milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/2017, I disputed some hard inquiries on my Equifax credit report that I do not recall authorizing. I checked the status of the dispute on XX/XX/2017 and my results were ready. However, the date that the information was verified by Equifax shows XX/XX/XXXX. That 's the same day I initiated the dispute and I feel as if they did nothing to actually verify if the information was factual. The statement or response that I received back from Equifax is that the items were indeed factual. After viewing the results, I called Equifax and asked them their process of verifying that the information was correct and I asked how they were able to verify and investigate so quickly. I was told by 2 representatives that they do n't dispute inquiries and that I should just wait and let them fall off of my credit report when the 2 year time period is up, or either contacting the creditors. One of the creditors is a car dealership. I called the number on the report, but this particular dealership is no longer the same and has been bought by another company. I called Equifax again to explain this and I asked again their process of verifying the information, because clearly, an investigation was never initiated if they did not know that the dealership is now owned by another company. Again, I was told to wait until the inquiries fall off in two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) AND 611 ( A ) ( 1 ) states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received results in 2 days ( even though on the dispute status page, results were ready on XX/XX/XXXX ), one can assume that there was no investigation into the matter. I 'm at the point that I 'm frustrated because no one I 've spoken with at the credit bureau is even taking the time out to listen to my complaint. I am a single mother of XXXX who 's trying to rebuild my credit so that I may qualify to purchase a home. The hard inquiries on my credit report display as a sign of financial trouble when it 's not at all the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that I do n't recall authorizing. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 sent at least three letters to Equifax, XXXX, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with Ditech Financial LLC (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have had a membership with XXXX for years, I get my XXXX in XXXX credit report every 6 months and when I got it this time I did a little research to see why my credit score was different on all XXXX reports. Looking at the report I see XXXX reports wrong information from XXXX and XXXX, they have over XXXX accounts open when they are closed. I call XXXX and told them what was wrong and sent the IT department a screen shot of my credit report at XXXX ( which is correct ). It has been over 3 months and it is still not fixed. XXXX say it is a system issues but how can they be in the business of reporting credit and do n't have it right? I called XXXX every other day and they just hung up on me or say it is a IT issues. 

Another issue, Green Tree which is now Ditech Financial LLC. I had a mortgage loan from XXXX of XXXX to XXXX which is 20 years and I paid my mortgage on time for 20 years and my last year when I got down to {$8600.00} I settle with them for {$6700.00}. This was a interest barring loan and they had made {$100000.00} off of {$29000.00} loan. They reported to my credit report that I settle for less then the balance and put a flag on my report to stay on 7 years. I have been calling the company which I get no call back but I am asking if a company settle with me and it is less than {$2000.00} and been paying for 20 years why would they hurt my credit like this? I was never late paying them for 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This complaint is on XXXX. 2 1/2 years ago I called XXXX and ordered service. They shipped me the equipment to hook-up and begin my cable service. When the equipment arrived, I hooked the cable box up as directed, but it did not work. When I called XXXX back, they changed their story. Originally, they said a tech visit was unnecessary b/c the home had previously had XXXX. Now since the box did not work, XXXX wanted to charge me for a tech to come out and they did n't have one available for 2 weeks. This made me angry, because they were wasting my time and this is not was I was originally told when I started service. I shipped the equipment back. Fast forward a few weeks later, I received a bill from XXXX that I owed XXXX dollars. It took me literally 10-13 phone calls to XXXX, requesting that this be taken off, or to speak with a manager, etc. Finally after a few months I went to my local XXXX store and was told that they removed the charges, since I NEVER ACTUALLY HAD OR USED THEIR SERVICE .... EVER!! Now 2 1/2 years later, a collection agency from XXXX pops up on my credit report! I never even received a call or letter from either company notifying me of this debt! My spouse and I are literally in the middle of repairing our credit to buy a house. This is really messing things up for us. To make matters worse, when I called XXXX, they can even find our account using our name or phone number or address. What a waster of my time! This company should be shut down! I would n't use XXXX if THEY PAID ME A {$1000.00} A MONTH!! How do I get this debt taken off of my credit report? And can I sue them for falsifying information and lowering my credit score? Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I had an answering service with XXXX XXXX XXXX which I canceled. They charged me extra after cancellation. I brought the issue to my credit card company, Citibank, attention. I provided all the facts of the matter and they still did not reverse the charge. The answering service company was not answering the forwarding calls which is the reason I pay for this service. My colleagues informed me about the lack of service as they could n't get in touch with us. I contacted the company on XXXX XXXX and canceled service stating that they have not been answering my business calls being forwarded to them as per our service agreement. We contacted them via email and phone call on the XXXX XXXX again to confirm the cancellation. 
When I signed up with this company 3 1/2 years ago, they charged my card one month in advance. Now, They charged my card for XXXX again, even though I have canceled my service. They are refusing refund despite the fact that I have canceled within guidelines. 
Also, XXXX in their billing department sent me an email claiming I owe them XXXX of dollars and threaten to send me to the collection. They sent me statements that showed the account has XXXX balance, but they said that they ca n't see what credit card has been charged. This shows the company relies on scare tactics and predatory practices to collect money from clients. They had my credit card on file since I started with their company. I explained to her it would have been impossible for my service to remain active without them receiving payments. She said they have been subject to internal fraud and implied I could be part of it. As outrageous as that sounded, as a courtesy, I provided her proof of charges on my credit card for every single month of service since 2015. With all this, it is difficult to tell if this is a legitimate company or fraudulent. I suspect individuals or the company are committing fraud by trying to scare the customers into paying for charges that are not real. Their actions and their own claims of internal fraud are definitely red flags in that direction.

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 01/15/2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Payoff process

Complaint: I have Amazon card with Synchrony bank. I paid it off a while back, but they still sending me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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 had trans union to investigate a account on my credit report twice and they refuse to investigate it properly under the fcra guildlines my third go around I talk to a XXXX XXXX XXXX supposedly a supervisor which refuse to also investigate it with a phone call to the crediter.

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 10/31/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: I am having a problem with Synchrony Bank regarding a Chevron/ Texaco Credit Card . This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract and also says that they do not own this debt anymore as they have sold it to another company, yet they are reporting it the the credit bureaus. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016. 
Synchrony bank can not provide validation of the debt, they admit they do not own the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

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 09/30/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage service co Ditech hired a company to break into my residence and change the locks while the home was in the foreclosure process.. The home was not listed for sale. The company continued to harass me with threatening phone calls. 
In XXXX I agreed to a modification program. The agreement signed stated the first payment was due XX/XX/XXXX. If the next 3 payments were made on time, the modification would be permanent.. The next 5 payments were made on time, I also applied for the hamp program only to say they are reviewing. it. This went on for 5 months. XXXX then sold my mortgage and is now being serviced by XXXX. I have been in contact with them, and they state they are awaiting the paperwork from Ditech. I have made my payments with shellpoint on time. They state that they do no even participate in the HAMP program. 
XXXX failed to its guarantee to have new company honor previous agreements. I want to have the issue resolved with my current modification and for them to honor it. I would like also for them to honor the HAMP process before it was sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Non-federal student loan) with Allied Interstate LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I made a payment agreement around XXXX 2014 with Allied Interstate about a non-federal private student loan that I am in default. Last month due to hardship I requested a month off payments. After that period they started attempting to call me. I requested not to be called since they always interrupt me while working. They debited my bank account already, thus resuming payments, yet they continue to call non-stop demanding to give me an update. Now they are harassing my domestic partner by phone XXXX XXXX asking her personal questions about our relationship. They have no reason to call since payments are being currently made. I do not wish to talk to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The Representative - XXXX XXXX for XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct. 

He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before. 

The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not my account never had wireless phone in that company before it is not me someone else is using my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent several letters asking Experian to remove inaccurate addresses, telephone numbers, names and ss # that 's Reporting on my credit report..I am a of identity theft already and these fraudulent & outdated addresses, along with 2 social security numbers that are not mine, unknown numbers exposes me to become another victim ..I 've sent it verification of my ture social security number and address why would they not remove this ..Tonight I received a new Address about a address I do n't live at and never did .. By law Experian is supposed to only report true and accurate information this is a violation of my rights as a consumer

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 12-08-2016 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They are calling my place of employment and harassing me about a debt that I am disputing after I had asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: I am XXXX XXXX XXXX, a XXXX XXXX with XXXX serviceconnected XXXX. Chase bank for over a year drafted my Checkingaccount {$170.00} for my Condo Association fee. I was notified XXXX that for the last three months the bank has not paid as orderedon the first of the month, the bank changed the draft date ( withoutmy authorization ) to the XXXX, of the month, on that date there is notfunds in my account to cover the expense. The bank refuses to pay and Iincur an over draft fee of {$35.00}. I recently received notice from myCondo Association that I now have a lean on my property for $ XXXX. The bank refuses to correct THEIR MISTAKE and rectify thethe bounce check charge, the lean on my property and other nowchecks due to Chase Bank mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with U.S. BANCORP (NE).
Issue: Payoff process

Complaint: US Bank has a promotional offer on their credit card that provides 0 % interest. If you use more than one of the three checks they provide with this offer, the payments you make are applied only minimum payment to the purchase that is due the soonest and applies the remaining payment to the newest transaction, instead of the one that the promotion will be coming due the soonest. Because of this it forces you to pay the balance completely otherwise you are forced to pay interest, this is completely false advertising. Never seen anything like it. Wanted to file a complaint so no one else falls for this,

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