milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling 3 times a day on both personal phone and work phone

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Privacy

Complaint: I am trying to update my address with Capital One to the USPS standard of XXXX XXXX XXXX XXXX, XXXX, WI XXXX, but they claim my new address in in XXXX which is incorrect and I do not want it reported to the credit agencies as such, but they will not correct their system issue

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report.

Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated.  Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy 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 explanation
Consumer complaint received 06/13/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: We provided all the documents they need to refinance our home mortgage. Home appraisal was done from our pocket. We were very upset about the XXXX months waiting for this home refinancing. We just wanted to rate the service of XXXX XXXX XXXX # XXXX as very, very poor and we would like to file a complaint about our experience ; very poor in communication! My husband called the secretary or assistant more than XXXX times and left a message all the time XXXX and also called XXXX 's cellphone so many times but no reply at all. We highly expected that they could help us with our loan because we were struggling financially and we were living paycheck to paycheck and hoping that they could lower our monthly payment and it did n't happen at all. All we want is their communication if they 're still going to process or not. We have waited for nothing! The money that we spent for home appraisal was wasted. And without them knowing, we paid late payments for our home mortgage and other bills because we 're expecting that it will be closed soon. We have an option to look for another banker or lender, so it could be done as fast as XXXX days. But simply informing us that they ca n't finalize the loan is an easy task to do but we did n't hear anything from them at all. Even my questions, worries and anxieties were not answered at all ( especially those bills that came regarding supplemental tax bill and updated home insurance ) which were already late too. He do n't have a heart to help others! We wasted a lot of money and time for nothing!!! They keep on giving us promises that it will be close by XX/XX/XXXX, then XX/XX/XXXX and now around XX/XX/XXXX or XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: Below is my letter to DITECH stating the issue followed by their unjustified response. ; I included my Account number to them to ensure they could identify me by name or Loan Number. 
Before writing the letter we spent 30 mins on the phone to talk to a customer service rep who insisted that the {$65.00} fine for the {$61.00} deficit in the payment was justified and there was n't anything she would do about it. 
I think that more than 100 % penalty for an error originating from change in interest rate is egregious. 

Hello, I have been a loyal customer in very good standing since XX/XX/XXXX with XXXX before being transferred to Ditech about 4-5 years ago. 
Our payments have ALWAYS been on time on the XXXX of every month. 
For the First time in 13 years, the payment on XX/XX/XXXX was paid with an amount less than {$61.00}. 
Our payments for the last year have been {$1200.00} which we paid with Auto-pay. 
In XXXX, the amount changed to {$1300.00} and the Auto-pay paid the previously scheduled amount of {$1200.00}. 
This was NOT an intended dtefault in my mortgage payment. 
This was NOT an intentional partial payment for lack of funds. 
I have been slapped with a penalty of {$65.00} which is more than the amount I owe! 
Considering that this is the first time this has happened in 13 years AND considering that this was an honest overlook on the Auto-pay, I request that the penalty of {$65.00} be refunded to me as a good will gesture to a loyal customer in good standing. 

DITECH 's unjustified RESPONSE : On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Thank you for your recent inquiry. Ditech is unable to assist you at this time, as the information you provided can not be verified. 

If you are a Ditech customer, please visit www.ditech.comXXXX to register and log in, or contact our Customer Service Department at ( XXXX ) XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX. Central Time or send a signed request to : Ditech Customer Service XXXX XXXX XXXX XXXX XXXX, SD XXXX FAX ( XXXX ) XXXX Thank you, Ditech Financial LLC Customer Service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi m name is XXXX XXXX XXXX my date f birth is XX/XX/XXXX and my ss # ends in XXXX In XXXX/XXXX/XXXX I contacted AFNI the collection agency that has my debt of XXXX from XXXX and the agent who answer the phone said they are not able to fine my account neither with my social security number or my name or my date of birth so they ask me to contact XXXX which I did the same day and their collection department told me the same thing AFNI told me they were unable to find anything yet they are still reporting on my credit so I want them to close my account and removed that from my credit report today I called agin and I had the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: in XX/XX/XXXX a collection acct showed up on my credit reports from eos cca. In XX/XX/XXXX I contacted the company through the phone # listed on my report after not receiving a dunning notice. I advised this is not my account and I do not owe their company and asked them not to report to which they responded by hanging up on me. I called back and spoke with a supervisor and explained again this is not my account and that I would need to start recording the call which was met with the same fate of the survivor hanging up on me. I then contacted XXXX and they stated they had no information in regards to me owing any amount to them. I then contacted eoa cca to advise what I 'd learned from XXXX only to receive rude and accusatory comments. I did n't not reside in the state that the representative said the account was in. 
Persistent attempts to collect debt that the consumer did not owe. 
Improper communication tactics. 
False statements or misrepresentations. 
Failure to disclose information that would allow the consumer to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree took over my account servicing from XXXX in XXXX 2013. I have had nothing but problems with them. 
Last year, they forced me to pay extra into escrow, even though I provided information that I did NOT owe that money. They did refund the extra at the end of the period. In fact, I complained to cfpb about them at the time. I got a response from you that Green Tree was '' researching '' the complaint, and never heard from you again. 
THIS year, they stated that my escrow was low {$1400.00}. My taxes AND insurance only went up about {$500.00}, so I do not know how they came up with {$1400.00}. I have written them XXXX times and get nothing sensible back, and they take XXXX weeks to respond. I paid {$1000.00} into escrow. They increased my payments anyway, and XXXX letters later, I finally paid the {$460.00}. They still demand the higher payment. Well, in fact, they now DO NOT SEND my statements. Twice they sent responses with attachments but the documents were NOT included. 
I have had no statements for XXXX, XXXX, and nothing now for XXXX. Their " representative '' called me at the time I sent in {$1000.00} and started yelling at me. He would not listen to anything I had to say. I refuse to call them. I write everything. 
I need my payments set right, and I need my statements. 
Green Tree is not responsive to customers. They have not been answering my letters and they are purposefully not sending my statements, because I have been receiving other mail XXXX HARP refinance, which is probably required by the government ) from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Medical) with Firstsource Advantage, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A relative used my social security number when checking in to a hospital. He did not have any identification of mine, he just knew my social security number. I have tried to get any documentation from the collection agency proving the medical bill belongs to me and explained that a relative had stole my identity. They have refused to provide any documentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (FHA mortgage) with CROSSCOUNTRY MORTGAGE INC (OH).
Issue: Credit decision / Underwriting

