milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,15 U.S.C 1681g, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA 15 U.S.C. 1681i all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX No documentation was mailed to me that was in your file. The 45 day period has expired and by law these accounts must be deleted. Just sending a letter stating verified is not enough. I requested documentation. I did not received a single documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My wife has 3 subsidized loan at 3.8 % a 3 unsubsidized at 6.8 %. She has giving me permission on her great lakes student loan account and something does n't seem right. She has n't graduated yet but is n't attending right now because we have kids at home. I believe the 6.8 % is to high, and believe that for a graduate student the max is 5.7 but I might be wrong. Can you please give me some advice or direction on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove 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 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute with you all back on XX/XX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the 1st round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : 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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I want to report repeating incorret questionare problems I encountered by logging into the Experian credit service and policies today ; as well as problems not being able to speak to a live person today. 

I called Experian questions department that was referred to me by an XXXX letter dated XX/XX/XXXX due to a previous log-in issues dated XX/XX/XXXX ( I had my PIN number ) and a verification of a new address, which is not new, but a variation of this existing address that we live on for seventeen and half years now. 

I wanted to submit a copy of my driver license and a phone bill as a proof identity to clear up any record problems. Our address variations are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX These are all the same address and the last two abbreviations were used for fifteen years without problems. Recently, our post office wont deliver certain mail or packages if the street name is XXXX XXXX or XXXX XXXX. 
I did get locked out of Experian due to one of the variations being listed as previous address, which is not correct. 

Once again they have errors in their records, because I answered questions No. 1, 2, and 4 absolutely correctly. Question No 3 was about credit card names, which I did not recognize. I verified the information per their XXXX credit report for my husband dated XX/XX/XXXX and my credit card statements. This report was provided to him due to a complaint filed with your office XX/XX/XXXX ( Complaint No. XXXX ). 

I am also running into problems with Experian listing an employment at XXXX XXXX, which is my husbands previous employer, not mine. I wanted to make sure XXXX   does not list it as well.

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 09/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: I have had this HELOC for many years. I have NEVER been late. My payments are set up in my billpay service as automatic payments. On XXXX XXXX, when I returned to my home after evacuating from Hurricane Irma, there was a letter in my mailbox informing me that they have a obligation under federal law to inform me that they reported me late to the credit bureau 's. I was shocked, not knowing why? The next envelope I opened indicated I had a balance due of {$4.00} and it was late. This was the FIRST notification that anything was wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Well Fargo has repeated called my ex husband multiple times a day claiming my payment was late when I had confirmation from my bank that it was on time, and when I called WF back they confirmed that it had indeed been on time. They also delete online accounts XXXX if they are not accessed every ninety days, but do n't tell you this will happen, and then take two business days and a manual process to reenable accounts, and they refuse to provide statements/paper account summaries. They repeatedly confused my SSN with that of my ex husband, and repeatedly lost my email address -- the same one I 've had for years and which they 've also used to contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Payday loan debt) with ZARVAD III S.A. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: i am getting constant harassing phone calls and repeated threats from this company!

Company response to consumer: Untimely response
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: XXXX fraudulent checks were posted to my checking account, XXXX for {$5900.00} and XXXX for {$890.00}. Neither had any signature on them - the signature line was blank on each. Upon seeing that my account was depleted of funds, I reported the fraud to Chase and froze the account. They tell me it will take up to 30 days to hear back from the investigation and get my money back from the other bank, even though the checks are clearly fraudulent. They also tell me there is no system for me to track the progress of my claim, and they 'll let me know if they need anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: According to HUD guidelines ( see 24 CFR 203.604 ), a face to face home visit was supposed to occur prior to the start of foreclosure activity being conducted by Wells Fargo. Initially a certified letter should have been requesting a face to face visit. Then a Wells Fargo representative is supposed to come to the home to make the request in person. This did not occur. HUD guidelines are very clear that this must happen before a foreclosure filing can happen.

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 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I applied for a job with a credit union in the security department. They informed me I had a bad debt with XXXX on my credit report and needed to resolve it in 30 days or I would lose the job offer. I contacted XXXX and was informed they had no record of me having an account currently or in their archives owing a debt of any kind. They refused to remove the negative credit account stating they were not reporting it. I called the number from the credit report and was told they were a debt collection agency. I believed this was an Identity theft issue however I did not have the time for an investigation. I paid the account with the collection agency, XXXX XXXX, in full due to time constraints. This was XX/XX/2016. I am now being billed by another credit collection agency, EOS CCA for the same XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: I pulled my  XXXX  And Experian credit report in   XXXX   XXXX   and noticed   XXXX   XXXX  k and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with  XXXX  stating this is not my account and with Experian 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called   XXXX    credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with Experian as well that this is not my account. This last dispute on   XXXX   XXXX  , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (   XXXX   or Experian  ) w ill not provide proof and I have did all I can do.     I also advised Experian the following Inquiries are fraudulent /not authorized by me :  XXXX -  XX/XX/XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX   XXXX  -  XX/XX/XXXX  &  XX/XX/XXXX   XXXX    XXXX   I advised  XXXX  the following iquiries are  fraudulent/not autho rized by me :   XXXX   XXXX   XXXX   XXXX   via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  I need this to be corrected and removed from my credit reports.

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 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A letter of dispute was submitted to Experian on XXXX XXXX 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided A letter of dispute was submitted to Experian in XXXX, 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided Experian proof and copies that the account was paid in full. XXXX sold my collections account # XXXX, to XXXX. XXXX is still showing on my credit report with Experian. Both XXXX XXXX XXXX XXXX and XXXX are attempting to collect payment on the same debt. I have provided proof on two occasions and Experian fail to remove XXXX from my credit report. As a consumer disputing information on my file and providing the proof or evidence of the said account, Experian should remove this account from my credit file.

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 09/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated in 2009 from XXXX XXXX XXXX in XXXX NY. Ever since then, I 've been unable to find a job. I 've had multiple interviews only to be turned away because I ca n't get the experience. While I was going to XXXX XXXX, we were being taught outdated material, using outdated books in outdated software. I went for 3 years and acquired XXXX XXXX degrees. I had attempted my XXXX in their online courses for about 9 months and decided that it was n't for me. By the time all was said and done, I had accumulated over {$100000.00} in debt between my Federal, Dept of Ed and Private loans all the while not being able to find a job, living paycheck to paycheck working manual labor jobs. I 'm still in a position where, although I work in XXXX all day ( not my ideal job ), it 's a contract position that could end any moment working at {$12.00} an hour. That being said, I 've been forced under threat of litigation by my private loan lenders to pay over {$400.00} a month to just 1 loan, not including the other private, fed or dept of ed loans. It took me a year and a half, almost 2, to get them down this low in payments. During one phone call, which my father can attest to, I was given 3 months of forbearance during a time that I was unemployed. When I asked the woman on the other end if by the end of the 3 months I still do n't have a job, what should I do? She casually replied with no remorse " I suggest you pay the loan ''. As if to say that there was absolutely nothing she could do and she could care less how I do it. I can barely make ends meet, my car needs fixing, and I 've been forced to live at home because I ca n't make enough to live on my own, let alone pay these outrageous loans at 7.5 % average interest rate. Although I have much respect for the teachers I had, my education was a sham and I do n't know about you guys, but {$100000.00} is more than most ivy league schools, but at least with them you come out with a masters with that kind of money. I even went to the Career Services department that the school provided to help students find jobs, along with my father again as a witness, and was literally told to look on the same websites I had been using for years prior to that meeting. No attempt was made to even make an effort to help me. At that point I was left wondering what the XXXX I was paying for? With the recent shutdown of XXXX XXXX, I 'm seeking retribution and I 'm happy to watch them collapse. I 'm tired of being pushed around, I 'm sick of being in debt to a school that is literally robbing me and I just want to live my life. I just want to be happy for once without the burden of knowing that someone out there is taking all of my money. I do n't know if this will make a difference but I have to try something. I 'm submitting this under the federal loan section but my private loans are part of this too. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: west assett management, a third party debt collector had attempted to collect a invalid debt for a cell phone account bill which had been settled years previous and the account closed with a {$0.00} balance. Please reference Case number : XXXX, after discontinuing collection activity for this account, they sold this invalid debt to another third party collection agency, XXXX receivables. This new collector is now attempted to collect for the same invalid, unverified and fraudulent alleged debt. XXXX receivables failed to properly notify of intent to pursue collection attempt, or provide notice of right to dispute. Without properly verifying accuracy or validity of alleged debt, the company reported to the credit reporting bureau 's that the debt was an unpaid account in collections, this improper information was reported on my credit report improperly and the alleged debt itself was fraudulent and improper due to having been re aged to appear as if the account and debt were recent, and the balance reported as owing over {$700.00} when in fact I provided documents clearly showing a {$0.00} balance and date of last bill from 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing statement

Complaint: XXXX credit card. I use this card to buy a XXXX last XXXX XXXX $ in XXXX. When I pay it use this card, I choose 6 month no interest, buy I keep minimal payment each month. After 6 months I send a check XXXX $ pay out all expense, but it come out late fee on my statement every month, till XXXX $ last statement after wife write a check pay another XXXX {$.00} 50 {$.00} XXXX $ total more than XXXX {$.00} because she just following the statement wrote another check payout all balance. This month, the statement come to my hand, I found this mis-statement with another 187 {$.00} they still keep count late fee and interest on 0 spend and o balance. the XXXX $ was count from my XXXX purchase plus late fees and interest from every month that should not charge ( I did 6 month no interest with minimal payment plus payout check XXXX $ ), but they just simply ignore all payment even over paid. I just want them to pay me back and close my account, and ask you to do an investigation to shut down their business in case they continue to steal money from people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: To Whom It May Concern, My name is  XXXX   XXXX , my property is located at  XXXX   XXXX   XXXX ,  XXXX , NY,  XXXX . I am currently living overseas due to the fact that I have no income and unable to support myself, so I am living with family members. I have been trying to do a short sale on my property since   XXXX  . The short sale was approved in   XXXX   and the buyer was unable to close. I now have a interested buyer and we started the short sale process with the servicer  XXXX   XXXX   XXXX   XXXX  after they contacted us to discuss my options. The BPO ( brokerage price opinion ) was completed and an offer submitted for the investor to review. They denied the option for short sale, the process has been denied  XXXX  by the investor  ( Wilmington Trust )  since their intention is to foreclose on the property and keep it. Regardless of the amount of the offer, the investor is not willing to allow me to short sale on my property and they are trying to force to do a  XXXX  or foreclose on my property. I understand that they have an interest on the property and they owned my loan, but why are they forcing me to foreclose on the property. Also, keep in mind that my property is a really bad shape, it will have to be demolished completely and rebuild due to the mold, pest infestation, foundation problems. I would like the public to be aware of  Wilmington Trust  malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax report received from XXXX XXXX shows an employer in XXXX, CA. 
I have never worked in California. It also shows a late payment from 2003! That should no longer be there.

Company response to consumer: Closed with explanation