milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: EQUIFAX XXXX HAS FAILED TO REMOVE INFORMATION OF XXXX XXXX XXXX ACCOUNT NUMBER XXXX AFTER SEVERAL ATTEMPTS BY XXXX XXXX XXXX TO HAVE THE INFORMATION REMOVED FROM MY CREDIT FILE STARTING ON XXXX XXXX XXXX XXXX XXXX XXXX SENT INFORMATION OVER TO EQUIFAX EXECUTIVE DISPUTE TEAM ASKING THEM TO REMOVE ALL DEROGORTORY INFORMATION FROM MY FILE UNDER THIS ACCOUNT NUMBER, ON XXXX XXXX OF XXXX XXXX XXXX XXXX SENT ANOTHER NOTICE TO EQUIFAX XXXX TO REMOVE THE INFORMATION AGAIN. PER MY CONVERSATION THAT TOOK PLACE WITH XXXX BACK IN XXXX OF XXXX SHE STATED THAT INFORMATION WILL STAY BECAUSE THE INFORMATION IS INDEED MINE AFTER I TOLD HER I DIDNT HAVE ANY KNOWLEDGE OF THE ACCOUNT NUMBER LISTED. A CUSTOMER SERVICE AGENT FOR THE BANK NOT AUTHORIZE TO MAKE A DECISION ON THE ACCOUNT XXXX BANKS TOOK THE WORD OF THAT CUSTOMER SERVICE REP AND REFUSED TO DO AN INVESTIGATION ON THE EXISTANCE OF THE ACCOUNT ON XXXX OF XXXX XXXX POLICE DEPARTMENT DID ANOTHER INVESTIGATION CITING THAT THE ACCOUNT WAS INDEED FRAUDULENT AFTER SPEAKING WITH UPPER MANAGEMENT OF XXXX XXXX XXXX. ON XXXX XXXX TOLD XXXX XXXX XXXX TO CEASE FROM REPORTING THE FRAUDULENT INFORMATION. ON XXXX XXXX XXXX XXXX XXXX AND XXXX LAW FIRM HIRED BY XXXX XXXX XXXX. STATING THAT RIGHTS UNDER THE FDCPA AND NCFDCPA HAD BEEN VIOLATED. AND XXXX XXXX XXXX ADVISE EQUIFAX AT THAT TIME TO REMOVE THE ACCOUNT FROM MY CREDIT FILE. ON XXXX XXXX OF XXXX XXXX XXXX XXXX COLLECTIONS DEPARTMENT MANAGERS ADVISE ME THAT THEY HAD ALREADY TOLD EQUIFAX BY ELECTRONIC SUBMISSION TO REMOVE THE INFORMATION FROM MY CREDIT FILE BACK ON XXXX XXXX. XXXX XXXX XXXX ALSO ADVISED ME ON XXXX XXXX XXXX AFTER DOING ANOTHER INVESTIGATION STATED THAT THE ACCOUNT WAS NOT REPORTING TO MY EQUIFAX CREDIT FILE. AS THEY PULLED MY CREDIT REPORT TO DO THE INVESTIGATION XXXX XXXX. ON XXXX XXXX XXXX I RECEIVED INVESTIGATION RESULTS FROM EQUIFAX STATING THAT THE ACCOUNT WAS CERTAINLY REPORTING TO MY CREDIT FILE. AFTER ANOTHER CONVERSATION WITH XXXX XXXX XXXX SHE STATED THAT THE INFORMATION WILL REMAIN ON MY FILE EVEN AFTER THE CREDITOR ASK HER AND EQUIFAX TO REMOVE THE INFORMATION IN QUESTION. ON XXXX XXXX XXXX XXXX XXXX XXXX SENT ME ANOTHER LETTER STATING THAT THEY HAD CHECKED MY CREDIT REPORT AND THE INFORMATION WAS NOT REPORTING. AND THAT THE INFORMATION SHOULD NOT BE REPORTING. THEY HAVE ASKED EQUIFAX ON SEVERAL OCCASIONS NOT TO REPORT THE ITEM. THIS CLEARLY SHOWS THAT INFORMATION IS BEING RE INSERTED BACK TO MY CREDIT FILE WITHOUT PROPER DOCUMENTATION BEING SENT WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, 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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with MERCANTILE ADJUSTMENT BUREAU, LLC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was contacted by a debt collector who misrepresented the amount of the debt and negotiated a settlement based upon this false amount. I paid a negotiated sum to discharge the debt and then was contacted by the originator of the loan and informed that prior to the negotiated settlement date the full amount of the debt had already been forgiven. 

I attended XXXX University XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: My complaint is that Wells Fargo acquired my loan from XXXX XXXX in XXXX and Wells Fargo is trying to foreclose on my property with fraudulent documents. I notified Wells Fargo about my husbands signature being forged on the non borrowing spouse signature page and that the page was also notarized. I requested a copy of my original note and Wells Fargo sent me a copy stamped that the documents were certified to be copies of the original and I discovered the forgery. I have yet to receive a response from Wells Fargo. My understanding is that its against the law to foreclose on a property with fraudulent documents. I had to file chapter XXXX in order to stop the foreclosure. I have a statement from several Wells Fargo stating that my loan was handled correctly. I have proof that that 's not the case. I requested that Wells Fargo supply me with the notaries log page that should have my husbands drivers license number, thumb print and signature. I have yet to receive that also. Wells Fargo is suppose to make sure all documents are in order and correct before foreclosing and they did n't. Wells Fargo has already been fined for robo-signing and it looks like they are still doing it. I tried to work things out with Wells Fargo by requesting a loan modification and also asking for a settlement payoff amount. I have someone that was willing to pay Wells Fargo cash to payoff my loan and become my new lender. Wells Fargo needs to rectify this problem that I am having with.

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 01/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was laid off by my employer in XXXX 2016 and filed for unemployment. In XXXX and XXXX 2016, I attempted to request a recalculation of my Income Based Repayment plan because my income had changed. Both requests were denied because I had checked the wrong checkbox on the form ; I still paid the bill amounts in full to show good faith and to remain in good standing. In XXXX when I was denied a second time I called the fedloan call center to request assistance with filling out the paperwork -- the operator at that time instead only outlined employment deferment as my sole option to remain in good standing with my student loans ; when I specifically explained that I no longer had income and needed my monthly payment recalculated, I could not get the information I needed to have my income-based repayments reconsidered. 
The 3rd attempt, filed online on XXXX XXXX, 2016, was processed on XXXX XXXX, 2016 at the central processing center. However, because my monthly payments are due on the XXXX of each month, I am still receiving requests and notifications that my XXXX payment is past due. I called the fedloan call center today to further request relief from the XXXX payment, but was told that my only options were to pay the bill or to go into forbearance. I explained to the operator that I had multiple attempts to make the request, but she bluntly explained that forbearance or full payment were my only options. 
My understanding of the income based repayment plan is that it allows for reconsideration of monthly payments based on someone 's income. My understanding is also that when someone fills out the online form ( as I did on XXXX ), the current balance is temporarily suspended until the request is processed. 
I believe that my request is being handled in an unfairly strict way. I filled out the online form before my bill was due on the XXXX, and I can also prove that I was laid off in XXXX and spent precious cash resources trying to stay current on my account even as I was requesting assistance from the operators because the paperwork was confusing to me, and therefore incorrectly filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Halsted Financial Services, LLC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am continually harassed by a company stating that I owe on a lease to own. Over 8 calls a day for 3 weeks now. I paid for the item on XX/XX/2016. I finally called back and I was told I was a liar and was repeatedly yelled at on the phone by a " XXXX ''. I will not be bullied for something I do not owe. I contacted the original creditor and they confirmed it was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: First, XXXX did not disclose options for student loans. We were told that the only way to go to the school was by means of using Sallie Mae Loans. We were also told that the loan amounts were a different number than what the lenders are saying. The interior design department closed right after my graduation in 2008 and then the entire school shortly after that. Sallie Mae has charged huge interest fees, pulled loans out of deferment and forbearance months early and reported fraudulently to the credit bureaus that the payments were late. Both Sallie Mae and XXXX are reporting inaccurate information on my credit report in terms of lates, balances and charge offs. They are refusing to cooperate by sending over the required documentation such as signatures as evidence of exact loan dollar amounts and balances owed. They also did not mark my account as disputed within the 30 days of writing to them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The bankruptcy is support to be taken off within 10 years. Why is it still showing?

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was unable to pull my free annual credit report for Equifax. In addition to this, I tried to do a dispute through Equifax and it states they can not confirm my identity. I also use third party credit monitoring services and the Equifax portion has not been updated since  XXXX   XXXX     2017. I c ontacted my 3rd party monitoring services and they stated Equifax is not allowing them to pull anything. They told me to contact Equifax directly. I contacted Equifax directly and got nowhere. They were able to confirm my identity, however they could n't tell me what the issue is in regards to pulling reports and credit monitoring services I use. All they did is offer me to purchase a credit score pull directly from them ... .I do n't understand how I cant pull through my credit monitoring services that I pay for, but yet E quifax is a ble to if I pay them directly. To me it appears they are purposely doing this to force people into paying for their products directly to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Trouble during payment process

Complaint: I had a loan with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . They have gone bankrupt and my loan has changed hands either because of their bankruptcy or us refinancing somewhere else.  XXXX   XXXX  is no longer in business but the  Lien  is still on my property. I would like to remove this from my deed/title. Please help.    XXXX   XXXX  was  XXXX   XXXX  but have been divorced. If u need divorce papers or anything feel free to contact me.    XXXX   XXXX  Missouri  XXXX    XXXX   XXXX   XXXX   address was  XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with DISCOVER BANK (NE).
Issue: Billing disputes

Complaint: Here is the story all over again, as I recall it, XX/XX/2014, there were quite a few advertisements regarding business opportunities on t.v. XXXX in particular was of a mother who worked really hard and could not make ends meet with XXXX XXXX assistant she began to make thousands from home. I sent an email as the company provided their email address in the ad. I never received a response from the company that was doing the advertising. A short time period after that I received a call from a guy that claimed to be currently running the facility. He began to interview me stated that he had to verify that I met the criteria to be a part of such a lucrative business opportunity. He advised he had XXXX difference platforms ranging from XXXX to XXXX XXXX dollars. He stated if I purchased the XXXX XXXX dollar package, everything would be done and customized for me, and I was guaranteed to make money, without lifting a finger. Here I am weeks later, and to my knowledge I still do n't have an active account. They mentioned that my account is active, but I never even put anything on it or seen it. They swindled me out of {$3200.00} dollars and several monthly fees of {$110.00} stating that it was essential for the operation of my website. WHAT WEBSITE, I DO N'T HAVE ONE! Which has brought me to this point. My credit card company states they will not refund my money because the merchant responded. In their responses they provided a contract which I admitted to signing and a record log of me attempting to contact them excessively, which only proofs that I was n't receiving the assistance I needed. Regarding XXXX, XXXX and case number XXXX. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. My wife and I have already been through enough calls, emails, irate conversations with the merchant. They should not be signing with the merchant, this is a form of XXXX abuse. I called previously and try to stop these monthly fees and my credit card company failed to assist me. PLEASE HELP US!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: In the foreclosure process and Caliber homes does n't seem to be willing to work with me. I was requested to submit the same documentation in different formats over 5 different times. My application is about to expire because they did n't like the formatting of what I submitted. I also get different answers each time I call. I have been working with them since XXXX 2015 and still do not have any answers on if I will receive a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: EVER SINCE XXXX BANK HAS TAKEN OVER PAYMENT PROCESSING FOR MY BP VISA CARD, WE HAVE BEEN PLAGUED WITH LATE CHARGES. THEY SEEM TO NEED TEN DAYS TO PROCESS A PAYMENT SOMETIMES. I DONT HAVE THIS ISSUE WITH ANY OTHER BANK OR PROCESSOR. THEY JUST SEEM TO FIND REASONS TO CHARGE LATE FEES. THEY ARE CLEARLY SCAMMING PEOPLE. I HAVE CANCELED THIS CARD AND PAYED THE FINAL BALANCE OF {$1900.00}. I HAVE A PRISTINE FICO SCORE. I AM SENDING THE CUT UP CARDS TO XXXX AND BP TO LET THEM KNOW THAT THEY ARE DESTROYING THEIR BRANDS WITH THIS ABUSIVE PRACTICE. PLEASE INVESTIGATE. FOR EVERY LETTER LIKE THIS YOU GET, THEIR ARE PROBABLY XXXX THAT ARE GOING UN-REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: I have a Best Buy XXXX credit card with Citicards. My account number is XXXX. 

On XX/XX/XXXX2017, I was assessed a charge in the amount of {$67.00} from a XXXX store in XXXX, HI. I live in XXXX XXXX, CA, and have never been to XXXX or to any XXXX store in XXXX. 

I disputed the charge on Best Buy 's credit services website. However, they responded, " A valid card on your account was presented at the time of this purchase, '' and refused to remove the erroneous charge, Since I repeat, I have never been to XXXX, and the card was never out of my possession, it is impossible this charge belongs to 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 explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This regards our Chase Freedom Visa credit card # XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX use this card. Expiration was XX/XX/XXXX. ( Do n't worry, we have since gotten a NEW C.C. because of this fraud. ) ( Another Chase Freedom Visa C.C. ) No one asked for NOR ordered ANY of these items! The ( 4 ) fraudulent, XX/XX/XXXX charges just appeared on our statement! Here are Dates of Transaction, Merchant, & Amount : 1 ) XX/XX/XXXX XXXX XXXX XXXX for {$92.00} ( Visa says XXXX? ) 2 ) XX/XX/XXXX " " {$5.00} ( Visa says XXXX XXXX XXXX? ) 3 ) XX/XX/XXXX XXXX XXXX XXXX CA for {$92.00} (? ) 4 ) XX/XX/XXXX " " {$5.00} (? ) We spoke with " XXXX '' at Chase Visa : XXXX ( ext. XXXX XXXX XXXX ) ( M-F XXXX XXXX - XXXX XXXX CST ) Nice gal, but she needs CFPB Help! Please HELP us remove these bogus charges! CFPB : You are a strong right hand of hard-working Americans. May XXXX Bless You! With love! XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE CONTACTED EACH COMPANY TO WHICH I HAVE GOTTEN CORRESPONDENCE FROM THEM STATING THAT THEY HAVE REMOVED THE INQUIRY FROM MY CREDIT REPORT. THESE CREDIT INQUIRIES ARE LINKED TO MY IDENTITY THEFT THAT I HAVE BEEN FIGHTING. THERE IS PROOF THAT I HAVE BEEN INVESTIGATING THESE CASES A LONG WITH XXXX POLICE DEPARTMENT HERE IN XXXX INDIANA. I HAVE PLACED ALL LOCKS ON MY CREDIT PROFILES SENT PROPER DOCUMENTATION TO THEM AND THE CREDITORS THAT OBTAINED MY CREDIT WITHOUT MY CONSENT. I HAVE COOPERATED WITH EQUIFAX XXXX AND XXXX ON THIS MATTER AND EQUIFAX REFUSES TO REMOVE THESE OFF MY REPORT. THEY ALSO FAIL TO RESPOND TO MY MAIL REQUESTING VALIDATION OF ORIGINAL DOCUMENTS WITH MY SIGNATURE ON THEM. 

THIS COMPANY ALSO HAS REMOVED MY XXXX ACCOUNTS OFF MY REPORT WITHOUT AUTHORIZATION AND RE INSERTED THESE ACCOUNTS AGAIN WITH OUT NOTIFICATION OR AUTHORIZATION FROM ME. I WANT THESE ACCOUNTS THAT THEY RE INSERTED ON MY CREDIT REPORT REMOVED COMPLETELY. 

THIS COMPANY FAILS TO REMOVE AN XXXX EVEN THOUGH THEY HAVE DOCUMENTATION FROM THE COMPANY AND COPIES OF LETTERS I RECEIVED IN THE MAIL STATING TO REMOVE THESE ACCOUNTS THEY WILL NOT REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A card was opened using my name in  XXXX  I contacte d Macys and   even sent them the fraud affidavit years ago letting them know I was a victim of identify theft and did not open the card. They told me it would be taken care of, again in  XXXX  of  XXXX  I learned this account was still open and holding me up from obtaining credit. I once again contacted them and they stated they would escalate the problem since they could see it should have already been taken care of. I again faxed them the fraud affidavit and they have yet to release my liability from the account after speaking to numerous people over th e past 2 weeks.

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