Complaint: My loan officer was lazy never called or emailed me we asked to be put in the no money down payment from the beginning and he never submitted our application then he lied so many times to us We had to use all our savings for the down payment because he did n't accommodate us he never answered our calls or emails He was extremely lazy we asked him to lock in our rate with such a great credit score that we had he still charged us XXXX And when we wanted out thenow he told us we will get sued this was one of the most uncomfortable experience I 've ever gone through then to find out the loan officer bank is no longer in service I just wan na cry ps I dint think it was in service at the time of the transaction

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I spoke with XXXX at Equifax of the XXXX team ( supervisor ). 

Investigate was submitted on XXXX XXXX for XXXX XXXX XXXX. Equifax claims it was completed on XXXX XXXX, 2016 however when I checked online the investigation still states case is still under investigation online. This is past the 30 day mark and the Creditor should be remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with PAYPAL HOLDINGS INC. (DC).
Issue: Payoff process

Complaint: I obtained a PayPal Credit account nearly two years ago. I only used it for XXXX purchase - an airline ticket. I never received any statements from PayPal Credit, I never received any contact from PayPal Credit. I received a call from PayPal Credit in XXXX saying that I had an outstanding balance. I immediately began paying and was told that I could arrange monthly over the phone, which I did. I have been paying monthly since then. 

PayPal Credit then sent a statement - which I asked for during that call - to the wrong address. When the statement was returned to PayPal Credit, they deactivated my account ( without notifying me ). When I found out that my account was deactivated, I was told it was a very simple process to merely reactivate it so that I could link it to my PayPal account. Subsequently, I was told that my request to have my account reinstated was denied due to previous late payments. This is absurd! THE ONLY REASON ANY PAYMENT WAS EVER MISSED IS BECAUSE PAYPAL CREDIT NEVER SENT ME ANY STATEMENT OR HAD ANY CONTACT WITH ME AT ALL AFTER MY FIRST AND ONLY PURCHASE. 

I know have a PayPal Credit account with a {$220.00} balance. The account had a credit line of more than {$1000.00}. My usage rate is well below 25 % but Pay Pal Credit will not reinstate my account! 

I believe PayPal Credit 's practices are unfair, abusive and misleading. The used misleading marketing to lure customers into using their service XXXX a one-off basis and then failed to ever contact me. These sorts of unfair and abusive practices target customers who do not fully understand the terms of their product. 

I would like my PayPal Credit account reactivated and linked to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been battling with statements/phone calls to the XXXX credit bureaus for the past four years. I was in a XXXX marriage four years ago and have since never been late on anything, I have been told several items were deletedI have been battling with the XXXX credit Bureaus for the last three years, I have been on several phone calls and provided statements. There is several discrepancies on my credit report. From items that were supposed to be deleted to several ( XXXX ) recent inquires that were not approved thru me. I also still see rental property ( XXXX on my credit reports that were supposed to be deleted due to being in a very abusive relationship and I was in fear for my safety. My ex husband had all my personal information and manipulated several of my finances, I managed to start fresh and gain new credit and have maintained it very well, the problem I am facing now is that last XXXX I was applying for a vehicle at XXXX XXXX XXXX and asked that they only attempt once thru them, because I new how hard several inquires would be on my credit.. I was not real worried about not qualifying for I new my daughter would sign for the vehicle. I am now looking at my inquires and since XXXX 2014 I should have XXXX hard inquires which is XXXX XXXX XXXX XXXX XXXX XXXX I have heard that my ex spouse stated he will continue to make sure my credit does not succeed. I am please asking for a review of my Credit reports I do not know where else to do. It would be greatly appreciated if you could please guide me in the right direction. I recently this month paid down on a few of my credit cards to change my credit card utilization score, this is my first time trying it this way, I am really hoping to see results after three long YEARS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Armor Systems Corporation (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to get verification of this debt from Armor Systems. They have refused to send me documents that  fully verified the debt. I have got some paperwork from them but it was only screenshots and no paperwork showing a contract of myself actually owing this debt. Also, failed to show a wet signature proving that this is my alleged debt. I will attach my mailed requests to this complaint. Armor Systems has been taking my state tax returns for 3 or 4 years without full verification of this alleged debt. They will take this current year 's state tax refund from me as well.

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 01-10-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have put a complaint on chexsystems in reference to a fraudulent account with XXXX that was opened in my name. I also attached the police report this is hindering me from being able to obtain an auto loan a chexsystems has not tried to help me expedite this problem and I have no transportation to get around and my approved auto loan is being delayed because XXXX of the conditions was to open a savings 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 03/31/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection account mysteriously appeared on my credit report in the amount of {$2400.00}, after I filed a claim with the CFPB about a collections account from the same credit reporter that again was not attributable to me. This looks to be retaliation for using my rights in filing a CFPB complaint against the collection agency in question.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HONOR FINANCE, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 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: Reporting company used your report improperly

Complaint: Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and Equifax shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. Equifax has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.

Company response to consumer: Closed with explanation