milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: company states debt will be removed, Has not done this yet

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with Second Round Limited Partnership (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka XXXX XXXX and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement  and illegible piece Paper that only showed an amount, not a statement from " XXXX XXXX " Recently XXXX XXXX erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, XXXX I bought a house through GMAC Mortgage company. I lived in the house until I sold it on XXXX XXXX, XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of GMAC mortgage was bought out by OCWEN Mortgage and it appears on my XXXX account even though the GMAC account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to OCWEN on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I spent over an hour and a half on XXXX/XXXX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( GMAC and OCWEN/GMAC ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an outstanding XXXX balance, they had first sent it XXXX, then they removed it, and they sold it to enhanced recovery where i settled and paid my debt, I then received XXXX phone call about still owing my XXXX XXXX XXXX bill to XXXX. XXXX XXXX XXXX had never closed the account, and still shows i owe a outstanding balance. I am not sure which company is at fault, I just want it taken care of. I have been on the phone with enhanced recovery all day trying to get an paid in full email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, in XXXX through XXXX of 2017, breached all of my credit report information to hackers. I am XXXX years old and this will have an impact for the rest of my life. My SSN will NEVER change, my name will NEVER changed. My address may change but that wo n't be hard to find. I 'm going to have to live with this and the potential problems for eternity.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/Experian/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXX/Experian/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.

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 01-11-2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Closing/Cancelling account

Complaint: I have had my account with my LOWES credit card for many years without issue. I set up recurring payments and paid on time. 

Last summer I got a new bank account and switched my recurring payments to the new account. For some reason lowes ONLINE account reverted to the old account and XXXX payment bounced back from my bank as INSUFFICIENT. I noticed it did not come out of my NEW account and fixed it within about one week. I called Lowes and they refunded the late fee due to it being some sort of error and the REPRESENTATIVE said they would DELETE THE OTHER ACCOUNT. Then apparently did not. 

On XXXX XXXX I noticed that the {$200.00} payment did not come out of the bank account so I checked it online. It was returned so I immediately paid it. I checked and it was attached to the CLOSED bank account that they were suppose to delete so I PERSONALLY deleted the account. 

Lowes Synchrony Bank PERMANENTLY CLOSED my credit account over this. This was due to system and/or representative error. I never received notice that they would close it. I called and they will not re-open stating that it is their 'policy '. 

I want my card re-opened and my credit report to reflect no wrongdoing on my end.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.

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 11/22/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was sold by XXXX to XXXXLoan Care after being with them over a year. Our mortgage payment is going up considerably because our property taxes went up, so there is a shortage in our escrow account after being sold. We would like to handle our own escrow account so our monthly mortgage payment does not go up so much that is becomes unaffordable. The issue is that by law the mortgage company is allowed to collect more than they need in order to have a reserve, which impacts our monthly mortgage payment. By managing our own escrow account we can just continue to pay enough to cover the taxes and homeowners insurance. The other issue is that we can never get through to anyone that can make a decisiion in the Escalation Department and Customer Service will not give us a direct number. My wife has been calling and sitting on hold for hours and than will get conflicting information on their policy. It seems like they just want to run out the clock since we either have to give them a lump sum by our XXXX 2016 payment or pay the new monthly payment which is {$300.00} more than we we have been paying.

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 10/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Bank has refused to modify my mortgage even after I made all the modification agreement payments. 
1. In XX/XX/XXXX I entered into a modification agreement with Wells Fargo bank to modify my mortgage. 
2. The modification agreement stated that after I made XXXX XXXX XXXX XXXX payments, Wells Fargo would modify my mortgage. 
3. I made the XXXX mortgage payments to Wells Fargo Bank. 
4. But Wells Fargo has not modify my mortgage. 
Wells Fargo Bank has refused to provide me with modification assistance since XX/XX/XXXX. 
5. I have been applying to Wells Fargo bank for mortgage modification assistance since XX/XX/XXXX. 
6. Even though I was qualify for a Mortgage modification in XXXX, Wells Fargo refused to provide me with Mortgage assistance. 
7. On multiple occasions in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Wells Fargo bank has refused to evaluate my Mortgage Application in violation of RESPA laws. 
8. Wells Fargo violations of RESPA consumer laws has continue to harm me and my family even after I made all the payments under the modification agreement. 
9. These action by Wells Fargo has adversely affect my credit standing. 
10. These mortgage lending violations by Wells Fargo Bank has severely harmed me in my ability to obtain new credit, and obtaining credit at excessively high interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. 

Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, TransUnion has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA. 

I have attached the first page of the four dispute letters that I sent to TransUnion, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that  notarized the dispute letters.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I can not access my credit report because it is confusing me with my twin brother. XXXX, XXXX, and equifax have not helped me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

YOU ARE placing a fraud ALTER ON MY CREDIT REPORT I DID NOT REQUEST IT!!! 

THIS IS A SCAM NOT TO DO YOUR JOB, WHEN YOU PLACE AN ALERT TO DO N'T HAVE TO INVESTIGATE!!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!

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 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Merchant name : XXXX XXXX  # XXXX Claim amount : {$550.00} Transaction Date : XX/XX/XXXX To Whom It May Concern : Upon viewing my year-end card summary send by my credit card account I noted an unauthorized charge appearing to have occurred in XX/XX/XXXX. In speaking with my credit card/banking company, the claim was quickly closed as it was outside the dispute window of 60 days. However, I am pushing to contest for further investigation.

In my research of the Merchant I contacted XXXX XXXX XXXX to ask about the # XXXX site the number denotes site/store codes. The XXXX XXXX # XXXX site was only to be the location code of the XXXX WA XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX - Phone : ( XXXX ) XXXX ).

I spoke with a representative from the site, who explained that monetary transactions from the site do not occur unless it is a matter of internal employee billing. Additionally, 1 ) I have never been an employee or employee of an XXXX XXXX  subsidiary company 2 ) I have not purchased an item from XXXX XXXX or a subsidiary company since XX/XX/XXXXand said purchase was a printer ink cartridge.

Moreover, in investigating this Merchant I found a number of similar claims online : The credit card or debit card charge XXXX XXXX # XXXX XXXX WA was first spotted on XX/XX/XXXX. This charge has been reported as trusted by 31 users, 31 users marked the credit card charge as suspicious. ( XXXX XXXX XXXX ) Looked at my VISA acct & reported suspicious charge from XXXX XXXX  # XXXX. If you look at XXXX XXXX  website there is no such store. Closed my visa acct. XX/XX/XXXX ( XXXX XXXX XXXX  ) The amount of {$250.00} was charged to my credit card twice on XX/XX/XXXX, a total of {$500.00}. I live in Alabama, and I did not make any purchases in XXXX, Washington. ( XXXX XXXX XXXX  ) This was undoubtedly an unauthorized and fraudulent charge on my account. Therefore, I am reaching out once more for a higher level of examination and support in resolving this case. Thank you for your time and consideration.

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 monetary relief
Consumer complaint received 10-12-2015 about Credit reporting () with ERC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not mine when I called ERC XXXX enhanced recovery ) they had a different name on the account an Ohio address for whoevers account it is. They had me e-mail in a copy of my DL and a brief explanation and said it w/be taken off my credit report. I did, it was n't. So I called back a few months later the lady said she saw all the info/conversations that had taken place and did n't know why it was n't off my credit report. She had me send in everything I had previously sent in again. Here it is another couple of months it 's still on my credit report. They have admitted it should not be on there so why have n't they removed it? In fact, they reported it this month to a different agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. 
As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. 
According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. 
For clarification, my husband is the veteran.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a case in which my ex husband was still covered under my medical insurance, but saw a doctor after our divorce and the delinquent bill is being reported under my name. His current address is also being reported on my credit report in which I have no affiliation. I have requested the removal of XXXX items twice and Experian has not done it nor have they provided me with the reason why. XXXX XXXX did remove all information but I continue to fight with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation