milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy is incorrectly being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: RFC XXXX {$2000.00} and XXXX Amount {$1500.00} are reporting on my account and both are the same thing. I have no knowledge of this debt and Equifax continues to say they verified but will not tell me what evidence they based this on. I have contacted XXXX and they stated the account is listed with the debt collection CRA. The company has no agreement of signature binding me to this alleged debt. They state that a live check was sent to an address that I did n't live at. Equifax did n't follow guidelines as specified by XXXX or else they would 've removed this account from reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Someone other than myself opened a  Capital One credi t card account using my email address. I do not have any association or accounts wit h Capital One.  I 've contacte d Capital One to  determine if the person used any other info of mine, and it seems like they did not ( my  SSN  was not in the system, for instance ). However, since I am getting their emails that only contain the last  4 digits  of their account number, I do n't have enough account information for them to stop using my email. When I call, I ca n't provide the full account number, or the account holder 's SSN or name. But obviously the person associated with that account should be getting the emails. Could you help me get  Capital One  to stop sending me emails meant for another person?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with FBC MORTGAGE, LLC (WA).
Issue: Settlement process and costs

Complaint: I locked in a refinance rate of 3.875 % on XX/XX/2017. Underwriting complete, loan was preapproved. On XX/XX/XXXX I was told rate is going up to 4.125 % due to manual underwriting. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed the collection of XXXX CREDIT ... once investigation was completed the account was deleted XX/XX/XXXX ... ..but account is still reporting on my credit because THEY HAVE REINSERTED IT I am attaching the confirmation letter ... FCRA states I would have to b notified by credit reporting agency before reinstating an acct THEY DID NOT DO THAT AND ARE IN VIOLATION OF THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been working with a consumer financial educational consulting service to improve my credit scores at XXXX major credit reporting bureaus, Equifax, XXXX, and XXXX. In general I have had good service. However, in comparing information from all XXXX bureaus, I noticed a conspicuous absence of XXXX successful, perfect paid, accounts from the Equifax report, that were reported on the other XXXX bureaus. In Equifax 's notes at the end of my report, they say that the number of derogatory account exceeds my successful accounts, AND THIS IS ONE ITEM THAT EFFECTS MY CREDIT SCORE. 
So, moving forward I telephoned each of the XXXX past creditors to inquire if they report to all the credit bureaus. XXXX of these was XXXX XXXX XXXX, and the other was XXXX XXXX. Both lenders said that they absolutely report to the XXXX major bureaus, the fourth being XXXX, and gave me their very strict reporting on the timing of submissions. 
I wrote Equifax on XXXX XXXX and again on XXXX XXXX, and have been ignored on this issue. I know they received my correspondence because I sent the complaint along with other requests for outside verification, which were affirmatively responded to. I quote the letter of XX/XX/XXXX : " EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ACCOUNT & XXXX UNRESOLVED ISSUE -- -- -- -- - -- -- -- -- PREVIOUSLY UNRESOLVED ISSUE I have previously written you that someone in your bureau has, inadvertently or intentionally, acted to defraud my credit, by deleting histories of XXXX successfully paid accounts. I show them below and verified : I have XXXX successfully paid off automobile loans that should remain on my credit file history for 10 years after the last payment. 
XXXX is with XXXX XXXX XXXX XXXX with never a late payment from XX/XX/XXXX - XX/XX/XXXX. 
The other is with XXXX XXXX XXXX with no late payments from XX/XX/XXXX - XX/XX/XXXX. 
When I noticed the conspicuous absence of your bureau 's reports of these, when viewing a merged credit report, I telephoned both of the above lenders to verify my accounts, and to verify that both agencies report to XXXX MAJOR CREDIT BUREAUS, and of course, yours is one of these. 
I want these positive accounts restored to my credit history as soon as possible. 
Your prompt response is required. 
Sincerely, ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Van Ru Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving numerous calls from Van Ru Credit Corporation ( XXXX ) about a delinquent debt that I do not have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (WV).
Issue: Other transaction problem

Complaint: PayPal is holding funds for item that I sold and wont allow me to have MY funds for 180 days. this is illegal in my home state of WV and am requesting the funds be released per law, IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a consolidated loan with Navient. My minimum payment for the course of the loan was {$190.00}. The last XXXX years I have paid more than the minimum payment. I recently called to return to my original payment and I was told that is impossible without applying for a new loan!

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Making/receiving payments, sending money

Complaint: After receiving several threatening phone calls from XXXX collection agency, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( Bank of America and XXXX ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.

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 01-03-2018 about Debt collection (Other debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The creditor is Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for XXXX XXXX XXXX They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is/was a ParentPlus student loan for my daughter, apparently in my name, from approx. 2012 & financed through XXXX XXXX. My daughter ended up on academic probation for XXXX semesters, during which we paid interest on the loan. ( I believe this must 've triggered some automated 'loan is in repayment ' mode. ) When she was reinstated, all loans went back into deferment. Allied Interstate called me about this loan once approx. 2 years ago, and I explained the probation/deferment situation. I understood this to be the end of the problem. I heard no more until XXXX of this year, when I got a notice from my employer about garnishment! It 'd been sent to default erroneously, a month before my daughter even graduated! I contacted Allied, & was given different numbers, amounts, and instructions each time- but no one could tell me any of the specifics of the original loan so that I could provide proof of deferment. I finally got it escalated to a manager who was able to tell me the amount of the original loan. Through a great deal of research, my kid was able to find the detailed evidence we needed on her student portal. I faxed this proof in as instructed, 2 1/2 months ago. Despite my sending proof and several follow-up requests, I 've yet to hear back or see my paycheck restored. When I call, they tell me to call the Dept. of Ed. ( When I call DoE, they say talk to Allied! ) Meanwhile, I 'm left without the funds to cover my XXXX, as they are taking out {$600.00} every month. Loan Ref. # 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 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello I have a bill for a cell phone i took out for a friend of mine in 1999 the debt is on my credit report as a civil judgement. I called the collection agency bcs i stalled on paying back bcs like i said i did not feel i should but i know it is my social and my information on the debt. it was originally {$850.00} and that is on my credit report. Now i called them and they want to charge me a daily rate of 4 % on the balance which according to them is {$1800.00} they wont stop the intrest accruing daily or work with me to reduce the debt i want to pay off. 

Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A Comenity Capital Bank card/Virgin Airways card was applied for XXXX/XXXX/2016 however the application was not approved but the fraudulent inquiry was found on her XXXX credit report. A dispute of this inquiry was sent to Comenity Capital Bank as well as XXXX however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Debt collection (Credit card) with Altisource Portfolio Solutions, S.à r.l. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company has never sent me a notice of the debt, and has simply reported the debt to the XXXX credit reporting companies.. When sent a request for verification of the debt, the company said they they could not provide me with the information until I provided them with a utility bill or insurance card with my physical address on it. I do not have either of these because I do not pay such bills. They refused to accept a copy of my state-issued drivers license, and will not provide any information about the debt besides for the balance, which I do not believe I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: I  applied for a modification with SPS Servicing , Inc. However,  I received a denial letter dated   XXXX   XXXX   XXXX     advising I am not eligible for any retention loss mitigation options. However, after reviewing the denial letter they sent me the income they used in determining if I am eligible for assistance is {$1200.00} however, that is not the income I provided. I provided a profit and loss in the amount of {$4200.00}. Therefore, I want to know how they arrived at a figure less than what I provided. Furthermore, I have an ARM mortgage with an interest rate of 7.40 % therefore, I find it unlikely that I can not qualify for a lower interest rate to help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Mortgage) with Advanced Collection Bureau, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX at approximately XXXX I received a call from XXXX XXXX with advance collections bureau in regards to account XXXX creditor XXXX XXXX {$1700.00} I was very confused when I received his call I had no idea what he was taking about I asked XXXX to please provide documentation for what he was taking about he later sent me an email with a move out invoice a lease agreement from XXXX XXXX apartments after I review the information I recognize the account o signed 6 months lease for apartment number XXXX XXXX XXXX with XXXX XXXX apartments in XX/XX/XXXX. 2 weeks into the lease the apartment upstairs cought on fire and I was ask to move out because my apartment had water damage and the roof could collapse. Now a year later I receive a call from a collection agency claiming I have a past due balance with XXXX XXXX apartments for apartment number XXXX please note I never signed a lease for apartment number XXXX. The lease I sign was for apartment number XXXX. Today XX/XX/XXXX I received another email from XXXX with a different amount of {$1000.00} but again no lease agreement for apartment number XXXX. He sent me a copy of the lease agreement for apartment XXXX where it shows clearly that someone changed the number XXXX to a XXXX. Please see images below.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with Quality Asset Recovery LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: About 3 years after initial date of service I received a bill from the creditor. I contacted them and indicated I had insurance why did they not bill the insurance. They stated they did but an Explanation of benefits was needed. I asked what that was and was told I needed to pay the money and I could go argue with the insurance company they submitted the information once and that was all they were doing. The initial date of service was from  XXXX . Finally in  XXXX  of  XXXX  after arguing with the insurance company for two years I was able to get them paid. However, there was an outstanding balance of {$150.00}. {$70.00} was for no show fees. I explained I cancelled an appointment and went to an appointment. They were told they could not adjust the bills. I stated I would pay the balance minus the {$70.00} because I do not owe that. The appointment that was cancelled set me up for a   XXXX   XXXX   in the hospital for  XXXX  and the doctor said   XXXX   XXXX   first. That was their error and I should have done   XXXX   first. They stated they could not waive. Two weeks ago I got a letter from a collection agency. I stated the statute of limitations had expired and again I was willing to pay  XXXX  which is what I owe and did not have to because the statute had expired. I was told I either pay it or they will report me to the credit bureau. I told them the statute had expired and they could not do that. She stated that she could and would.

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 06-07-2017 about Mortgage (Other type of mortgage) with CIT BANK, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: XXXX XXXX, 2016 in the XXXX County of Deeds, CIT Bank, f/k/a Onewest Bank, N.A. duly recorded a Deed on Lieu of foreclosure ( document number : XXXX ) for the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ( " XXXX XXXX '' ). XXXX XXXX  property Identification Number ( " PIN '' ) is XXXX I only conveyed XXXX XXXX to CIT. However, a closer look at the legal description attached as " Exhibit A '' to the Deed indicates that the PIN XXXX, belonging to the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX ( " XXXX XXXX '' ) was included. <P/>The property with the PIN ending in XXXX was retained by me and is encumbered by a Mortgage with XXXX XXXX XXXX, which I pay monthly. CIT 's error has caused the land ending in PIN XXXX to be sold and conveyed to other entitles, which are not entitled to have the property. I 've made a formal demand for CIT Bank to correct the deed in the XXXX County Recorder of Deeds office, they refuses to make the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech allows mortgage consumers to make biweekly. I have for 7 months been making biweekly payments and they are NEVER applied correctly. The extra funds are not being applied to the principal as indicated on the biweekly application. Every month I get notices that I am behind because my payments are held in suspense. This month XXXX XXXX I get a call that my payment is 27 days past due. WHY? because once again the payment has been posted incorrectly. I have spoken to manager after manage and they cant get it right. I have been told that their system can not handle biweekly payments, SO WHY OFFER THEM THEN? I have been attached late fees almost every month. No one at the company can get it right. Enough is Enough. This company is a scam and incompetent. Every person that you speak to has no idea of ANYTHING!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On X/X/17 a Federal Benefit Credit ( Social Security ) for {$41000.00}, was deposited to my checking account at USBank. I went to the bank that day and spoke to XXXX XXXX who told me i would have to wait until XXXX to make sure it cleared? I didnt argue but I went back on XXXX to withdraw the full amount. XXXX XXXX told me he could only give me {$15000.00}, cash and would " order '' the rest and it would be Thursday XXXX before I could get my XXXX I made him give me a Cashiers Check for {$24000.00}, as I didnt want to leave the $ sitting in my account. I need the money now! I called him the morning of XXXX and asked him to contact the other 4 branches of USBank and get me the rest of my . He got nasty and said " I told you I wont have your $ until XXXX ''. I told him that was unacceptable and I need my $ now. We had words and he hung up on me! I called another branch and got the name of the " District Manager '' XXXX XXXX. I called him 3 times and left messages on voicemail XXXX. He still hasnt called me! This morning I called him and left message that I was filing a complaint with Consumer Finance.gov. Bottom line is they wont give me my funds. There is no excuse! PLEASE HELP ME! 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 non-monetary relief
Consumer complaint received 09/15/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint because my Mortgage Insurance Company raised our Insurance {$140.00}, after we filed a claim for Hail Damage on our Home. The Increase took place immediately after our home was damaged because of a Hail Storm hit our Property. We do n't feel like its fair to raise our Mortgage Payment {$140.00} after the storm hit our House. Our Payment increased from {$1300.00} to {$1500.00} from XXXX 2016 to XXXX 2016.

Company response to consumer: Closed with explanation