milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went  unanswered. 

XXXX XXXX Please remove this file from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXXTHE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXX TO BE REMOVED.

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 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: As of today, XXXX XXXX, 2016 I pulled my credit with XXXX and noticed that a new collection has been placed on my account. I also noticed that this was under a name and address not associated with me. I have recently, as of XXXX XXXX filed multiple complaints with the CFPB, FTC and all three ( XXXX, XXXX and XXXX ) concerning identity theft. I also understand that the original creditor is XXXX XXXX XXXX, to which I have never had an account. My wife and I have always split our utilities and she has always had XXXX XXXX XXXX in her name. Even so, her name as is mine, is not similar to the name being reported on my credit report. This needs to be removed immediately because this is indicative of identity theft.

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 09/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I checked my loan payment history and discovered that my interest paid each month varies significantly, sometimes as much as XXXX %. My principal is not going down as fast as it should. I am set up on an automatic payment plan so payment is made same time each month, no late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage continually misappropriates my payments. They put the money wherever they feel like, and I have to call on a monthly basis to get it straightened out. I pay my taxes and insurance and have had no escrow since the establishment of the mortgage. In XXXX, they paid my insurer, out of an escrow account that did n't exist, XXXX 10 XXXX days after I paid the homeowners insurance in full. Then they made me responsible for getting their money back. I received a check from my insurer. I put the check, a letter describing what happened and what needs to be done, and a copy of their letter that detailed the situation. The money was full appropriated to my principal and they told me my escrow account, which does n't exist, was in arreers. I had to call to get this matter straightened out and they had XXXX XXXX XXXX payment misappropriated. If I would n't have checked on my mortgage, I would have been " late '' on payment because of this. Now, as I attempt to make another mortgage payment, They have increased my payment approximately {$64.00} to cover escrow costs. THERE IS NO ESCROW ACCOUNT, THERE NEVER WILL BE!. I now have to call them again and get my account straightened out. They are under several investigations, and have several pending lawsuits against them. I want my mortgage sold to a reputable mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I originally opened my account with Wells Fargo in XXXX XXXX as a result a scam that a home improvement contractor, XXXX XXXX, had inflicted on me, where he told me that a payment of {$4000.00} by check had bounced, so I wrote another check. The first check did n't bounce, and it was too late to stop payment on the second {$4000.00} check. So I opened an account at Wells Fargo where he did his banking, hoping to catch him depositing my check. I explained all this to the manager opening my account, asking what the minimum deposit would be for not incurring any fees. I did n't want to deal with this account other than the hope I was n't going to lose another {$4000.00}. He deposited the money elsewhere. I had such a bad experience with the whole job -- had to change my locks, filed a complaint, but did n't go to court -- I did n't want to think of him again. Now, 3 years later, I decided it was time to face it -- I would treat myself to my original monies I deposited into the bank. I thought it was {$1000.00}, but the bank said it was {$800.00}, so when I went to close the account on Fri XX/XX/XXXX, there was only {$460.00} remaining! {$340.00} in fees had been incurred. They argued that I had been getting statements all along, but emotionally, I could n't open them. After escalating the issue, they only returned 6 months of the fees, but I assert they misguided me when I first opened the account, as I wanted to deposit the minimum amount to have a fee-free account. I had 0 transactions with the bank, except for the opening and attempt to close on XXXX. Is there anything CFPB can do to help?

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 01-10-2018 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my XXXX. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: american express keeps calling from like XXXX and claiming to send police to my house to take me to jail was very vulgar language to address i owe this company more money than i even could pay for. or even could get credit for.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I do n't remember this credit card to be honest I receive a letter from the XXXX saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be XXXX for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was XXXX before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX/XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623

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 08-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with American Credit Acceptance, LLC (CA).
Issue: Problem when making payments

