milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I can not dispute the inaccuracies on my credit report because key information about my personal information is wrong. When I attempt to dispute the information, I can not be authenticated on their form because I am entering the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: My identity was stolen as a result of the XXXX data breach of XXXX.  I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with Experian.  I will not pay any fees associated with this request nor engage in any cumbersome process.  If Experian wishes to bill someone for the service they should bill 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 02-02-2017 about Debt collection (I do not know) with Penn Credit Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notice in the mail from PennCredit corporation stating that I owe them {$650.00}. 

They stated that the original debt was from the department of motor vehicles but they would not tell me which DMV or state. I explained to the collector that I have lived in XXXX since XX/XX/XXXX and I have no bills. 

I applied for a mortgage in XX/XX/XXXX for a rental property there was nothing in my credit report. 
I applied for a home mortgage in XX/XX/XXXX. My credit report was clear. I have purchased at least XXXX vehicles since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 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 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I am complaining by a recent attempt by Citibank to improperly and without cause charge me {$32.00} interest on credit card purchases last month. I check my balance online every day on their website and WE NEVER RUN A BALANCE. I pay several times a month online. I do n't like paying interest charges. Their annual fee is enough. I called them today and they said that I actually DID HAVE a balance but that it was n't showing up on my screen! I said, " Then it 's a software issue for Citi, not a payment issue for the consumer. Their new website is misleading. It is an attempt to hoodwink consumers! Call me anytime for details. OUTRAGEOUS behavior to up their numbers for the quarter.

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 08/18/2015 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Dillards account was opened without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (KY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO has never answered my questions regarding escrow discrepancies, see attached letters from Wells Fargo dated XXXX XXXX, 2016 and XXXX XXXX, 2016. I do not know which information is correct and Wells Fargo has refused to help me stay in my home by transferring me to XXXX XXXX for service of my loan for XXXX and I had no idea my loan had been transferred.

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 07/14/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: BSI Financial Services assume my home mortgage on XXXX XXXX from XXXX and held it until XXXX XXXX when they have transferred it to XXXX. I recently discovered that BSI debated my escrow account with BSI about {$2200.00}, on top of the money requires for paying the property tax. Upon my inquiry BSI informed me that it placed force property insurance on my property. My property at that time, always, and as of this time, was and is insured through the Home Owners Association. This information was provided to BSI by XXXX with the transferred mortgage papers. In addition, per BSI request, I had the insurance company, XXXX XXXX XXXX XXXX, providing BSI directly with CERTIFICATE OF PROPERTY INSURANCE. I have verified that the proof of insurance was sent by the insurance company and was received by BSI. BSI never informed me that they intend to charge me with any insurance. BSI 's monthly statement never showed such a deduction. BSI have not changed my billing to show any additional charges let alone insurance charges. They kept charging my escrow account keeping this information hidden from me on your BSI internal books never notifying me or alerting me in any way. Never asking me for a payment to cover the ever increasing negative balance in the escrow account. 
I have attempted to resolve this problem with BSI to no avail. I need BSI to return the money, {$2200.00}, they have improperly taken out of my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with Admin Recovery, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since late XXXX of 2016, agents calling themselves either XXXX XXXX or XXXX claiming to be representing Admin Recovery ( XXXX ) have been contacting my mother and XXXX of my aunts about my XXXX debt. I 'm confused by these calls because my credit report from XXXX never mentioned any debt or transactions involving XXXX. I also never owned a XXXX any time after XXXX. I am particularly disturbed that XXXX XXXX told my aunt that he knows my parents are living XXXX. I have no idea how he could know this about my family. My family and I all feel that our privacy has been violated. Since these callers have only contact those in my family that are above the age of XXXX but never tried to contact me, I suspect they might be targeting senior citizens. These callers need to stop contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: For Over 30 months, I was enrolled in MHA program thru Bank of America loan service provider, with no offers of principal reduction. After 30 months with no other option our family had to short sale, and {$110000.00} in equity, investment and appreciation in the home was gone. MY justification for full restitution is supported by-TO receive bail-out money from the Federal Government, after securitizing, packaging, promoting, betting against and most of all profiting from fraudulent bogus mortgage backed securities, Bank of America AGREED to a " Servicer Participation Agreement '' with Treasury requiring it to, XXXX XXXX, use " reasonable efforts '' to " effectuate ANY modification of a mortgage loan under the XXXX HAMP XXXX. " This consideration owed the Government by BoA was in exchange for acommitment by the Government to provide BoA potentially XXXX taxpayer dollars for its promise and obligation to comprehensively provide HAMP screening for all homeowners serviced by BoA, to extend HAMP Trial Period Plan offers to all such eligible homeowners, AND, extend pennanen, HAMP modification, to ALL eligible homeowners whose mortgages it services. 

Case l : XXXX XXXX XXXX Filed XXXX/XXXX/11 XXXX XXXX of XXXX PagelD # : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: bank of america is refusing to disclose how many fees charged my account. 
over {$500.00} since XX/XX/2015. 

in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with Lipsky & Associates, Inc (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Shortly after purchasing my first home I received a letter from a company by the name of XXXX. This letter, a copy of which is attached to this complaint, claimed that I was " paying too much on my mortgage '', claimed I could save up to {$100000.00} in interest, claimed to provide a " simple, logical '' payment option for my new mortgage loan, and stated it was a limited time special offer. However, the letter did not list any payment processing fees or enrollment fees. I called XXXX XXXX on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$1.00} - {$2.00} processing fee for every payment ( XXXX payments x {$1.00} = {$45.00} minimum per year ) as well as a " startup charge '' between {$190.00} - {$490.00} After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative advised me it " should be an option provided '' by my servicer but seemed to dissuade me from doing so. I believe XXXX has misrepresented the interest savings I could achieve through their program, has mislead me about the cost of the program, and offered me a deceptive program in which I in no way requested materials on. The same interest savings can easily be achieved on my own, and involving them in my mortgage payment process would actually make it more complicated and illogical.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The other issue is that they did not provide enough information to verify the debt. ( Signed Lease Agreement ). It has been more than 30 days since I requested the information. ( XXXX/XXXX/16 ) Debt collection agency ( Pheonix Group ) is attempting to collect on alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Oliver Adjustment Co. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$150.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). I sent a follow up letter informing them that they are in violation of HIPPA and stated that I would file a legal complaint unless they removed this from my credit report. I have yet to hear back from them

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with First Direct Lending, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2017 XXXX XXXX of First Direct Lending ran my credit report without asking for my permission. 
XXXX XXXX PA XXXX XXXX Phone : XXXX Fax : XXXX XXXX XXXX Loan Consultant | XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX | Fax : ( XXXX ) XXXX NMLS # XXXX # # # # # # # # # # # # To First Direct Lending. 
Please be advised you and First Direct Lending ran my credit report without my permission nor knowledge. 
You asked for my SS number and personal information without asking for explicit permission. 
It was only after I asked you if you ran my credit you admitted doing so. 
You and First Direct Lending will be reported and prosecution will ensue. 
Please understand and read this email that is very clear I know my rights under the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i have been banned for making returns by XXXX retail store due to the retail activity report provided by the retail equation as of XX/XX/XXXX. XXXX corporate office representative ( XXXX ) states that they are unable to assist me, please contact XXXX ( XXXX ). i ordered the RAR ( retail activity report ) and received it via email. I initiated a dispute via postal mail as web/email was not an option, however, i ca n't obtain any confirmation that the letter of dispute has been received nor has an investigation has been started. the use of the report is not disclosed to consumer via website, sales receipt, nor XXXX credit statement. It is only after the restriction is in place that the use of the company is disclosed. As of XX/XX/XXXX is have not been successful in have the inaccurate information removed. I was told by the XXXX agent via phone that after XX/XX/XXXX i will be to make returns at any XXXX store. If i accept this action, I will need to store XXXX unworn, resale-condition merchandise and allow my XXXX credit account to be delinquent.

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 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Refinanced my student loans thru XXXX but I ca n't get them off of my credit report I do n't owe them any money and when I dispute them keep coming back with I do n't why we are on your report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit report refused to do their duty under the law so I involved the FTC and the Police Deprtment

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with U.S. BANCORP (GA).
Issue: Other

Complaint: i have a credit card with Fidelity. I had a purchase that I disputed back in XXXX 2016 to XXXX XXXX XXXX - XXXX XXXX. Fidelity moved the credit cards to Fidelity Rewards VISA. Since the disupute started with XXXX XXXX I faxed all requested documentation to XXXX XXXX XXXX. FIDELITY REWARD VISA stated they never received my dispute from XXXX XXXX XXXX. So, I faxed all documentation to them in XX/XX/XXXX. I called in XX/XX/XXXX and they said they still had not received my fax. So, I faxed it to FIDELITY REWARDS VISA AGAIN!!! So, at this point i have faxed all requested documentation to this company. Today I noticed they reversed my disputed amount of {$1100.00}. I called and asked to speak with a supervisor in the disuputes department. I spoke with XXXX employee id XXXX. She refused to give me her last name. I have faxed this information 3 times. Please assist me in this disupute.

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 08-02-2015 about Credit card () with U.S. BANCORP (NY).
Issue: Other

Complaint: A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. EQUIFAXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation