milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had an account go to collections fall of XX/XX/XXXX. I made arrangements w/ the collection company and paid the account in full. XXXX XXXX the collection company reported to the credit bureaus that the account was paid and it was removed from my credit reports. Now, the account has re-appeared on my credit reports showing the account in collections. I do not have any accounts in collections even though my reports show that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Lacy Katzen LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I filed for bankruptcy in XX/XX/XXXX because of legal debts my son incurred that I signed legal responsibility for. The attorney filed a summary judgment against my son for the debt. However I signed all contracts for responsibility of the payment. We received a judgment after notification of bankruptcy on XX/XX/XXXX. The attorneys fees were included in the bankruptcy filing. I contacted the collection agency and was told they are my sons bills. This is difficult to comprehend because the attorneys fees were again included in the bankruptcy. I need help with this collection agency trying to collect from XXXX parties when I signed all documents. I have a letter from the attorney dated XX/XX/XXXX that the bills are my responsibility.

Company response to consumer: Untimely response
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with American Coradius International LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Suddenly I received a letter for debt collection from XXXX. I have no clue where and what type this debt came from. I do not have a XXXX account. Nor have I ever made any transaction via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I tried to cancel my credit reporting service online, but there is no such options. There is only a phone number. I tried calling this number for 3 days straight during business hour, and there was no representative talking to me. They effectively forced me to continue subscription because there is no channel for cancellation.

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 09-08-2017 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: On Friday XXXX XXXX of 2017, per equifax website ( https : //www.equifaxsecurity2017.comXXXX ), I was a potential victim for identity theft that occurred in 2017. Equifax had security breach by a hacker and potentially had my personal information breached.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last 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 01-10-2018 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I noticed a 30 Day late on my credit report and immediately called and disputed this. I had updated my address with this creditor and hadnt received a statement, unaware that a payment was due. I then received a notice of returned mail. When I called and asked them why my address was not updated they had no answer. I preceded to pay the owed amount and let them know id like the 30 Day late removed, they informed me they would n't help. I then asked to speak to a supervisor they told me it was on a call back basis, I agreed. When three days went by I decided to call them. The same result occurred. 

I would like the 30 Day late removed given the circumstances. I have also never had a 30 Day late with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was scammed by a company named XXXX XXXX who contacted me an told me they can get me into a student loan forgiveness program under the Obama act who would pay my loans in full if I pay this company XXXX and then XXXX a month. I found out it was a scam because it was actually loan consolidation that I could have done myself. And I stop payment on my bank check but they wo n't come off my credit report. Please help. I read on bbb they have scammed a lot of people after signing up with these people. I feel stupid. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We filed a Chapter XXXX bankruptcy that was discharged XXXX 2012 which did not include our home mortgage through Wells Fargo. This was included on the petition filed with the courts, however Wells Fargo did not respond to the request to reaffirm the loan. We continued to live in the house and make on time payments and even refinanced the home through Wells Fargo to take advantage of the HAMP program. However, Wells Fargo continues to report that the loan was included in our bankruptcy and show no payment records to all XXXX credit reporting agencies. We have contested this information several times only to be told the investigations were closed and that the information was reported correctly. I would like this corrected as this has been and continue to affect our credit file and is impacting our ability to gain a new mortgage.

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 08/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: During the mortgage crisis I had file bankruptcy to keep my home, and I believe that I was a victim of predatory lending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America closed my accounts without reason or explanation I 've been a customer in good standing since 1990 and am willing to give any information that will help to get to the root of this unfortunate error. I treat my relationship with the bank with great respect and also am a XXXX for many branches in XXXX XXXX. This situation is very important for me to resolve.. Thank you, a XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with Collection Bureau Incorporated (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Collection Bureau Inc. placed an account on my credit that does not belong to me. I have tried contacting them and asked them to provide proof that this account belongs to me or to remove this account and they have not done either. They simply responded by telling me to call in?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I want to get my status to open and start making affordable payment I cant keep having the irs take my income tax which is completely for my kids college fund I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Payday loan, title loan, or personal loan (Payday loan) with Premier Recovery Group (VA).
Issue: Struggling to pay your loan

Complaint: I obtained a cash to pay day loan and fell on financial hardship. Recently, I 've been receiving what I would consider harassment from their debt collector, PRG. According to the CFPB law, the debt collector can not contact my personal references more than once. They called two of my family members and I with the message This is a final legal notification for a XXXX XXXX. My name is XXXX XXXX contacting you regarding your case. The case number is XXXX cases pending to be filed against you with the XXXX XXXX County court. If you want to take care of it outside of court you need to contact me immediately at XXXX. She also left a messages with them stating that I'vd written bad checks that bounced. Although it is not true ... this is extremely embarrassing. It has caused conflict with my family and my character is being smeared. I contacted the CFPB and they stated they should only use the references to find my location, not to threaten. I also contacted the company to get their business information. When I asked for the address, she placed me on hold for a few minutes and provided XXXX XXXX XXXX. XXXX, NY XXXX and then when I asked for their professional business license ... she transferred me to XXXX XXXX who did n't want to provide any information and stated I would have to contact the state in order to obtain the number. 
In addition, she said she has surveillance of me walking into the loan place, using my XXXX XXXX  card the funds bounced and they will be filing with the city tomorrow if I do not satisfy my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have XXXX loans on my home. The first mortgage after much stress, hassle & lies from this bank, I finally received a loan modification. The XXXX loan is a HELOC with " Wells Fargo ''. They told me that if I could get a loan mod from the first lender it would be much easier to get modified with them. They denied me twice, saying I can afford the monthly payment as is. Which seems to have nothing to do with any reason to deny an approval. The payment would have to go up regardless & if I made less money they would say I could not afford it & be denied as well. They even added {$1000.00} to my gross income, of which I do not make. So apparently there is no such thing as approval in any case.There is only an {$8500.00} ( approximate ) delinquent amount. If this amount was simply added to the loan amount it would be about {$20.00} more per month in payment. So they would rather foreclose on my house than to increase my monthly payment by {$20.00}. This is outrageous. 
In 2 years this HELOC will end anyway & the entire amount will be due. If I refinance it will increase my payment by about {$600.00} more per month + the cost of the refinance fees. I only have 2 years on support payments left & then do not know if I will have any income at all after that. I was a homemaker and almost XXXX XXXX XXXX now. While my ex still enjoys his XXXX figure job & lavish health insurance. He was the one who caused all of the delinquent payments in the first place. The only choice I am given is to come up with the {$8500.00} payment. How do they figure that I can afford that? I am currently making the month payments & have been for the last couple years. It is only the delinquent amount at issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Attorney General of the State of Ohio sent expungement letters to Equifax requesting they remove XXXX liens which were on my report. I sent a certified letter to Equifax requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our clients were extended a loan modification agreement from Ocwen Loan Servicing via correspondence dated XXXX XXXX, 2015. They signed and returned same agreement XXXX XXXX, 2015. The terms set forth in the agreement from payment XXXX to maturity were {$2.00}, XXXX. Two weeks later, Ocwen sent out clients correspondence with payment changes to {$2.00}, XXXX. ( Original terms of the mortgage were fixed, never adjustable ). They called Ocwen and Ocwen advised to continue to make the loan modification payment per the agreement of {$2.00}, XXXX. As directed, payments were continually made per agreement, but all eventually returned. ( I have attached proof of same ). Litigation continued and now they are facing trial. 

Our client has had a XXXX and are taking care of a XXXX son. Please advise asap as situation is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NV).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I am on a small fixed income and have direct deposit. For the  last two  years my bank has charged me an overdraft fee of {$35.00} if there is not {$12.00} in my account to cover my monthly service fee. Every single month I go through this. Unfortunately all the money I get from  SSDI goes for my rent, my utility bills and food and sometimes I 've only got {$10.00} left in my account but still charged {$35.00} for being {$2.00} short for my service fee. I have repeatedly ask my bank to waive the fee but they refuse. Even though the money is guaranteed to be there on the 3rd of eac h month they still charge me {$35.00} if there is n't {$12.00} in my account to cover the service fee. Even if I have {$11.00} I 'm charged {$35.00}. I know I need to change banks but now it 's the principal of all this. I feel like I 'm being robbed by this bank. Can you help me?

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 03-07-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit determination

Complaint: One past due payment of {$27.00} dollars, on a store charge card, resulted in a credit score drop of over XXXX points. This essentially ruined my credit score and my ability to apply for loans of any type. It should not be that easy to affect ones credit score in a nation where credit is so important.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ford Credit  and  XXXX   XXXX   XXXX  are showing  two ac counts of mine that were paid on time and the balance was paid in full. There was never a late payment made, as the credit report shows. Yet, they are reporting both as  " Closed-Derogatory '' and I h ave now seen a  XXXX  point drop in  my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: There is nothing FAIR in the federal Fair Credit Reporting Act if a consumer has to pay for their OWN credit score. Why does a consumer have to PAY for their own credit score? Anyone else seems to be able to obtain it, except the consumer. This is outrageous! 
Does n't this fall under the FOIA? Is there anything really " Federal '' about the federal FCRA? If so, why am I being addressed on the phone by someone in 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 08/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: One of the most powerful tools in a consumer 's box is the ability to pay down mortgages early. For many years I have gained equity at an amazing rate by taking my monthly mortgage payment, cutting it in half, rounding up a few dollars and making a half-payment on the first and XXXX of the month. Doing this causes my payments to apply to my principal at a much quicker rate, cutting years off my mortgage. 
I refinanced my home a few years ago in an effort to do business with a local bank, XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas, and not XXXX the big nationals that caused the financial meltdown. I made it clear how I wanted to make my payments, and they said it would be no problem. Then they sold my mortgage to XXXX the worst offenders of the financial crisis, Wells Fargo. 
Wells Fargo does not allow the immediate application of half payments, instead holding payments until an amount equaling the entire payment has been received. 
This has resulted in them receiving a payment on the XXXX of the month every month for the past XXXX years, holding it until the XXXX of the month, then adding it to that half payment and applying it to my account. This has cost me many XXXX of dollars, and I am angry about it. Wells Fargo refuses to change for me. 
I tried to refinance through XXXX XXXX XXXX, where they used to do it my way, but they no longer offer this service. I 'm sure if I go to other institutions they will sell my mortgage to one of the big banks who no longer apply payments as received. 
Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Payday loan) with Integrated Recovery Services (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX from integrated services called saying I was going to be summoned on 2 counts of fraud with XXXX and has called family members who are not associated with payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but experian will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.

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 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed XXXX claims through CFPB last week - # XXXX & XXXX regarding XXXX and XXXX ( company XXXX. Selected to collect the " early termInation of account penalty ''. After I filed XXXX responded in yor case file records and stated they no longer are involved .. XXXX selected another company-Credit Management L P of XXXX , TX . I had previously sent letters to XXXX explaining why I did not owe XXXX for the penalty they submitted only final bill. I paid my bill in full ; I did no pay for the penalty they assessed. I have denied owing the penalty. 
XXXX claims I owe charges {$130.00} for a new service connection while I was contesting the penalty. I was lied to by XXXX representatives when I re-connected my service when they specifically told me my my new account would not be linked to or affected by the penalty. My service was disconnected 5 days after my XX/XX/XXXX re-connection. I received a bill for penalty and new services. I returned all equipment immediately only to have XXXX bill me {$130.00}. An amount I do not owe because of false representations made to entice me to re-connect my service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation