milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (IN).
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: Fraudulent debt collection practices  : PROCOLLECT IN  C  XX/XX/XXXX  to present  XX/XX/XXXX .      I previously filed a dispute and never received notice of outcome or request for further information with  XXXX  in  2016  once I received a letter from the aforementioned collection company informing me I owed them money on behalf of  XXXX   XXXX  in  XXXX   XXXX , IN  XXXX  ( I believe they are now run  by    XXXX    a Real Estate Company ). Th ey have changed companies many times since I lived their and were undergoing foreclosure/bankruptcy when I moved out after my lease was up.     The letter I received from PROCOLLECT stated I owed in excess of  1400.00 for  damages made to an apartment I hadnt lived in for months. I was NEVER contacted by the actual apartment complex or manager  XXXX   XXXX   ( who  I had many issues with over the course of my tenancy ). I immediately contacted the apartment complex, left messages and emailed asking to speak to the actual management company and not  XXXX   XXXX . The only call I got was from her and she refused to give me the number to contact anyone but herself ( we had some very real issues when she accepted my dog and falsified his breed on paperwork to get my deposit money and then subsequently told me he was not allowed to stay there due to his breed and I couldnt renew my lease, this was also after my neighbors dog attacked mine and he threatened me which resulted in his arrest and the removal of his dog ). That caused  XXXX   XXXX  some issues when trying to explain why she accepted my dog because of his breed. So at this point she was trying to cover herself and upset with me because I filed a report. The letter from collections stated I owe monies for damages to the apartment. I asked for proof of damages, pictures a signed copy of the move in and /move out walkthrough that they never showed up to complete upon either. I also again was never contacted by them in an attempt to collect any monies even though they had my address and phone number. They also did not list the  XXXX  pet deposit with my  XXXX  security deposit I paid. On the invoice I received from collections it wasnt listed as being deducted from the alleged damages. Neither company can provide any documentation to support these charges. I will also be filing a complaint with the better business bureau and contacting the newest management company in regard to this matter and detailing my interactions with  XXXX   XXXX . The only reason this ever went to collections is because I was never notified for a reason. Neither of these companies have any proof of debt other than  XXXX   XXXX  falsified invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had been getting incessant calls from Phoenix Financial Services regarding an unpaid debt for an emergency room visit. I had informed them multiple times of the status and why it has gone unpaid ( there is a pending lawsuit ). XX/XX/XXXX, Phoenix Financial Services called me and I asked for a verification of debt. I never received one, yet they called me again on X/X/2017 to inquire about payment. I informed them that I had not received their verification of debt and that they were breaking the law by calling me. They said that they had sent it already so it was not breaking the law. I asked them for a tracking number, but they did not have one. This leads me to believe they did not really send the requested verification.
In addition, the telephone agent was rude and was routinely spoke over me. I asked if she was going to allow me to speak and she said no, so I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (NJ).
Issue: Managing the loan or lease

Complaint: PNC is reporting an account on my credit report that is past the statute of limitations and should be deleted from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account in the past because XXXX told me they would update the account to show there is no 30-day lates base on the fact that those lates they are reporting on my account were not my fault. XXXX agreed and sent out an update. XXXX and XXXX updated it. But Experian is the only one who refused to update the account. I attached a letterhead from XXXX attention Experian letting them know this account should be updated and also they sent out a signal to all XXXX reporting agencies to make sure it is updated. I attached letterhead from XXXX and account information.

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 02-06-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never lived at the address where XXXX authorized an account to be opened which apparently used my social security number. I have lived at my current address for 13years straight. The services that I had with XXXX was at my current address and was paid in full and cancelled and all merchandise returned. I spoke to them over the phone and was told on yes we see your account was closed and current and a refund mailed when closed we will take care of. Now this {$920.00} balance is showing under my social and the address they have is not mine. I currently have XXXX cable services

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  accounts that were previosly deleted due to me being a victim of identity theft have reappeared after so me one in  Equifax decided to " consolidate '' my report to shorten it. All of these accounts were previously investigated and blocked due to identity theft. Now that they have re-appeared I have been shuttled to the consumer affairs division of Equifax where the representatives are extremely rude and not helpful towards my situation. All of my documentation is on file and these accounts should have been deleted again within 4 days and that has not occurred. It has been approximate ly 2  weeks and this is causing me an extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax announced on XXXX XXXX that the suffered a massive security breach which may have compromised the personal data for millions of Americans. I checked the " https : //www.equifaxsecurity2017.com/potential-impact/ '' website to see if I was potentially impacted. The website stated that my information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX or Experian.

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 03/15/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I am good on my payment history with Wellsfargo, I have not been late for past 24 months. The FHA loan and HUD discriminates against the lender, and Wells Fargo according to HUD can at their own discression remove the Morgage insurance after 5 years without waiting for 78 % threshold. At the time of requesting a FHA Morgatge insurance removal, the HUD act discriminates because it allows for " the Bank '' to request an apprasial to insure the house has not devalued, but HUD does not allow for the Lender to demonstate the house value is increased. This is percieved one sided. In my case a near 100 % increase in the house value has occured due to renovations and investment into the house. This is something for our local government legislation member to be aware of too. I have paid the mortgage timley, and FHA allows for lenders at their own discression to remove the FHA Morgage insurance premium too after 5 years. That time has passed for me. The bank Wells Fargo is not customer-centric and not servicing the customer, by deliberatly ignoring the value of the house and facts, hiding behind the HUD guidelines of a fraudulant market value of {$510000.00}, compared with bak apprased value of {$930000.00} we hold, from third party government certified appraiser. Upon communication to the bank, their own licenced apprasiers have valued the house at over {>= $1,000,000} the banks response is " we dont have to fator the value in '', only the under valued value at the time of purchase. This is disregard for truth of real value and facts of values of the house. When truth is absent so is justice. Grossley undervaluing the house, a value non representive of their own independent government licenced appraises, in other words, the bank dont care for customers. This goes against marketing slogans of the bank " How Can we Help You Achieve your goals '' on their web site. " How can we help pay student debt ''. A bank giving marketing statement misrepresentations of what they actually do for their customers. Hiding behind legislation, the HUD site says the bank can remove the mortgage insurance " at lending instutions discression ''. When asked about that, The bank offers no comment on that part or refrence of the HUD web site. One sided again. Ethics of the bank need to be brought into spotlight in XXXX, thanks to Trump, its whistelblowing season. My loan additionally is a XXXX FHA too. Granting more flexibility in rules than later years FHA loans.

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 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint Experian 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 thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. 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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The company has multiple inquiries on my report with XXXX, and one inquiry on my reports with XXXX and XXXX XXXX. I have written to the company in the past regarding the inquiries, requesting documentation to support permissible purpose, but have not received anything other than an acknowledgment that they did access my credit files. Lacking any evidence supporting permissible purpose, specifically in writing, as is required by Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] a ( 2 ), I would ask that the company remove these inquiries from all three of my credit reports.

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 11/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Struggling to pay mortgage

Complaint: In XXXX 2011 Wells Fargo foreclosed on my home the address was XXXX XXXX XXXX, XXXX, AL. I had applied for a mortgage modification and was told to not pay my mortgage for the next three months. I called month after month for 11 months I was told during that time to continue not paying my mortgage. After 11 months they declined my application because they said I failed to sign a certain page. I asked to be able to sign the page. They refuse to allow me to. And foreclosed on my home. I would have thought it but just the month before my son had passed away and I was not of a mind to do so. I lost all the investments I had made in that home

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 01-07-2018 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MD).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: the Loan was paid off in 2015 after it was paid off they refused to release my title stating they added additional fees. i called the company 20 times and requested written verification of these charges and i never received it. They also treatened to add these charges to credit report.. They added this to my credit report and they refuse to take it off

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 08-01-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00}  Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be  mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America Email, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, XXXX. XXXX FDIC. XXXX XXXX XXXX : XXXX XX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.

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 02/16/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I originally filed a complaint that tax lien XXXX was being reported on my credit report even though the State of Alabama withdrew the lien. Equifax did in fact remove the lien and I assumed this would not longer show up on my credit report. 
Recently I was denied a loan because of a tax lien on my credit report. When I viewed my credit report, lo and behold there it was. Tax lien number XXXX. 
Both the lender and I spoke with the Probate Judge and inquired about the lien. She told us that XXXX is referencing a XXXX as paid. She said she did n't understand why Equifax is reporting this. She said XXXX was withdrawn therefore Equifax should not be referencing this. The Probate Judge has never seen this before and the letter, which I have attached, clearly states the State of Alabama has withdrawn the tax lien. 
XXXX should be removed and follow the order of the state.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Reported failure to pay after account closure date. Account high balance is incorrect and over limit. They refuse to provide all information to validate saying it 's unnecessary. They have repeatedly harassed for years wi th 5-6 rob ot calls a day after being told to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that XXXX would not issue me BUT now XXXX will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called Transunion and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But Transunion and XXXX when they try and call XXXX they get a different person every time and a different story every time. Neither Transunions nor XXXX will correct the XXXX late payment based on the multiple letters from XXXX to me. They tell me they must verify with XXXX and XXXX will not verify they reported it incorrectly when the bureaus call them. I have that in writing from XXXX with the letter dated XXXX XXXX. XXXX then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by XXXX. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.

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 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Please review complaint no. XXXX again. American Express is misleading you by saying its a duplicate. In the first XXXX reply they said I should pursue XXXX XXXX for a refund. I contacted XXXX and they said the error was caused by XXXX and not XXXX and that the refund must come from XXXX. 

Pls ask XXXX to refund {$990.00} to my credit card account. Their letter to me saying they will stop responding to this complaint makes no sense as I followed up with the airline as they instructed.

Company response to consumer: Closed with monetary relief