milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax failed to properly investigate my account with XXXX and has reported it incorrectly. Account was RE-AGED. Equifax is reporting I have late mortgage payments in XXXX of XXXX and the account was CLOSED in XXXX. See attached proof. In addition this account is actually older and should not be reporting at all. Equifax failed to properly investigate my earlier dispute. 

We requested an investigation and XXXX failed to provide us information in the allotted time frame as set forth by XXXX They are reporting inaccurate information on Equifax credit report. XXXX no longer report this account as the information was not accurate and any negative information is over 7 years. Our mortgage with XXXX was paid in full in XXXX. We do not recognize the account number they are reporting on. We also do not recognize the balance as the amount was different when we sold the home ( see settlement statement attached ). 

INVESTIGATION REQUEST : On XXXX XXXX, XXXX because we needed clarification we certified a letter to XXXX through usps and also faxed a letter requesting an investigation and requesting proof. ( see proof of delivery of usps and fax ) XXXX did not respond to our investigation request. The time has passed for XXXX to respond. 

By failing to respond to our investigation request within the allotted time-frame as is set forth by XXXX, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line. 

We were also part of the Independent Foreclosure Review and received a settlement from XXXX. ( see attached ) They were negligent back then and they are negligent now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company has called many of my family members, whom I do not live with, or have never lived with and told them there was a complaint against me, gave them a number and a reference number. I received a message today from them but did not say anything about a complaint or reference number. When I called the number, I could not make out the name of the company and they said their offices were closed. They said if you do n't want your phone number called, to read it clearly. 

They contacted my XXXX year old father, and my XXXX year old uncle. I am XXXX years old and do not live with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: On XXXX XXXX, 2017, Equifax did knowingly store my credit report in such a manner that made it available to data thieves. This has caused my identity to be breached and frankly, damaged my peace of mind and trust in credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern, I am filing this formal complaint because I feel that Chase/XXXX XXXX is not honoring their part of the agreement with the government. I have been trying to get a loan modification since the beginning of last year. During that time Chase/XXXX XXXX has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year before XX/XX/XXXX, before the economy took a turn for the worst and now I am on Social Security XXXX. I have had to borrow money from family and borrow from my retirement just to make ends meet. I believe that Chase/XXXX XXXX illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Chase/XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed and mailed and emailed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone XXXX. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Chase/XXXX XXXX, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in XX/XX/XXXX and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Chase/XXXX XXXX is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I do n't want charity, I just want what is fair and right.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello. In assisting a client with loss mitigation procedure, Ditech ( formerly Greentree ) servicing is refusing to acknowledge a recorded quit claim and letter of explanation and is demanding that the client get divorced. The divorce is an issue because the wife does not want to share her retirement savings. She has left the property and signed a quit claim. Her income no longer is utilized for the purpose of household debt. I believe this is an extravagant request considering that XXXX XXXX is attempting to get his affairs back in order after the breakdown of his marriage. I thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I RECEIVED SOLICITATION FROM CHASE DUE TO MY OUTSTANDING CREDIT AND COMPANY NEVER TRANSFER THE BALANCE AND ALSO CONTINUE TO CHARGES ME INTEREST FEES THRU OUT THE PROMOTIONAL 15 MONTHS STATED AS ADVERTISED AND PROMISE NO FEES/ INTEREST ... IN WHICH IS VIOLATES OF ... DECEPTIVE BUSINESS PRACTICES, BAIT N SWITCH, VIOLATES TRUTH AND LENDING ACT, FCBA AND FDCPA '' ..ALSO I DID NOT RECEIVE ANY NOTICE IN TIMELY MANNER OF BILLING STATEMENT AS REQUIRED PER FCBA

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Forbearance / Workout plans

Complaint: I attempted to contact Sam 's Club to get my payment reduced. However, Once it was being transferred to customer services i got a number code ( XXXX ) and the phone hunged up. I have been with Sam 's club for sometime now. In the past my payment history has been in great standings. However, I had a change in job where my income has decreased tremendously and I can not afford to keep up with the payments. I have been late frequently and Sam 's continue to add more late fees that causes the balance of my Sam 's club account to increase. I am being charged XXXX for late fees and XXXX for interest charge on purchases where I have not used my Sam 's card for over almost a year I 've been sending payments and my last payment was {$130.00}. I just can not get caught up. I am asking that Sam 's Club would lower my payments and interest rates as where so I can be able to pay them 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 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several months ago I started receiving debt collection letters from Transworld Systems Inc . The first letter had my name spelled incorrectly and my address incomplete. I called the company to dispute the debt ( allegedly from " XXXX XXXX, '' a company I have never done business with ) and they said they would get me more information about when and where this alleged purchase was made. I never heard back from them with additional info, but did receive a phone call a month later asking me to pay the debt. I told the representative that I did not owe this debt and ended the call. 

In the past several days I have received two more collection letters from Transworld ; XXXX has a creditor of " XXXX XXXX , XXXX '' and the other has " XXXX XXXX XXXX , XXXX '' My name and address are now correct ( likely because I told them the correct spelling and address when I called about the first fake debt several months ago ). After the second letter arrived, I called Transworld again to dispute the debt, and again was promised more information that never materialized. Today I received the 3rd letter and am not even going to bother calling this dishonest, unlawful company this time. 

I am being harassed by this company with these repeated letters attempting to collect debt I do not owe. The amounts are fairly low ( the most recent letters were for {$50.00} and {$29.00} ) but the fact is that I never did business with these companies and do not owe them any money. I would like these fraudulent attempts to scam money from me to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX I filed a Chapter XXXX XXXX Bankruptcy. I completed the plan and in XX/XX/XXXX it was discharged. Seven years have passed since I filed the Chapter XXXX XXXX Bankruptcy which is the statute of limitations for reporting a Chapter XXXX XXXX Bankruptcy as public record. I have repeatedly asked Equifax to remove this information from my credit report. They have reported to me and the CFPB repeatedly that they have, yet as the attached document shows they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had an arrangement with  XXXX   XXXX  and was able to make the monthly payment.  ( Approximately   XXXX   XXXX   XXXX   ). Somehow a company by the name of Naviant took over   and my arrangement stopped. I could n't make the {$50.00} payment any longer and could n't reach  XXXX   XXXX  to try and fix and/or renegotiate another monthly amount. I am  retired  and on a fixed income of less than {$1000.00} per month income for both Social Security a nd   OMB Federal Retirement.        I 've paid my loan religiously for many years and want to continue paying it ; however, I can no longer afford a   XXXX   XXXX   XXXX  payment. I have to constantly renegotiate with my creditors each month to pay them as my overall bills  ( rent, utilities, credit cards, etc. ) is more than I currently take in. My health does not allow me to get employment so all I have to live on is my income of less than {$1000.00} per month. I do get {$16.00} per month in food stamps and go to other agencies ( food bank ) and Senior Services to help with food.      I 'd like to pay this and hopefully can get an extended arrangement with  XXXX   XXXX  if at all possible.     Thanking you in advance.      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 06/22/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection company is trying to make me pay a collection fee for a debt that I paid years ago to the doctor and I do n't know how this company thinks it can collect from me. Their statements shows an original balance of {$0.00} but they want a collection fee of {$7.00}. They are threatening if I do n't pay, " Do not delay. Credit information is now being accessed for employment & apartment qualifying ''. Another threat is " Procollect will delete your account from your credit report and reduce the balance by 50 % if payment of {$7.00} is received in our office no later than XXXX/XXXX/2015. " I do not owe any debts and this is a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!

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 07-09-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I BEEN WITH WELLS FARGO BANK FOR XXXX YEARS I NOTICE MONEY BEEN MISSING IN MY ACCOUNT SAYING ITS OVERDRAFT FEES ETC THEY DONT CALL OR ONCE IN A WHILE SEND ME BANK STATEMENTS WARNING ME IF I DID THEY STILL TAKEN MONEY OUT MY I CALL AND BANKERS PUT ME ON HOLD WITH NO ANSWERS I FEEL THEY STEALING FROM ME I CANT TAKEOUT WHAT I DONT HAVE THEY OR SOMEBODY MAKEN A MISTAKE TAKEN MY HARD EARN MONEY I NEED ANSWER I SEE THEY GO LOT COMPLAINTS I DONT THINK ITS XXXXRIGHT TO STEAL IF U DO FROM THEM U GO TO JAIL BUT IS IT LEGAL TO STILL FROM HARD WORKING PEOPLE WITH FEES THEY DONT KNOW NOTHING ABOUT I CALL BUT GET NO ACTIONS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As of XX/XX/2016 I paid in full my debt with XXXX cable. A collection agency by the name of Enhanced Recovery Company is reporting to my credit reports that I still owe XXXX as of XXXX/XXXX/16. I have contacted XXXX several times and they have sent request to the company to remove this false information but even when I disputed this false debt the company reported that I still owe XXXXtheccompany reported to the credit bureau that it 's still a current debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX ,   XXXX    and equifax ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) from my  credit reporting agencies.   i would greatly appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midwest Recovery has placed a collection on my credit report but I know nothing about the debt nor have they contacted me with a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it concerns, Fay Servicing continues to send the paperwork to wrong law firm over and over again. They have now sent a XXXX to my previous firm who failed to forward the document. I demand, let me say that again, DEMAND all of the paperwork and supporting documentation for the XXXX. I want ALL of the accounting records and proof that it should be issued. Because you took my property with faulty paperwork and sold it. The debt was paid in full now. I ca n't believe how many times I have filed complaints against this company and they break the law and ask forgiveness. And they get away with it. So, I demand a copy of the XXXX and all accounting records for proof. Please send it to the correct address this time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This company is the worse I paid the car off  XXXX  2016  wrote a check for  XXXX  check cleared my account and i have a bank statement that show this.   XXXX   XXXX     XXXX  repoed my car  XXXX  2016  for non payment. I sent the bank statement to them it took me 30 days to talk to someone and all i got out of her was can we do a  three  way call with the bank. My bank informs me that not only will they not do a third party phone call thats related to sensitive personal information they would n't even give me my account number over the phone. So that was it no more working with me my credit tanked  XXXX  points because of a fraudulent repo and  XXXX  for a car I no longer have these people need to be shut down we have enough fraudulent corporations in America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am writing t inform you that Barclays is not my account. I believe thatit is fraud. I want it removed from my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: GREETINGS, I MADE ATTTEMPTS AT REACHING OUT TO ALL THREE CREDIT BUREAUS IN REGARDS TO INACCURATE INFORMATION THAT I DISCOVERED ON MY CREDIT REPORT. TRANSUNION REPLIED THAT ALL INFORMATION HAS BEEN VERIFIED AS ACCURATE, I AM UNSURE OF WHAT MEANS THEY HAVE USED TO PRODUCE THEIR VERIFICATION, HOWEVER, I SATISFIED BOTH OF MY CONTRACTUAL AGREEMENTS WITH XXXX XXXX XXXX XXXX AND XXXX AND NOW THEY ARE BOTH APPEARING ON MY CREDIT REPORT. PLEASE HELP ME RESOLVE THIS ISSUE. I FEEL LIKE THESE BUREAUS ARE HOLDING ME HOSTAGE.

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 03-01-2018 about Debt collection (Other debt) with MRS BPO, LLC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief