milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from National Credit Systems on National Credit Systems ' letterhead. 

Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , IncXXXX and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 

1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 

2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems.

Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: As of XXXX XXXX, 2017 I have been trying to dispute inaccurate information on my Equifax credit report. I have been unsuccessful at opening a dispute due to the online dispute portion of the Equifax website being " temporarily unavailable ''. I have tried several times a day since X/XX/17, and as of today XXXX  the Equifax online section to submit a dispute is still " temporary unavailable. On X/X/17 I called Equifax to inquire about the technical issues on there site. The Equifax representative informed me that he  could open a dispute over the phone. I was then asked questions to verify my identity. I then Informed the rep that I wanted to now put someone else on the phone who I authorized to speak on my behalf to better explain the reason for my dispute and give all supporting details for me because the Equifax rep was having trouble understanding many of the things I was saying, because of my accent. The Equifax rep told me that even though I felt that I could not fully explain myself, he was unwilling to speak to anyone else but myself even though I authorized it. I feel have not been giving a fair chance to dispute this hurtful inaccurate information in a timely matter, because # 1 the dispute portion of the website has been down for several days and counting, # 2 the Equifax repesenative refused to let me hand the phone to someone who would speak on my behalf to to open a detailed dispute without a language barrier in the way. I have yet to be able to open up a dispute. I feel like I was treated unfairly and not given the same opportunity as others to open a dispute and have detailed information verbally given to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with Great Western Financial Services, Inc. (TX).
Issue: Application, originator, mortgage broker

Complaint: I started the loan process with a company. The first error was with loan interest rates and points. I was told one thing and then suddenly the amounts were different. I was told by the broker I would not be charged for an appraisal until that was the only thing left to finalize the loan and the loan was going to be approved. I was sent an email saying there was an issue in underwriting and suddenly everyone stopped communicating with me. Then, I got a call from a lender verifying more info. I called the broker and she acted like she had no idea what was going on and said she would check into things and get back to me. It has been over a week and I am still out {$550.00} for the appraisal and I have no idea about the status of my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AE).
Issue: Transaction issue

Complaint: I have a secured credit card with USAA and when making payment for use available balance USAA allows for indefinite hold on payments as listed in their universal terms and conditions. If do n't agree with universal terms and conditions funds will not be released to hold on funds with secure card. 

Listed is their policy : When we credit Payments. Payments received by us before XXXX Central Time that meet the payment conditions in section XXXX and on your bill will be credited as of the day of receipt. Payments that we accept that do not meet these requirements will be credited within 5 days unless they require special handling. We reserve the right to withhold credit availability on any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an item on my Equifax report that is not mine. It is a debt from XXXX XXXX XXXX XXXX. This debt is not mine and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the following collection accounts below directly with Equifax twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Equifax and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo force-placed flood insurance on our property despite the official XXXX map showing the structure is outside of the flood zone. WF has stated multiple times that they ca n't show me the required flood determination because there is nothing on file. They want a LOMA ( letter of map amendment ) from XXXX, which XXXX is at a loss to provide because the map already says our property is outside of the flood zone, so there is n't anything to amend. Over the past six months, I have spoken with at least a dozen people at Wells Fargo, none of whom can provide anything they are required to provide, but they continue to charge me an extra ~ $ XXXXmonth for flood insurance. The promised resolution date has gone from mid XXXX, to XXXX XXXX, to XXXX XXXX, and is now XXXX XXXX. Current resolution specialist insists that she has never worked with me before XXXX, despite a phone conversation in XXXX, and insists that another resolution specialist whom I 'm working with does n't exist, despite the fact that they are contacted through the same XXXXnumber.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year of XX/XX/XXXX and XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid all accounts from my Equifax report for XXXX XXXX Emergency. They have yet to update my credit report. They said it would be 30 days and it 's been almost XXXX. The collector is XXXX XXXX XXXX. They are holding up my mortgage process intentionally. Also they failed to send my itemized receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Payday loan debt) with Risecredit, LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt not mine even so contacted them I think they are using wrong dates

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I made my mortgage payment to Ocwen Loan Servicing , LLC . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone # XXXX XXXX. My payment was not applied based on my ( 30 yr fixed ) payment being raised by {$290.00}. 
Ocwen 's ration ; the escrow account is XXXX due to an increases in insurance and property tax. In checking with my insurance and and XXXX county tax office there were no increases. My taxes have not been paid since XX/XX/XXXX including {$520.00} in penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MI).
Issue: Trouble during payment process

Complaint: I made a complaint already to the financial consumer complaint in Michigan and in the state of New York where my mortgage account is at. They refuse to take a single payment.. Im stuck paying every 2 months making a double payment because the bank will not work with me or allow a payment to go into my account. I paid a double payment in XX/XX/XXXX and in XX/XX/XXXX I called to schedule a payment on the XX/XX/XXXX. They said I wasnt in default yet and it allowed a single payment. Now XX/XX/XXXX came along and my payment was mark insufficient WHEN THE FUNDS WERE THERE! Come to find out they again blocked my account to accept the one payment. So since then I made a double payment at the end of XX/XX/XXXX since they would reprocess the single payment in XX/XX/XXXX.. XX/XX/XXXX my account was blocked to put a single payment and XX/XX/XXXX I mailed out 2 payments.. well they said I needed to all of a sudden pay all 3 out of 3 in XX/XX/XXXX after just making the double payment in XX/XX/XXXX! This mortgage company has not helped me or even given me proper information to get my account out of default! I dont have any demand letter saying I have to pay 3 out of 3 payments in XXXX! There policy never generated that when they clearly see I have the money to pay them they are trying to take my house from me! Since the state of New York contacted them nothing got resolved! They instead claimed they mailed a letter in XX/XX/XXXX I have to pay all 3 after I was only behind 2 months not even to being with! They started counting the month that Im in even with a schedule payment as a month behind! Mortage company can not charge u the month ur in and currently making a payment for .. if a payment not in by the XX/XX/XXXX the charge u and consider that a month behind! U have up until the XX/XX/XXXX to avoid late fees and technically till the end of the month to pay .. if u dont then its consider a month behind! No one has even attempted to help me! The moment they got the complaint they went against normal procedures ( forced to pay 2 of 3 payment and next month 2 out of 4 payments! ) they clearly know that they are not follow Michigan laws on mortgage companys completely blocking accounts! I cant wire mail or schedule a single payment anymore! They kno I pay bi monthly cause of this issue. They went against normal policy and charged me all 3 in  XX/XX/XXXX ( XX/XX/XXXX they claimed the letter went out! ) XX/XX/XXXX a 2 payments processed into the account! 
This is my second complaint they now refused to take my 2 month payments for XX/XX/XXXX and XX/XX/XXXX .. and said my hosue Is in foreclosure. Im now taking this matter public because no one has helped me resolve this matter! And this provider shoudk be able to stop them from doing this to home owners

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Friday, XXXX XXXX, XXXX the reporting company Equifax announced that they had been subject to a large-scale data breach that compromised the personal information of many customers including, but not limited to, names, email addresses, social security numbers, and driver 's license numbers. I was one of the customers who was affected by this breach as shown in this image : XXXX XXXX XXXX As a result of this improper handling of my credit report, a large amount of my sensitive personal information is now available to the general public. Those with nefarious intent can obtain this information and use it to commit a variety of crimes which will directly impact my quality of life, including but not limited to identity theft and credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Back in XX/XX/2016 I sent a certified letter disputing some things and i received the green card back on XX/XX/2016 and they sent me a letter asking me to show my identity I sent it in certified and i received the card also and i called them and they are saying that they did n't get any of my information but i received the XXXX stated that They had gotten the information. And in XX/XX/XXXX i called and spoke to another Representative and she open up a new despite and i did not approve of that. And now i called back to speak with a supervisor on XX/XX/2016 about what is going on and now they have put on things that i have destitute in the past from a year ago and this has affected my credit report in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Payed everything in a timely manner until the variable loan went double the amount. 
I tried numerous times to work a program with Ocwen and they refused and now they want to foreclosed on my home with the trustee XXXX XXXX XXXX scheduled for XX/XX/2015. Till this date Ocwen has not attempted to work out a program.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I signed up for fiber internet with XXXX. They delayed install 3 times and broke our contract. On the third delay, they agreed to cancel the install. This was XX/XX/XXXX. 

Soon after, I received a bill for around XXXX dollars. And soon after that calls from a collection agency. 

I cleared things up with centurylink in XX/XX/XXXX, but their credit agency just sent me a collection notice today XXXX XXXX, XXXX. 

They need to stop. At this point it 's annoying that I get punished because they ca n't keep track of their billing from one day to the next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree ServicingI several times had to go online and schedule a payment only to call back and ask to cancel that transaction They refused to cancel saying they could not cancel and would send it through and cause me to be overdrawn in my acct and pay overdraft fees for a few months. They also were very rude stating that Greentree has helped me, I was upset, and she told me " dont play this XXXX on me '' ... I have never encountered anyone so rude

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is not owned by me ; I have never had any services from this service provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., so that I may add it to my current and ongoing investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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 've contacted the 3 credit report bureaus XXXX XXXX, XXXX XXXX, and Experian XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, XXXX XXXX, and Experian! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!

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