milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : XXXX/XXXX balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: XXXX acct number i overpaid this loan by XXXX k trying to pay off the 2015 sienna, the refund of overpayment has been promised back to me on 3 separate occasions as i have to go intoa dealer to handle the transaction, my loan is going 30 days late, nobody is helping me, please refund the full overpayment of approx XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Payoff process

Complaint: I went in XXXX 2013 to have XXXX surgery. During the setup for the surgery when i was filling our paperwork they gave me a sedative for the surgery. They offered me a pay later form of payment and had me fill out the paperwork. I was never explained what deferred interest was or that there was any pertaining to the paperwork. I made payments for the next years and then in XXXX saw a huge spike in my payments and balance. I went back through my emails and saw the balance go from {$1400.00} approx to {$3200.00} approx ( more than the initial surgery in full ) I called to figure out what was going on and they told me that since i had not paid the balance in full all the interest would be applied to the full amount and not only that. The interest that was applied would now be accruing interest along with the previous balance. I asked how i was supposed to know when the date was coming and they directed me to my statements that were sent via email. Well i never registered for an account online so I was able to see the dollar amount owed in the emails but nothing pertaining to my account otherwise. If i clicked on the " view statement '' field of the email it took me to a register for the website area which would n't accept my account number given to me by care credit. In general this whole thing is a scam. They make it extremely difficult to even get them on the phone. They carry XXXX different account numbers which the online XXXX they can not even find because it was setup by the XXXX doctor on their own so we have NO ACCESS to it. So i was n't able to see when my payoff was due or anything like that. I really feel this is a disgusting practice and was done with the intent of duping the customer. 

Please let me know how to proceed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Credit card () with SUNTRUST BANKS, INC. (DC).
Issue: Convenience checks

Complaint: SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. 
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. 
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed incorrect information regarding a bankruptcy on my credit report. I filed a dispute in XXXX, and received a debt verification letter from Experian. I think wrote a letter to Experian on XXXX XXXX, asking for Method of Verification, XXXX XXXX, I received a generic response stating that the dispute would not be re investigated. I wrote another letter on XXXX XXXX, requesting a method of verification once again. On XXXX XXXX i received my credit report, with no method of verification. On XXXX XXXX, I called customer service and asked for the method of verification. The customer service rep said that Experian directly contacted the Courthouse and received documentation verifying the debt. I then asked why that was not included, and if they could provide the documentation from the Courthouse to me. He said they could not, because they have no documentation of verification. I asked him that since this could not be verified can you please delete the tradeline. He said they were not under the obligation to delete it since the courthouse clerk verified the records for them. I called him out on this, because i know that the clerk wont release any records to the CRA, because I asked this when I called them. It was now XXXX and he stated he would try to get me to a supervisor to get this taken care of. I was on hold until the clock hit XXXX, and he came back and said one minute, then hung up on me. This is a violation of the law, and illegal. They are reporting information, they admittedly said they did not verify. I would like to resolve this here, before I contact an attorney.

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 05/14/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Credit determination

Complaint: My name is XXXX XXXX XXXX XXXX and I opened a Wells Fargo Credit card back in XXXX of 2015. As of XXXX this year the bank had not reported any of payment activities to the credit bureau contrary to their credit reporting policy which states that they need to report all accounts on a monthly basis. 
I 'm trying to accomplish a credit history using this Credit card and as result of their deceptive and unfair business practices I 'm not able to do. I reached to Wells Fargo by phone, in writing and even went to the branch and worked with a banker to resolve the issue but it remained uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (GA).
Issue: Problems when you are unable to pay

Complaint: My account with Chase XXXX has been closed for 6 years. I would like it dropped of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KS).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: At XXXX XXXX on XX/XX/XXXX, I received notification indicating that my Citi XXXX XXXX XXXX XXXX account was being transferred to American Express. I called at XXXX XXXX on XX/XX/XXXX to request to be opt out of the transfer. I was informed that was not an option. While I was aware that the card would be terminated at the end of the year, there was no indication before XX/XX/XXXX of the transfer. I do not wish to have my account information shared with American Express and feel it is a violation of my privacy.

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 12/25/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: PNC bank is a predatory lender. They have just entered XXXX/XXXX/16 as the date reported on my credit report. This is incorrect and needs to be fixed. I have no accounts with PNC have NOT been with them for at least 6 years. PNC has not and is not an honest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with Global Credit & Collection Corporation (GA).
Issue: Payoff process

Complaint: I was at work and a lady called and said she was a tracker and I was going to be served papers at my job .I asked her what was it about she told me.she could not tell me I had to call the number she gave me.them when I called I asked the lady was this tracker person a police. She said yeah she just like the police.we hired her to serve you papers and find u.but I had a credit card with XXXX and they sold my account to a credit card agency.The lady from the collection agency told me if I did n't pay the debt she was going to have me served and possible legal Action.but once I gave her my bank card number she pretty much told me I had no choice to pay this and if I did n't it would be serve actions behind it.the funny thing about this is I called XXXX and I have XXXXdifferent cards with them and I was told if I want to pay them off I could call them and once I pay them off I could reopen the card.I also asked this women where she got my information she said they had to hire tracker. But if they sold my debt.u did n't have to find me.she then transferred me a man who then said if u do n't make the payments I do n't know what will happen after this.but if ur the one serving me you do know what will happen.now she is calling me from a private number so I ca n't call her back.I ca n't find the company website so I did n't leave the money in the bank.I have not even received a letter from the collection agency in the mail offering a settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed inquires from XXXX XXXX to XXXX XXXX because they were unauthorized, They sent me a letter telling me to contact the company, when i did contact the companies they did not respond either. I sent another letter telling transunion that and they sent another letter saying that all inquires are accurate to contact the creditor. I called transunion and they removed them only to add them back on my report 2 weeks later without a notice. A car loan from XXXX i disputed because i never agreed to a car note. I contacted the people who had the car and they told me that there was nothing i could do even though i was not liable for that account. When i disputed the account they told me they got information that it was my account. I asked them to send me information that helped them reach that answer and was told they couldnt sent that information to me it was against the law. 
The collection account listed is not reporting right, i asked them to remove the inaccurate account and i never got a result letter in the mail. for 2 years i have been disputing the negative accounts because they were inaccurate to only get the run around.

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with R & B Corporation of Virginia (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent out a dispute to Credit Control Corporation on XXXX XXXX, XXXX asking to be provided with competent evidence bearing my signature which they RECIEVED on XXXX XXXX, XXXX. 
AROUND LATE XXXX I RECIEVED A RESPONSE DATED THE SAME DAY THEY RECIEVED MY DISPUTE! 
THE LETTER claimed their client RECIEVED payment and the balance is paid in full but as of today their tradeline is still showing on my credit file. In the letter, the edp/credit report number is inaccurate/Incomplete with the one they are reporting on my credit report. 
I sent a second dispute on XXXX XXXX which they RECIEVED on XXXX XXXX, XXXX asking for A SIGNED CONTRACT WITH DISCLOSURE between their client and I, between CCC and their client, and between CCC and I. An complete Audit trail of said DEBT was requested. 
I 've also requested their operational arrangements in place to facilitate providing information and documents required to resolve disputes which I 've received no response! 
NOT ONLY IS THEY NOT RESPONDIMG BUT THEY NEVER LISTED THE ACCOUNT IN DISPUTE, AND TO THIS DAY, THEY ARE STILL REPORTING INACCURATE AND INCOMPLETE INFORMATION SUCH AS DATE OPEN, NO CLOSED DATE, ACCOUNT NUMBER, BALANCE, HIGH BALANCE, AND TERMS WHEN NO CONTRACTUAL OBLIGATIONS WAS ESTABLISHED! 
CCC, Refuses to ACKNOWLEDGE MY DISPUTE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company has failed to provide me the information to satisfy my debt verification. This company will only send me a copy of when the account was open and the charge of date, but will not send me any information regarding the account of when the last time I paid or any information regarding the account such as billing. I have asked for a detail break down of the account and this company has refused to provide me the information requested. I have sent this company letters and called.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2017 Re : Mortgage account # XXXX Property XXXX XXXX XXXX, XXXX IN XXXX Dear Sirs : This is direct request that Ditech terminate the escrow account and monthly charges on the above mortgaged property. Ditech is using escrow account on listed property to gain interest free self-serving loan from customer. The Consumer Financial Protection Bureau is suing Minnesota-based XXXX XXXX Bank XXXX for allegedly " tricking consumers into costly overdraft services ''. Ditech is doing the same 'trick ' with escrow account attack to defraud home owners for 20 % increase in costs with no factual basis or need. 
On property : XXXX XXXX XXXX, XXXX, Indiana, the current escrow is $ XXXX. New escrow is $ XXXX. This change is an increase Total= $ XXXX, which results in $ XXXX increase. This is XXXX % rise in escrow cost, which adds total {$6000.00} escrow each year to cover {$5300.00} actual cost, [ Tax : XXXXHomeInsurance : {$1700.00} ]. This is an annual {$710.00} " profiteering '' interest free loan to ditech, in addition to the {$2300.00} carry forward balance before any escrow disbursement occurs. 
House insurance on this property has not changed in 10 years, and current, active policy enclosed. Mortgage property value assessment has been substantially reduced on appeal [ Enclosed ]. This will result in property tax reduction. There is no evidence of tax or hazard insurance rise or increase. 
When discussed with ditech staff on XXXX/XXXX/2017, the employee claimed : " this is your saving account. '' This is a bald face sales pitch lie, as no bank saving account pays 0.00 % interest. 
Ditech escrow manual states : " If the surplus is more than {$50.00}, we will send you a check for the surplus funds. '' This statement is in direct conflict with the claim for an unsubstantiated, meritless increase of {$92.00} per month, and the additional demand for immediate payment of & gt ; {$700.00} excess escrow monies. 
The ditech {$1400.00} escrow funds and collection attempts on mortgage account # XXXX must be terminated immediately. The {$1400.00} surplus currently in the escrow account must be paid, re-numerated, returned, to home owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Debt collection (Medical) with MiraMed Revenue Group LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To whom it may concern : In a recent evaluation of my credit on XXXX/XXXX/XXXX, it has come to my attention that XXXX XXXX XXXX XXXX negative reports were filed on my report. According to the reports I have reviewed, the reports were filed in XXXX by a " XXXX '' on behalf of " XXXX XXXX XXXX '' and a collection agency " MIRAMED REVENUE GROUP '' on behalf of a " XXXX ''. In further research of the alleged collections, XXXX XXXX has numerous complaints of other false collections under investigation. Miramed Revenue Group appears to have mistakenly filed the same collection twice which has further damaged my credit unnecessarily and also reported inconsistent reports with different agencies bringing their entire credibility as an accurate reporting entity into question. 
Finally, it is my assertion that XXXX agencies ( and therefore all the negative reports ) are completely fabricated, fraudulent, or otherwise false. Whatever the case may be, rest assured that I in no way agreed to or had knowledge of either Miramed Revenue Group OR XXXX XXXX XXXX, XXXX or XXXX. 
These collections were all filed without my knowledge and devoid of any warning from any of the above entities. I have, by certified mail, notified Each of the above collection agencies, all XXXX credit, submitted an official complaint with the Consumer Financial Protection Bureau in hopes of immediate resolve. I am also notifying the office of XXXX XXXX, the United States Treasurer and the Illinois XXXX in hopes of further oversight in debt collection practices. 
I am not alone in what appears to be a growing list of victims in my community and in across the country and I demand these records be completely removed so I can benefit from the advantages I deserve as someone who made the decision to never utilize their credit at all. I am simply attempting to start the process to own my own home and these, false reports stand in my way of that human need. 
I am looking forward to your response!

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs. 
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX. 
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back. 
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation