milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A collector called extended family some that we have n't been in contact with in over 20 yrs. calling up to XXXX a day. The collector then said they needed to pay what we owe. This was after threating my husband with an artical XXXX. We also received a notice of collection due by XXXX yet we did n't arrive until the XXXX. The also set up a payment from our account even after we said they could n't pay then and did not authorize the attempted withdraw

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: They refuse to make an arrangement with me. 
They will not discuss other options to help me get this paid. 
They assume i can only pay XXXX a month when we have not went over a budget. 
They are very rude by telling me they cant help me and more than XXXX occasion hung up on me. 
XXXX told me several times she will not work with me and she will not take my payments. 
XXXX told me to send in my payments. 
They have bad communication skills. 
They treat me badly when I just want to pay my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon looking at my credit report. I discovered that the companies listed have placed credit inquiries on my report that I have no knowledge of and did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX I have spoken with the companies and Trans Union and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by 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 07/13/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: The IRS has placed a lien on the property of XXXX XXXX XXXX XXXX, XXXX CA XXXX. On XXXX XXXX a person tax lien. 

The IRS can not accept payment from an unknown party with no legal standing to ask to have removed a tax lien to commit civil fraud against me and the estate of XXXX XXXX. The estate has not been probated and the debtors and creditors have not been heard.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Sale of account

Complaint: I had XXXX credit card accounts with Chase bank back in XXXX. XXXX went into default and I eventually settled XXXX of them with Chase in XXXX 2010 using my Chase Checking account to make the payments ... years later Chase either sold or " placed '' a settled account with XXXX XXXX and now XXXX XXXX has been on my credit report and has been trying to collect on me for years. I have written to Chase and to XXXX multiple times over the years and have filed formal disputes with XXXX and XXXX. XXXX finally deleted this false report but XXXX did n't, and I have no idea what XXXX shows. Regardless, I have made multiple efforts over the years to get XXXX and Chase to validate this alleged debt and they have failed to do so each time. I feel as if I have no other possible recourse to resolve this matter because my written disputes are essentially ignored by XXXX and they make absolutely zero effort or attempt to validate their debt and supposed claim to be able to have this on my credit. XXXX also provided no specific response other than to say they are updating my report to reflect that I have disputed this, but they did n't address the substance of my claim or Midlands complete refusal to validate the debt they are claiming is owed. 

Please help me find someone, somewhere, who can help make XXXX accountable for their own obligation of validating an alleged debt, because they flat out refuse to do it on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am still XXXX and have tried dealing will of these issues. I have not worked since XXXX, 2015. I am still disputing their mortgage amounts, they continue to charge me for an impound account my loan amount is XXXX the letter states XXXX. I am attaching a letter with the last mortgage payment returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with United Collection Service, Inc (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: Ever since Bank of America took over my mortgage from Countrywide, I have had problems getting my homeowners insurance on record. 

I buy my own homeowners, it is effective on XX/XX/XXXX. There has never been a lapse. With Countrywide, no issue. Company faxed the coverage, went on record, over and done. With Bank of America, each year, proof of coverage has to be faxed, and refaxed, sometimes 3 or 4 times. 

This year, I called the insurance company, prior to the effective date, and asked them to please fax the proof of coverage. They did, said it went through. In my ignorance, and not hearing from the company, thought, this year was different. No such luck. 

Received a letter saying they were increasing my monthly mortgage to cover the insurance they put on the house. I called said, no, there was homeowners, effective XX/XX/XXXX. Also said proof of insurance had been faxed to them prior to XX/XX/XXXX. Person on the phone asked to have it refaxed to a different number. This was done, called and was told they had the fax, all was well. Received a letter saying the additional monthly payment was taken off. Which I foolishly thought took care of the matter, so burned the letter. 

Today have an email saying to pay the additional or my credit would be effected. 

I do not know what to do, say, plead, threaten to get this over to them, homeowners is paid, proof is sent ( have asked so many times to have it refaxed it has become an issue with the agent and me ) every year. I do not owe for what they can not take care of. How do I handle this? 

A few years ago had a response from some vice-president apologizing for the problem. Does n't seem to have improved the situation. 

Where do I go from here? Is there something you can do?

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( XXXX, Equifax, XXXX ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is XXXX, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX XXXX. Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington mortgage has mis applied payments to the acct # XXXX. Payments were sent to mortgage lender as agreed and they did not apply the XXXX XXXX payments timely. They applied XX/XX/2016 payment in XX/XX/2016 its notated on mtg statement. XXXX XXXX payment for XX/XX/XXXX was never applied to the acct and the lender stated they have no record of any payments. We sent proof of payments to the research dept several times with no response from research dept. Perm modification was issued in XX/XX/2016 with a new due date begininig XX/XX/2016 and that payment was not recorded for XX/XX/XXXX but XX/XX/2016 which has caused my client to default on perm modification which is not their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: XXXX   XXXX   XXXX  has a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US ban king system. I 'm a good citizen with no arrests and my record is very clean. I am  XXXX  and have been   XXXX   over 20 years. I 've recently read tha t Bank of America a nd   XXXX   XXXX   XXXX   is targeting  African Americans b y putting a fraud statement in their Systems which prevent them from opening accounts. This is not fair or right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: During the entire time that Navient has been servicing my student loans, not once have I been offered the option of an IDR PLan because I could n't make my monthly payments. I have been unemployed since XX/XX/XXXX and have been reapplying for various deferments and forbearances. I have maxed out the allowed deferments that I 'm eligible for and now that my last deferment is ending in XX/XX/XXXX, I thought that my only option of deferring payments was through voluntary forbearance. It was n't until I asked about IDR Plans is when the option was ever suggested to me. I even asked the CSR about the different options that are offered under IDR Plans. The CSR acted like there was only one option available to choose from. On the Navient website and the Federal government 's Financial Aid website, I know that there are 4 options that I could possibly apply for : REPAYE, PAYE, IBR and ICR. I wish the CSR could have been more knowledgeable because she acted like I did n't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I attempted to purchase {$2000.00} in bitcoin from Coinbase inc. Their mobile app froze and i went to do it on a computer. Unknown to me they duplicated the transaction. So instead of {$2000.00} it was {$4000.00}. I contacted them to explain for which they told me tough luck. I contacted my bank to alert them and they took steps to stop the duplicate. However according to a support specialist at coin base, they decided to take {$2000.00} from me to cover that transaction. This makes no sense as my account went from {$4000.00} bitc coin to XXXX. Im not sure why they took the othetr {$2000.00} our and when I asked them where the money went nobody knows. So basically they stole money from my account and made is mysteriously disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint is in reference to account XXXX with Enhanced Recovery Corp. According to my credit report ERC took over this account from XXXX in XXXX of 2016 in which I was not aware of this account until ERC listed it on my credit report XXXX/XXXX/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( XXXX ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On XXXX I made payment to the Original creditor ( XXXX XXXX ) in the amount of {$160.00}. ERC was notified by the original creditor the payment day ( XXXX/XXXX/2016 ) that the account was paid in full and as of today has not reported the correct account information which has caused me to be denied credit. As of today after multiple disputes on this account ERC continues to report false information to the XXXX reporting agency which is a FCRA violation. For the last 6 months ERC continues to update XXXX reporting agency and list the account as an unpaid collection and with a balance owed ( {$160.00} ) in they are aware that the account was paid in full on XXXX/XXXX/2016. As of today I am prepared to sue ERC for not providing complete and accurate information to the credit bureaus and for not correcting inaccurate information in my report upon credit disputes. This is not acceptable for ERC to knowingly participate in unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Was checking free credit report and there is an address from XXXX that I never lived at. I have been living at current address since 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 non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: According to the FCRA, this isnt an account pursuant to 1681 ( a ) ( r ) ( 4 ), therefore this error should be removed. Your company is overlooking this important aspect of my reason for my dispute which your company has fail to verify now Im requesting physical evidence from your company. Im not looking to sue your company just looking for the most accurate complete data in my file. 
Please send me the proof that I gave any outside agency the permission to report any accounts OR NON ACCOUNTS please provide me with verified and valid contract on file that i have with XXXX XXXX XXXX ACCT # XXXX iVE ASK XXXX FOR THIS INFORMATION AND THEY DELETED THIS OFF MY CONSUMER REPORT i HAVE ASK EQUIFAX ON MANY DIFFERENT TIMES AND THEY HAVE REFUSE TO DO SO AND THEY KEEP TELLY ME THE CREDITOR VERIFIED THE ACCT BUT WILL NOT PROVE TO ME THAT IT HAS BEEN VERIFIED. EQUIFAX IS REFUSING TO FOLLOW THE FCRA I TALK THEM EQUIFAX ON THE PHONE AROUND XXXX XXXX XXXX AND THEIR AGENT TOLD ME THEY DIDNT HAVE THIS INFORMATION FROM XXXX XXXX XXXX IN THEIR FILE EQUIFAX OVER THE YEARS WHEN COME TO MY CREDIT HAS REFUSED TO VERIFY DATA BEFORE THEY PLACED ON CONSUMER REPORT : Under Section 607 of the FCRA you Must ensure the highest possible Accuracy of the information contained On my credit report. You have not Complied with this under provision of 15 USC Section 1681i in the FCRA, I am Demanding that this item be deleted From my credit record. 

EQUIFAX HAS CONTINUED TO BREAK THIS LAW OF FCRA THAT YOU SEE ABOVE I HAVE PROOF OVER MANY MANY YEARS ON HOW EQUIFAX CLAIM THE RESEARCH OR INVESTIGATED AN ALLEGED ACCOUNT AND THEY HAVE NOT. EQUIFAX HAS ALLOWED ANY COMPANY TO POST DATA ON MY CREDIT CONSUMER REPORT UNVERIFIABLE EQUIFAX HAS NOT READ THE TERMS OF THE FCRA AT ALL BECAUSE IF THEY HAVE THE TERM ACCOUNT CLEARLY STATE WHAT AN ACCOUNT IS AND WHAT ACCOUNT ISNT EQUIFAX HAS REFUSED TO DO THEIR OWN RESEARCH INSTEAD OF RELAYING ON DOING A DEPTH RESEARCH BECAUSE IF THEY WOULD READ THE DISPUTE THEY WOULD COME TO VERY EASY CONCLUSION THAT XXXX XXXX XXXX IS BREAKING THE FCRA AND FCBA AND FDCPA. EQUIFAX HAS REFUSED TO FOLLOW THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: This letter is a complaint about PayPal 's Seller Protection and Chargeback Fees. I am posting this so others can learn about PayPal 's wrongdoing. 

Regarding case ID : XXXX, PayPal states I did not follow " Seller Protection performance requirements. '' However, I strongly followed PayPal 's Seller Protection requirements, in addition to eBay 's Seller Protection. 

I had sent proof of tracking #, eBay message confirming receipt of payment to the buyer along with their game code, buyer leaving positive feedback, and proof from XXXX that the code was redeemed. It is evident that the buyer was a scammer. 

PayPal still initiated a chargeback of {$34.00} USD plus an additional {$20.00} USD chargeback fee. There was no Seller Protection offered to me, to protect me against a scammer. This was not the only chargeback against me, as many of my eBay products were targeted by scammers - many of whom are no longer registered on eBay. This is not right and is false advertising by both eBay and PayPal for stating sellers are " protected '' by their Seller Protection. 

In a separate matter, I paid {$2.00} ( ID : XXXX ) for an eBay USPS shipping, however, the buyer also turned out to be a scammer who is now unregistered on eBay. I never used or shipped out the package. PayPal has yet to refund me on this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted my application for a modification to have reviewed once more. I submitted all my paperwork on XXXX XXXX, 2015. My income has declined since my last submission, and I have not received a call or letter to acknowledge my submission. My daughter contacted the home preservation specialist, and stated she is n't sure my information can be reviewed once more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation