milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. Thank you

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 02-04-2018 about Debt collection (Medical debt) with First Federal Credit Control (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have tried numerous times to remove this fraudulent debt from my credit score, but to no avail. I have submitted petitions and requests to XXXX, but have received no response. This debt is not mine and the result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian enrolled me in a credit monitoring service without my knowledge after I froze my credit. No notification was sent to me and no resolution has happened after multiple attempts to get them to cancel.

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: On XXXX XXXX, 2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and TransUnion 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.

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 02/21/2017 about Debt collection (I do not know) with Anderson and Associates Credit Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with EARLY WARNING SERVICES, LLC (NC).
Issue: Account opening, closing, or management

Complaint: I have been reported to ews by XXXX XXXX XXXX, XXXX, XXXX and XXXX, all of which are fraudulent accounts due to my identity being stolen. I have placed blocks on my credit reports as well as Chex systems. I have exhausted all options to have them removed on my own. I 've filed identity theft reports with FTC as well as my local police department to no avail. According to the fcra I have the right to have these blocked and not used against me, in which they 're not blocked as I was denied a checking acccount recently due to this. I need these accounts removed once and for all, it has really hindered my life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage escrow account has been in a shortage since about XX/XX/XXXX and our payment keeps changing. We told XXXX we were moving to XXXX and renting our property. We were exempt from property taxes because we are both XXXX veterans. Our taxes at that time was then added back to our XXXX tax account. XXXX XXXX appraisal district said they would inform our mortgage holder of the changes.The property has been our primary residence since XX/XX/XXXX. We 've tried numerous times to get our mortgage company PennyMac to remove our escrow account because our payments are too high and we want to pay our taxes directly XXXX. PennyMac refused because they said it is in our truth and lending statement that we signed with XXXX Bank XXXX during our loan agreement that said we would have to escrow taxes/insurance. PennyMac in another conversation said by law the XXXX XXXX requires an escrow account for taxes and insurance. They also stated our mortgage balance is not 80 % loan to value to remove the escrow account in a different conversation. They tried to offer us loan modification after we asked, but turned out we would have to ruin our credit for them to help. The letter said they would put 30 days late on our report during the process and so we decided that would not work for us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. 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 08/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Delinquent account

Complaint: It has been several years now, I did n't know about the CFPB at the time, my sister and I had inherited our grand parents house a XXXX family building. We were fixing and selling it, in the mean time she had found out XXXX, on the same day she got notice to appear in court for a Capital One credit card that she had fallen behind on cause she was being treated XXXX and not able to work XXXX The XXXX on her mind she had forgotten about it and no one else knew about it. She had signed the house over to me to cover a loan we had on the building for down payment on a house she was getting with her daughter. She passed away about a year later, we finished on the building and put it up for sale. We had gotten a buyer and when we went to close found out there was a lean on the building from Capital One for the loan my sister owed, well her loan started out at about {$2000.00} and at the closing was over {$5000.00} and had to pay before we could close on the sale. We knew nothing about this and was never notified about the lean if we had been we could have paid off the loan earlier. When we called and talked to the lawyer that was handling the loan he said they did n't have to notify anyone, if we had n't sold the building when we did they would still be adding interest to the loan and we would n't have known about it. My complaint is that people should be notified about these leans when there are more than one name on a property cause if we had n't sold that house till 20 years down the line can you imagine what the amount of interest would have built up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I believe my lender BMO Harris has incorrectly added excessive reserves to my escrow account and refuses to refund the excess stating the formula used to determine how much they can maintain over and above the amount required to pay property taxes is correct. 
I have contacted the their escrow department regarding this and they stated they are correct and within regulations, I however disagree.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have several hard inquiries removed or deleted from my XXXX file that are duplicates on my Equifax and XXXX credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted Equifax and XXXX to see if I could request a removal of said inquiries to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, Equifax, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I XXXX XXXX XXXX, continue to be harassed by phone and email concerning my school loan. The call my home early in the morning and late in the evenings, repeatedly, causing me to change my number. My mother, XXXX XXXX, is being harassed also via phone and email on her job causing problems, which she plans to report to her agency 's police department. On XXXX XXXX, XXXX, I paid {$150.00} by credit card to XXXX of Navient, for a 3 month forbearance because I am having a hard time finding a full-time job and receiving public assistance for health insurance. I did n't have the {$150.00} to pay for the forbearance but Navient would only do it if I pay. The confirmation number for the transaction is XXXX. My next scheduled payment was not due until XX/XX/XXXX. I and my mother have been continuously harassed for payment since then. On XXXX XXXX, XXXX, ( XXXX XXXX est ) my mother spoke to a XXXX ( ID # XXXX ) of Navient and made him aware of my forbearance state in order to remind them and make them stop calling and emailing me. He had called my mother at work, again, that day to harass her. He said the harassment would stop but it never did. I am planning to file harassment charges with the police or other government agency if this does not stop. 

I would like for you to make them stop harassing me, clear my record in their records because I have not missed any payments, never contact my mother 's job again, and work with me to stall payments until I get a job or reduce the payments. 

PLEASE DO NOT SHARE MY EMAIL ADDRESS WITH NAVIENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.

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 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( 1 ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with one response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX , XXXX 7 ) XXXX XXXX XXXX , XXXX . 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX  Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.

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 07/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I applied for a car loan with XXXX credit company an received finicancing an was told my credit was ran only with XXXX but later found out that my credit had been ran XXXX times an cause me to loose XXXX points on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: old account / over XXXX years oldwas previous deleted now Reinserted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: I was incorrectly assessed a {$14.00} fee by Bank of America at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Other transaction problem

Complaint: Coinbase restricted my buying. They did not offer any reason behind this action and have not responded to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XXXX due to their merger, and they have told me they would resume reporting by XXXX XXXX. All payments have always been made right on time at the first of every month. My credit reports still show XXXX Mortgage with the last payment date of XXXX XXXX, XXXX and the balance as of last XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XXXX XXXX remain incorrect, with no history since last 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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I t is 2017 and I have repeatedly asked all   XXXX   credit bureaus to remove old accounts and ones that have been paid and  cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

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