milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In XX/XX/XXXX I signed up with XXXX XXXX, a company that 's affiliated with Equifax to monitor your credit. I am a victim of Identity Theft and this monitoring product allows you to lock and unlock your credit file. On XX/XX/XXXX I tried to unlock my file to get my credit reports. There was an error message that read " Temporarily unavailable ''. Since it was XXXX I had to wait to speak with a Customer Representative. On the XX/XX/XXXX I tried to unlock my credit file again, but this time the error message was " Request failed ''. It has been reporting that error ever since the XX/XX/XXXX. I  contacted XXXX XXXX and informed them of the error message. They told me that I had a Security Freeze and I needed to speak with the Freeze department. I was connected and after speaking with them, I was informed that I do n't have a Freeze that it 's an issue with XXXX XXXX. I called back and spoke with another Rep who basically told me the exact same thing that I had a freeze and there was nothing that XXXX XXXX could do about it. They told me they would escalate it the IT department and I would receive a phone call in 24 to 48 hours. I never received a call. I called back on the XX/XX/XXXX and spoke with a supervisor that assured me that the problem would be fixed in 24 hours. It NEVER was or has been. I have been dealing with this since XX/XX/XXXX. I asked how long it would be to fix the problem and a supervisor told me that she did n't have time frame of when it would be fixed. This has caused major problems for me. I am trying to buy a house, but the Mortgage company is unable to pull my Equifax Credit Report. I think it is totally unacceptable for a company to be able to do this to consumers without any explanation and with no regard for how this would affect their lives. I went to Equifax because i thought it would hep me, instead it has only hurt me. Until this day, XX/XX/XXXX my Equifax Credit file remains Locked and no one seems to know what 's going on or how to fix it. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.

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 08/30/2016 about Credit card () with WELLS FARGO & COMPANY (FM).
Issue: Closing/Cancelling account

Complaint: Wells Fargo is stating that someone closed my account on XX/XX/2010. I have spoken to every member of the wells fargo bank and they do n't have any record who closed the account. I am in good standing with them and this closed account is affecting my credit report. 
WELLS FARGO CARD SERVICE XXXX XXXX XXXX XXXX XXXX, IA 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Senex Services Corp. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The collection account was deleted off of my XXXX  and XXXX credit reports but keep showing up on my XXXX report and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with World Omni Financial Corp. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts to rectify this matter with World Omni Bank, XXXX, and XXXX. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Eaton Group Attorneys LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Eaton Group had contacted me back in 2002. I was a victim of identity theft following a house fire and i disputed the debt, provided paperwork to them and requested verification of debt. This company falsely claimed service, obtained a judgement, leaned my house and are garnishing my wages all on an account I have ZERO knowledge of and disputed from first contact. They ignored requests for normal standard credit debt information and sat for XXXX years before garnishing my wages. THIS SHOULKD BE ILLEGLE XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit line increase/decrease

Complaint: American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (VA).
Issue: Struggling to pay mortgage

Complaint: I HAVE RECEIVED AN APPROVAL FOR A FORBEARANCE AGREEMENT ON XX/XX/XXXX STATING THAT I WAS APPROVED FOR A PAYMENT OF {$0.00} FROM XX/XX/XXXX THROUGH XX/XX/XXXX. NO DOCUMENT NEEDS TO BE SIGNED OR CALLED ON, ONLY IF I HAVE QUESTIONS WHICH STATES ON PAGE 1 OF 4. I AM COMPLYING WITH SETERUS REQUEST AND THEY STILL SOLD MY HOME ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The aforementioned credit collection agency representing  XXXX   XXXX   XXXX   XXXX  has violated FCRA by not providing documents to me in regards to this debt, my HIPAA has also been violated because they have not provided me signed documents with my signature on anything where I have giving my permission for anything pertaining to this debt. This account is unverified and immediately needs to be deleted from my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all of the documents that they have recorded or retained in their files pertaining to this " debt ''. If  Medical Data Systems  does not have any documentation, they need to retract this from my credit file immediately.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: My Experian credit report is not pulling back any information, after having over 8 years of credit history. I 've talked to countless representatives who have only transferred or referred me to other departments who have not been able to resolve the issue. XXXX XXXX of 2017 was the last time I was able to view my credit score and report on the paid version of Experian.com. For the last two months I have been trying to review my information, look for changes or updates and the system will not refresh, even though it tells me there 's an update available. When calling, every representative tells me that my credit report is n't showing any information, then they ask me a series of questions that are not related to any of my account history. I was recently told- over 30 days ago, that I would receive a credit report so that I can review it for accuracy and they will resubmit my information into the system to pull a score. I am unsure what information they would be sending since they have previously advised me that I have no information in their system all of a sudden, and needless to say, I have yet to receive that report that I was promised. <P/>I would like my credit report fixed, reading accurate, and I want to be able to view my current score for free since I have previously paid for service that I have not been able to use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Originally this debt appeared on my credit report XX/XX/XXXX of 2015. ProCollect appeared on my credit report as a collection agency XXXX for {$690.00}. I currently live on the this apartments XXXX and i had never lived on this apartments before. I move in to this apartments XX/XX/XXXX 2015. I contacted ProCollect to let them know that the debt did not belonged to me, but they were not able to locate that account that appeared on my credit report.So, i disputed this account XXXX i send them a copy of my social security and my driver license. XXXX removed the account from my credit report but XXXX did not remove the account stating that ProCollect had validated the account. I made several attempts again to contact ProCollect and i had to go through a lot of loops to find a person that was willing to help me, i explained him my situation he was not able to find that account with my personal info he had to search by the apartment complex and he located an account that was under someone else name. that person had my same last name so he told me to send them my personal identifications and a copy of my dispute XXXX that it seemed that my social security was attached to the wrong person. So i send those documents and i also disputed the account XXXX again. The re-investigation was finished on XX/XX/XXXX 2015 and once again XXXX is not removing this account from my credit report and ProCollect is not willing to help me on this matter every time i call they are unprofessional and they are not able to locate an account under my social security or legal name but they are putting something on my credit report that they dont have record of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian in reference to some fraud activity in my credit file. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is an address of XXXX PA XXXX which I have never been associated with. Seondly the credit accounts have been removed. As I stated and provided proof I was incarcerated until XX/XX/2016. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below and the address mentioned above. 

XXXX XXXX Bank Date:XX/XX/2016 XXXX Date:XX/XX/2016 XXXX Bank XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XXXX XXXX XXXX makes it virtually impossible to cancel membership. They require you to call this number : XXXX - then they tell you to hold for 2 hours! How is this legal? You can sign up online - but you cant cancel your membership online.

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 04/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Account opening, closing, or management

Complaint: The terms for the fees on my checking account changed without my knowledge. I am now being charged a $ XXXX/mo fee because the minimum deposit amount changed from $ XXXX/mo to $ XXXX/mo for their workplace banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: In XXXX, my wife and I got a modification for our mortgages. 
From the XXXX bureaus they were reporting late payments. 
I pulled my credit report and the mortgage was supposed to be reporting positive but did n't. I called my lender in XXXX XXXX to find out why my loan was not reporting positive and was told that my wife filed a chapter XXXX in XXXX and they can not report any activity to the bureaus unless my wife 's attorney re-affirms the loan. Later on I filed an online dispute with all bureaus. XXXX updated the file and closed the account. XXXX did the same. XXXX verified the information and it remains. This has lowered my scores.

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 04-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to refinance my loan through a different lender than my current lender nationstar. My new lender received a pay off from nationstar mortgage which currently holds my mortgage. The pay off received shows principal owed and lender paid expenses. They show XXXX in current principal balance and show XXXX as Lender Paid Expenses. How it 's written on their mortgage statement is XXXX interest bearing principal balance, XXXX non interest bearing principal balance and XXXX lender paid expense. The main problem with the pay off received is that, nationstar is adding my non interest bearing principal balance of XXXX with the lender paid expense of XXXX and showing it as a giant lender paid expense of XXXX. My new lender is not allowing my refinance to go through because nationstar is inaccurately showing XXXX as a lender paid expense. This is giving the indication that Nationstar has incurred this much in expenses while servicing my loan which is inaccurate. My current mortgage has been modified through the XXXX program and it was divided into an interest bearing and non interest bearing principal amounts. nationstar shows this accurately on the monthly mortgage statement but, they are showing it inaccurately on their pay off statement. Under the new refinance program I am trying to refinance through, XXXX, it does not allow for any lender paid expenses to be paid, only principal amounts owed. Nationstar is unwilling to correct my pay off to reflect accurately and therefore I am not able to refinance with the new lender under the XXXX program. Nationstar is causing me harm with their servicing of my loan at this time. Need help getting this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (AR).
Issue: Unexpected or other fees

Complaint: On XX/XX/XXXX 2017 I became aware that my card number had been used by someone other then me to make reservations and for some XXXX that I never heard of so Immediately I called to lock my account I had just put {$400.00} o the card earlier that day for some things I had planned to get for my children for school. I checked my account before I went to bed like I do every night to discover my balance was lower then excepted I placed a call to american Express Serve. in all I think It was like 12 unauthorized charges to my account. That 's a XXXX dollars that I could n't get back and I need my money. I discovered them on X/XX/2017 XXXX for 11 charges to XXXX and 1 charge to travel reservations. I sold my truck deposited my money on to my serve card the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

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 03/16/2017 about Mortgage (VA mortgage) with Seterus, Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I began a refinance process of my current mortgage back in XXXX of 2016 at that time the current rates were XXXX percent on a 30 yr fixed rate VA loan. There was a previous problem with the posting of my payments which I did not find out until I started my refinance process. I am now completeing my refinance and the current interest rates are XXXX. I believe that since the mortgage company has caused me to delay my mortgage process because of their mistake which took them over 8 months to correct it has cost me in my refinance. I would like for Setarus to pay the current mortgage company the difference to buy down my current rate to XXXX from XXXX. Or they can pay me the difference in the total payments for the next 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Private student loan) with NELNET, INC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I were not inform of any payment arrangements, nor did I received any letter of changes to my account. When in accutuality my loan was on forbearance and not.it in on the income driven program. 

So no the reason why late payments is on my credit report, I gave no idea? I Never had to make any type of payments since I was approve back in XX/XX/2006 until now. So maybe it was a mis hap on there part. But I never agree or sign any form make payment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MO).
Issue: Problems when you are unable to pay

Complaint: On or about XXXX XXXX, 2015. Ally Finance repossessed my truck at XXXX days late payment and charged me XXXX payments and tow fees prior to my loan being XXXX days late. They refused to give me any paper work pertaining to the repossession or explain their policy. The contract is not clear as to a time limit for bring late on payments that will push you in to default status. Ally then failed to see my property was returned to me once I payed the money owed and fees. The company they sent to recover the truck was overly aggressive and scared my family as my family felt they were more the victims of a home invasion. The recovery company pulled excessively hard on my front screen door and brutally beat on it. Then proceeded to yell at me in an obvious attempt to incite a negative response and incite may-ham. I had to tell XXXX the owner of the recovery company XXXX '' I can hear you stop yelling all over the neighborhood ''. 

After paying the requested amount of money to Ally. I was not able to recover my truck and was made to wait while the recovery company owner repeatedly lied about getting the release letter for my property. I was unable to recover my property from them until or about XXXX XXXX, 2015

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