milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX XXXX  five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX   is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX  XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with ERC (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On    XXXX   XXXX   XXXX   a  company by the name of  XXXX  was removed from my  XXXX  credit reports because they were coming after me for a collection on behalf of  XXXX   XXXX   XXXX  in the amount of {$520.00}. I have never had an account with  XXXX   XXXX   XXXX  and definitely have  zero plans of getting one.  As of    XXXX   XXXX   XXXX   I  noticed on my new  XXXX  and  XXXX   credit  reports that the company ERC  ( Enhanced Recovery Corp ) has reported false information on my credit report stating th at an account was opened with them    XXXX   XXXX   XXXX   in th e amount of {$520.00} original creditor  XXXX   XXXX   XXXX  and my payment status is a Collection/Charge-Off. Also the same company reported false information to my   XXXX   credit report as well stating I owe {$520.00} and the account was opened on    XXXX   XXXX   XXXX   a nd my payment status is Refinanced or Renewed. I have contacted the company via telephone numerous times and all of which I was informed it was a simple error and they would removed me out he system and update my reports, when asking for something in writing the cal some how always ends up getting transferred. I feel someone is playing and constantly using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are two accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP

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 12-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Called XXXX to put loans in forbearance, as I now have no monthly income. Going to charge me $ XXXX/loan to put into forbearance, and I would still have to make the XXXX payment per our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a payment plan with them i missed one time and I continue to get calls two three times per day including Sat and Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: eqifax claim i have a tax lien, court house do not report to credit bureau they claim they got information from third party from XXXX XXXX, XXXX XXXX dont show no report of tax lien i been fighting this since XXXX of XXXX as now they refuse to removed the tax lien unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I am a trustee for my friend 's son. He decided to move XXXX miles away. I went to Wells Fargo bank ( XXXX XXXX, NJ branch ) where I deposited {$500.00} cash and a check for {$1500.00} into his account on XXXX/XXXX/2017. The receipt documented the cash would be available on the same day and the {$1500.00} from the check would be available on XXXX/XXXX/2017. About 3 hours later he got to the airport and his debit card was declined. He called Wells Fargo and they claimed there was a computer outage across the XXXX XXXX and they were working on it. About an hour later the {$500.00} became available. He called the bank after the XXXX/XXXX/2017 date on XXXX different days because the {$1500.00} did not clear. He was told the Trust Account was holding up the approval of the funds. I contacted the Trust account on XXXX/XXXX/2017 and was told the {$1500.00} was cleared on XXXX/XXXX/2017. I then called the main Wells Fargo number on XXXX/XXXX/2017 and asked why the deposit was being held up. I was told a second hold was placed on the check on XXXX/XXXX/2017 and it would not be released until XXXX/XXXX/2017. They would not provide an honest answer as to why the funds were held up AFTER already being released by the Trust account. Meanwhile my friend 's son had no money for food, to secure housing, for hotels etc. I asked to speak with a manager or someone who could assist me and they refused and said no one can help me to release the funds sooner and it would have to wait until XXXX/XXXX/2017 when the hold would expire.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  NC,  XXXX  SSN :   XXXX   XXXX   XXXX   XXXX   Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifie d accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX   XXXX   /   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX      XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX     XXXX   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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never lived in XXXX, Ga. You have the wrong person for that address.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I bank with Wells Fargo. I get the following emails every 2 weeks. I have tried in person and over the phone to solve the problem. I 'm concerned that multiple accounts were opened or that there 's a privacy problem. 
Wells Fargo suggested that I add XXXX additional emails to my personal email system to fix the problem, rather than solving the problem on their end. Although I only have one email address on file with Wells Fargo, I continue to get these emails. 


Subject : Unable to deliver email From : Online Banking XXXX/2017 XXXX Contact Us We were unable to deliver an email to you We could not deliver a message or alert to your email address. If this address is incorrect, please update your contact information. 

To receive account statements or tax documents online : You must have a valid email address in order to receive your statements or tax documents online. If we can not successfully deliver your notification that your documents are ready, we will have to send your paper notifications or documents via U.S. Mail. 
If you have questions, we are available 24 hours a day, 7 days a week at XXXX or by secure email. 
If you are a guest user, please contact the account originator to request your email be updated. 
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 08/24/2016 about Debt collection (Medical) with PMAB,LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt collector has placed this item on my credit file. I was never notified of the debt. We have XXXX different insurances. XXXX, XXXX and XXXX for life. We do not get medical bills. If there had been written notification we could have contacted the insurance companies about this. Usually this is a missed issue by the medical facility that billed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was forclosed on by suntrust on XXXX 2013. Suntrust was suied by a class action suit and lost for illrgally foclosing home in the 2013 time period. I was part of the case and awarded money. I requested Suntrust Morgage escalation Resolution team to remove this from my credit since I was part of the class action suit and awarded money for there actions. They refused and stated my forclosure was valid and correctly reported to the credit bueru. I disagree since they were suied for morgages they forclose during 2013. It was for XXXX they had to award to customers. I would like this removed from my credit ( XXXX, XXXX and XXXX. All my attempts to keep the home was not accepted by suntrust. ( Loan modifacation, short sale ) They were goin to forclose on house nomatter what I tried to do. If they had forclose correctly they woulfg have not lost the class action suit for XXXX which was awarded to thousands of customers. I recriced a check also I was forclosed on 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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I ave had continuous problems with Equifax that are unbelievable. 

I can not submit disputes online because they do not have accurate personal information for me on file. Disputing by mail takes significantly longer, and all my disputes come back with INCORRECT information. XXXX and XXXX  are correctly reporting these accounts. I have no idea where Equifax is getting their information. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a notice today that my dispute results were ready. When I tried to view them I could not get them pulled up because the website will not accept my address. I finally obtained them by accessing my credit report through a third party. The updates were with information that was even more out dated than the original dispute. 

I contacted equifax twice on XX/XX/XXXX. The first associate kept telling me I dont have an equifax credit report. The second associate told me all she could do is file disputes again and that would take 30 days. I have waited long enough for this company to get it right. I should not have to go wait another month. The f you can not report courage information then you should not be in the credit reporting business. 



The following accounts are not reported correctly. 

XXXX XXXX XXXX XXXX XXXX Account is closed Balance is {$0.00} Equifax is reporting balance of over {$1100.00} XXXX XXXX Account is closed, payments have NEVER been late. The balance is {$0.00} Equifax is reporting a balance Over {$2000.00} XXXX XXXX XXXX This account balance is {$240.00} Equifax is reporting over {$500.00} XXXX XXXX This account is closed with a {$0.00} balance Equifax s reporting open collection with balance over {$300.00} XXXX XXXX XXXX This account is closed with a {$0.00} balance Equifax is reporting open collection with balance of {$390.00} The following hard inquiries were not performed by me and should be removed IMMEDIATELY. I have placed a freeze on my account and expect that Equifax will not furnish my credit information to any one else without my authorization : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  It is the duty of equifax to uphold the highest standards for accuracy and verification when reporting information that has a financial impact on a person. Due to the negligence and lack of diligence on the part of Equifax, I have spent countless hours calling representatives, filling out disputes, and filing complaints just to get them to do their job properly. This is having a devastating impact on my Financial health and my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My husband at the time lived there we were separated. I never lived with him. There was a no contact order on him and I have proof of it.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...

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 05/23/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other service issues

Complaint: In XXXX 2016 i sent the funds to XXXX for XXXX $ $ so ... i paid pretty big fee for the that service and western union was supposed to reward me for XXXX $ XXXX gift card for placing the order as me being a new customer. The incentive never was awarded.. i indicated the email that WU was supposed to use XXXXXXXXXXXX. I gave them a call to discuss this issue but they continue saying to keep waiting which does not make any sense. Hopefully you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Credit Management Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX Do Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have bank statements showing were I paid my XXXX XXXX private student loans serviced under AES ( American education services ). XXXX 2016. I received a 30 day late payment report on my credit by the XXXX credit agencies. I was granted a short term payment in XXXX 2016 for 6 months. The payment plan allows me to pay half of the XXXX private loans I have outstanding. My payments are due on the XXXX of each month. I have paid each month on time. My short term payment is now up and I am back to paying the full amount or each loans. I am not sure why they have reported that I was 30 days late when they took the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage from ELend.com. Part of the reason I picked this company is because they offered a {$500.00} check if your loan did n't close on time. Over the course of a month and half their representatives asked me for information covering every conceivable thing imaginable. I provided college transcripts, signed contracts, explanation letters, tax documents, and mountains of bank statements. Each time I provided what they asked for, they came back and asked for a new set of documents. Nothing seemed to satisfy their desire for more information. After over 45 days of meeting their demands I finally realized that they simply did n't have any desire to fund my loan. This has caused me to lose the ability to purchase the house I wanted. They are making excuses to why they should not pay the {$500.00} they promised. I feel like they did n't make a good faith effort to fund the loan. I also believe they are not fulfilling their obligations in providing me a with the {$500.00} guarantee. I respectfully request they credit me the {$500.00} that is guaranteed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I originally entered into a mortgage in XXXX and refinanced with XXXX Mortgage in XXXX. 
In XXXX XXXX agreed to pay {$320.00} XXXX dollars to settle claims of deceptive lending practices. I was not one of those whose mortgage was re-worked nor did I receive any funds from XXXX. In XXXX, XXXX brought XXXX and assumed the servicing of XXXX loans. 
In XXXX, XXXX foreclosed on the property by alleging that I owed {$88000.00} on a {$96000.00} loan. I claimed it had authority to do so under XXXX XXXX which is an open-end mortgage. The company granted only {$8000.00} toward the principal when, in fact, {$44.00}, XXXX was paid toward the refinance. 
XXXX attached a copy of the mortgage to the Complaint. The following items are missing from the document. 
1. HUD 's Case Number2. Monthly payment information, and3. Interest amount. 
Under HUD regulations, the loan was a fraudulent loan, hence, the foreclosure should be even at this point, declared a nullity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Closing/Cancelling account

Complaint: I opened a MileagePlus Explorer credit card with Chase bank a few years back, which is a co-branded card with XXXX XXXX. The credit card carries a {$95.00} annual fee. My fee is charged yearly on XX/XX/XXXX. I recently traveled to XXXX and attempted to used said ( no foreign-transaction fee ) credit card, but it was unfortunately non-functional. Upon return I decided to close my MileagePlus card as I was not satisfied with it. I waited until I paid off the card ( XX/XX/XXXX ) and contacted them yesterday, on XX/XX/XXXX, to close it. Upon the closure of my credit card account I inquired how they 're going to refund me the pro-rated annual fee. To my surprise I was told that I 'm not getting anything back. Apparently, there are no terms or conditions, but at their discretion Chase chooses to refund the annual fee if one closes the account within 180 days of the day when the annual fee was charged. In disbelief I researched this on the internet and found that all other banks refund pro-rated annual fees if a customer closes an account mid-year. So today I called back and was transferred to a supervisor, who after some investigation also told me there 's nothing they can do. What is surprising is that my annual fee comes with certain services attached, as allowing a free check-in back with XXXX XXXX among other privileges. So I have already paid for this service until XX/XX/XXXX, but by closing my account am unable to use it. When inquiring if Chase is going to pay my luggage fees then, I received no comprehensible answer.

Company response to consumer: Closed with explanation