of {$180.00}. They state the original debt was owed to  XXXX   XXXX ,  XXXX .   This debt is not my responsibility and I am concerned based on the poor reputation of this company that they will report fraudulent information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a victim of the XXXX cramming fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous cramming charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This amount of XXXX was sent over to collection & honestly Im not sure what this bill could be for..Ive never received anything from thia company let along the collection agency..I found this on my credit report so thats why Im reaching out to better understand what this is 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 07/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Opened checking account with Wells Fargo. Noticed {$20.00} charge on the account. Inquiry showed that they sent me checks, which I did n't order. When I complained about that they refused to refund the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 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: What my credit is stating I owe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Managing the loan or lease

Complaint: On or about XXXX XXXX, XXXX, I contacted the lien holder of my vehicle, a 2014 Hyundai Sonata, to inform them of a recent financial problem I experienced during my home buying process. I spoke to an account manager by the name of XXXX or XXXX and informed them that a homebuilder in the XXXX area refused to return earnest money I applied against an inventory home. The builder refused to sell the house to me and I immediately requested a refund. I am currently 18 months into Chapter XXXX bankruptcy and I made arrangements to double my monthly car payment of {$440.00} for an {$890.00} payment to be debited from my checking account in XXXX. Prestige Financial debited the XXXX payments and then reported my account 30 days for the month of XXXX. I requested stating that payment arrangements were made and that according to the account manager, I would not be reported late to XXXX and XXXX. I believe that Prestige Financial and my bankruptcy attorney failed to work with me in good faith to prevent this devastating situation from occurring. I am still very much involved in my home buying process and I am extremely distressed by the conduct of Prestige Financial in regards to the handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (FHA mortgage) with PLATINUM HOME MORTGAGE CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I was paying XXXX I received a letter that I have a shortage of {$7000.00} that I can pay it with in a month otherwise it will be collected XXXX/XXXX/2016. Once during this period you required escrow account balance be reduced to {$1300.00} as shown in XXXX.this amount representative cushion selected by us as allowed by your mortage contract as projected escrow account balance - $ XXXXand my required begging escrow according to this analysis should be {$2300.00} Im in shock how is it that mu payment went from XXXX to {$2300.00} Because

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (AP).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I purchased a home in XXXX, AZ while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XX/XX/XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XX/XX/XXXX. Since XX/XX/XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. On each occasion, particularly after the short sale was denied, the servicing mortgage company sold ( XXXX transferred ) my mortgage to I presume the highest bidder. This is evident now as I submit my second complaint because, yes, my mortgage has been sold ( aka transferred ) yet again to Shellpoint Mortgage Servicing. And now, XXXX ( XXXX ) years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XX/XX/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 11-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2015 Wells Fargo and I were working on a loan mod for my mortgage. I was told by their representative that " all collection activities were suspended. '' Wells Fargo continued these activities by attempting to serve me with a foreclosure complaint while under this suspension. I returned these documents to Wells Fargo and their lawyers but they continued the process. I believe they lied to me in order to hasten the foreclosure by getting a default judgment.

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