Complaint: On XX/XX/XXXX I purchased a car from XXXX and American Credit acceptance financed my XXXX XXXX XXXX On XX/XX/XXXX I had a bad accident and my car was totaled my insurance company sent an adjuster out and the car was deemed a total lost they cut a check to American Credit Acceptance for {$7900.00} they are still harassing me for payments when my insurance company has paid them off Ihad full coverage and gap insurance ive called American Credit Acceptance for a whole week trying  to get them to send documents to Gap insurance and they have been giving me the run around puttingme on hold for hours sending me to the different departments but the right one different representatives  are giving me conflict information this company is a rip off i want them to close my account and quit harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Bayview LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Once again we cant get Bayview to service their loan unless we file a CFPB complaint. 
Even Bayviews own attorney is frustrated with Bayview. The attorney informed Bayview several times over the last week - to remove the litigation flags preventing Bayview from speaking with us. Bayview is ignoring their own attorney and is refusing to remove the litigation flags, and therefore speaking to us, XXXX XXXX XXXX, as an authorized third party. There is a foreclosure date coming up very quickly and we simply do not have time to allow Bayview to continue playing these games. XXXX It is apparent that Bayview is ignoring their own attorney in order to force this property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with Union Home Mortgage Corp (TX).
Issue: Trouble during payment process

Complaint: I have been going back and forth with XXXX XXXX XXXX  XXXX about two late payments that are showing on my credit report from XX/XX/2017 and XX/XX/2017. I Have never been late with my payments and when i spoke with them they claim their system was down and didn't process my payments on time but they refuse to correct the error that was caused by them not me. This has hurt my credit scores in a big way and i need this taken care of immediately.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
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 report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.

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 10/27/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been try to communicating with this collection agencies by asking them to provide proper documentation by validating that the account belong to me by showing the proper documents with my signature on it and make sure this account was opened by me and know one else. They refused to they just send print off stuff that im not aware of. I am willing to take care of account if it get validate properly

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Trouble during payment process

Complaint: I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers.   I n   XXXX   XXXX   XXXX  , I re ceived a loan modification from   XXXX   XXXX   XXXX   .    The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate.   I n   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    was now the new servicer and I was making my payments of  XXXX  which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately.   On  XXXX   XXXX ,   XXXX   XXXX   XXXX    started charging me a fee for the city taxes. I disputed the charges with   XXXX   XXXX   XXXX   and the   XXXX   XXXX   XXXX   . I continued to make the required payments of  XXXX .      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   started sending me checks for different amounts. I sent the checks back to   XXXX   XXXX   XXXX   with a letter stating their error in posting my payments in a timely matter. This went on for two years.     On   XXXX   XXXX   XXXX  ,  I received a letter that   GreenTree will now be the new servicer.
Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem  anding that I send a check to bring my loan current.   On     XXXX   XXXX   XXXX  , my loan went into foreclosures status.
I continue making my pay  ments but they were never credited to my home loan.    Greentree held my payme nts form  XXXX  to  XXXX  and the money was never taken from my banking account.    GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current.   I had no communications with the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EXPERIAN HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EXPERIAN JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EXPERIAN TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Consumer went through XXXX from XX/XX/XXXX-XX/XX/XXXX and had a complaint in with my XXXX because XXXX was charging for procedures I never had. Received an updated bill from dentist that shows a XXXX balance before XXXX XXXX was involved. XXXX XXXX has made up a new bill that shows consumer owes {$1300.00} on credit report. Consumer has disputed this item for two years with all credit bureaus to no avail. Credit bureaus have curtailed all disputes. Consumer has contacted XXXX XXXX several times but was either placed on hold or transferred out. Consumer has attached a copy of the XXXX balance bill that was submitted to consumer by the local XXXX. XXXX XXXX will not budge even when I complained to a state agency. They did adjust the amount of the bill which is bogus.

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 07/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Other

Complaint: I keep receiving credit card pre-approved offers from Capital One Credit Card. I have asked them to stop via phone and have returned mail to them over XXXX times. Still ... they keep mailing them to me. At least every 2 weeks. And, in a two week period I received about XXXX offers via us mail. I would think that their pre-approvals would affect my credit.

Company response to consumer: Closed with explanation