milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2018, I sent the attached letter to Equifax requesting they verify the name being reported on the account. I received notification that the account was verified and remains on my report. This is impossible as the account does not belong to me and is NOT in my name and never was at any point per XXXX XXXX. I don't understand how Equifax is stating they verified my name as being reported for this account. My rights are being violated per FCRA and request this gets re-looked at and immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Medical debt) with Remex, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX Hospital to another company. I called recently because the account is still on m Equifax account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital in XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This unknown caller was calling my phone and would not leave message and when they would call there would be no one there. They are now calling my mother every hour on the hour.. ENOUGH

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX and XX/XX/XXXX sent to Equifax regarding an inaccuracy in your credit reporting. I just received a letter from Equifax describing what inquiries are with no proof of my authorization of these inquiries, Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.  XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 3. XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX 4. XXXX- XX/XX/XXXX 5.  XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX/XXXX- XX/XX/XXXX 14. XXXX XXXX/XXXX- XX/XX/XXXX 15. XXXX XXXX XXXX XXXX- XX/XX/XXXX 16. XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX- XX/XX/XXXX 18. XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XXXX XXXX XXXX- XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I went through XXXX to dispute my credit reports with XXXX and Equifax. 
XXXX removed a credit card account that then showed up on the Equifax report, which was n't there before. The credit card dispute is for a XXXX account that was closed in XX/XX/2004. 
I called Equifax directly to dispute both employment information and the credit card account. They told me over the phone that they could not remove it. I filed this complaint. I also called XXXX directly and requested they contact the reporting agency to tell them to remove it. XXXX stated it could take up to 20-30 days to see any changes. They stated they would contact XXXX reporting agencies to resolve my issue. 
What I learned today, is consumers must call the creditor and have them authorize and demand removal of the credit discrepancy if the reporting agency is unwilling to do so. Otherwise there is a large law suit and call for consumer action activists. 
The problem with the employment information is there is no automated selection or choices to remove old employment information. This needs to change. 
I have now spent an entire day to clean up my credit report. 
I do not have the file associated with this account because it is so old I destroyed it. XXXX still had me on their system. Unbelievable. I was also just told by a XXXX agent that they are required to keep report our accounts for 10 years, yet web site stated it is only 7.5 years. WHO is RIGHT? What is the time credit reporting time frame for our information?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Received several phone calls at home around XXXX-XXXX. Upon answering, the caller just hangs up. This morning, I called the number shown on Caller ID ( XXXX, no area code ), and a woman named XXXX ( refused last name ) said she was from American Medical Collection Agency and was calling due to an outstanding bill for my husband ( XXXX ) from XXXX XXXX on XX/XX/XXXX. She wanted a payment today, and I said we have full insurance coverage and this should have been paid by insurance. She said it was not, and she said this will " hit '' his credit if it was not paid today. I said I have never received any written notice of this debt, and she said if I would provide my email, she would email the notice. I said since I do not know who you are, I am not providing an email to you and you need to send written notice of this debt to my mailing address - of which she had. She again said that this would " hit '' his credit report if I did not agree to payment arrangements today. I said send it to me in writing, and I will send it to my insurance company for review. I also told her about the timing of the calls, as well that they were just hang-ups without any person on the line, and she said she would notify her company. I informed her to cease and desist with all calls before XXXX my time. When I requested her company information, she provided the following : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY 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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac Loan Services will not remove the PMI payments on my mortgage. I have made numerous additional principal payments to get the principal below XXXX % of the originally appraised value ( {$240000.00} ) on the mortgage. I have never missed a payment and requested that the PMI be removed when the L : V ratio fell below XXXX % of the original appraisal back in XXXX 2015. At this time they ordered a BPO, which found the value of the property to fall from {$240000.00} to {$230000.00}, therefore denying the PMI removal request. I was told by PennyMac that as a result of the BPO, the L : V ratio needed to now be below XXXX % of the orginal value in order for the PMI to be removed. Under instructions from PennyMac, I made further additional principal reductions to get below the 78 % L : V ratio ( based on the original appraisal ). PennyMac is still refusing to remove the PMI even though the L : V ratio is now below XXXX % of the orginal value. Since beginning this process, I have followed up numerous times only to be told different information each time I call. The usual excuse I am given is that they are looking into it and I should wait 10 business days for a PMI removal resolution to be determined. In the meantime, I am still making PMI payments even though my principal balance is below XXXX % of the original value. In my opinion, PennyMac is intentionally providing me with misinformation and using delay tactics to extend the PMI payments on my mortgage. Please assist in getting the PMI removed from my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXXand XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer has added negative remarks to my credit report for a mortgage discharged in my bankruptcy previously serviced by greentree and XXXX.I have disputed these remarks before and XXXX XXXX XXXX agreed and removed them.They have the account discharged but under history they have marked ( late XXXX plus days ) and ( worst delinquency ) '' collection '' .No discharged account can be marked as late or in collection, as per federal law.

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 10-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the Morning of XX/XX/XXXX I woke p to a text via Chase Bank stating my checking account had been overdrawn over {$3400.00}. I immediately contacted the claims department before XXXX on XX/XX/XXXX to notify them that all these charges were fraudulent that were pending. I also filed a police  report with the local police, contacted all 3 credit bureaus to file fraud and social security to file fraud and stolen identity. These charges started out with a {$2.00} amount increasing to $ XXXX- {$800.00} transactions which is not more normal spending habits. The charges occurred starting from an online wiring company to transaction in XXXX and XXXX for hotels. The claims department told me to rest assure they would get my money back. Someone also posed as me and contacted Chase to up my limit to use my account to make these transactions. Over one week going by of me having to contact claims, escalation team, executive office and several local branches I finally got in Chases words a temporary refund. Their executive team told me my case was resolved all funds were refunded and they were closing the case. 3 months go by and on XX/XX/XXXXI wake up to the funds be reversed by Chase Bank. I immediately contacted them and they said they notified my via mail of this reversal which I never received because if I had I would have contacted them right away. Now I have been pushed around and blown off the past month in a half with all my money taken again and my account left in the negative which has trashed my credit, caused my bills to be late, late fees ... literally destroying my life because of Chase Bank not protecting my hard earned money I entrusted them with. I am filing this complaint on behalf to get my money back that chase owes me. They have threatened to also close the account and turn over as a charge off to my credit and send me to collections for something I did not do. I will not stop going after Chase until I receive my money back. I trusted my money with Chase and they did not do there job securing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After disputing a medical collection with the credit bureaus I requested VALIDATION of the alleged debt. The collection agency sent me what they call verification which is a computerized generic bill. I looked up the address of the hospital and I do not ever recall going there for anything. I would like validation not verification as anyone can draw up a bill and say I owe it. This debt is not mine.

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 05/18/2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In 2013, I disputed with Equifax Account XXXX XXXX with Equifax based on a plethora of inaccuracies. As expected, the item was deleted from my credit report. However, recently I have noted that Equifax has re-inserted this previously deleted item. As well, Equifax failed to provide timely notice to me of this action taken as required by the FCRA 611 ( 5 ) ( B ) ( ii ). Attached is the dispute results from 2013 which indicate the item was previously deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We want to know why Wells Fargo started the foreclosure process in a letter dated XXXX/XXXX/13 when we completed the list of requirement and promptly returned phone calls and made additional calls to XXXX XXXX of Wells Fargo. 
Why have n't all letter been sent to the Consumer Financial protection bureau especially the completed RMA 's with all additional information that XXXX XXXX of Wells Fargo requested, information that we have sent to Wells Fargo between XXXX 2013 and XXXX 2013, and a letter dated XXXX/XXXX/2013 that stated that Wells Fargo has referred our mortgage to their foreclosure attorney and the foreclosure process has begun. 
We would like to know why we needed the help of Congressman XXXX office to contact Wells Fargo despite our tireless effort to contact XXXX XXXX and Wells Fargo Between XXXX 2013 and XXXX 2013.

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 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a notification through a credit monitoring system that a collections account was posted in my credit report. I found the information of the agency and after I called them they realized that the collections account belongs to my dad, and it 's related to a medical service that my younger brother received, at least that 's what they said. At first they refereed to my brother as my " son '' which is another obvious information mismatch and I clarified to them that I 'm single and I do n't have any kids. My dad and I almost have the same name, and we used to live in the same place but my birthday and SSN is obviously different. They told me to open a dispute with experian so when the collection agency receives a letter the will remove the account from my credit report. I tried to submit the dispute online with experian but the website told me to call them personally when this specific kind of issue ( mixed information ) happens. When I received the results of the dispute they stated that the collections account will remain in my credit because it belongs to me ( even though that the collection agency verified that it belongs to my dad when I called them ), so I went ahead and called again to open a second dispute but the result was the same. I do n't understand how my Dad 's and my credit report can get mixed up if with have different birthdays, and SSN. I do n't have any other credit history before 2014 because I was n't even in the country by that time. If you check all my other accounts are in good standing, and I have no problem to pay such a small amount, but the collection account is simply not mine. I provided my ID so you can verify that my information ( SSN, Birthday and second last name ) does n't match with the information that the collection agency has on record. I also provided experian with documents but I do n't know if they even used them. I also attached the report number and disputed item

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 04/14/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2016 I received an email that my computer was infected with a virus and I needed to pay to have it fixed by XXXX. I used my Discover card to pay before I realized it was a scam. On XXXX XXXX, 2016 while I was trying to resolve the issue I was transferred to XXXX because they said I needed follow up work. I paid {$240.00} to XXXX account with the same discover card. I did not give them the XXXX digit security code on the back of the card. Neither company did anything but place viruses on my computer. I contacted viruses on my computer. When I contacted Discover on XXXX XXXX, 2016 to report the fraud, they said they would investigate the first incident on XXXX XXXX, 2016 and would credit my account for the {$310.00} payment to XXXX XXXX XXXX, but refused to take action to investigate or refund my money for the XXXX incident on XXXX XXXX, 2016. I called Discover again on XXXX XXXX, 2016 to dispute the charge to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Mortgage (FHA mortgage) with Innovative Mortgage Services, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: Complaint Description : Possible fraud on multiple federal loan applications by Innovative Mortgage Services and their broker, XXXX XXXX I submitted two loan applications with XXXX XXXX, of Innovative Mortgage Services, who told me that I had been prequalified for XXXX ( XXXX ) 25 % loans with XXXX for investment properties in XXXX, FL. Each property is under contract for purchase of {$150000.00} each. I was denied the loans that I was " guarenteed '' by XXXX but qualified for loans not discussed at anytime during the loan process. XXXX XXXX stated that he tried to " trick the bank '' by getting me a different loan by a method that he was not willing to disclose. He also told me that he had withheld information from about my loan application from me and what I would as qualify for. I feel he was not only dishonest but failed to disclose all relevant information that he is required by law to inform me of. I attempted to contact his supervisor, XXXX XXXX, on XXXX XXXX and have yet to receive back from him. I have informed XXXX XXXX XXXX XXXX in Florida of the situation and they have immediately brought this to the attention of the bank president and are currently conducting their own investigation. Contact info for XXXX is XXXX XXXX XXXX XXXX XXXX behavior has been unethical and illegal. He knowingly withheld information from me and lied on a Federal XXXX. I addressed these claims to him and he admitted guilt to me on the phone on XXXX XXXX, 2015. He told me to " take the loan or find someone else. I have also contacted XXXX of the situation and they are also conducting a similar investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PNC Bank N.A. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: the company is CCS XXXX BANK, XXXX PNC BANK HAS XXXX THESE PEOPLE MY PERSONAL INFORMATION STATING THAT I OWE A DEBT THAT I DO NOT HAVE A LOAN OR NEVER DID HAVE A LOAN WITH PNC BANK NOW XXXX ARE CALLING ME MAKING THREATS OVER THE PHONE FROM PNC BANK PNC BANK STILL XXXX ME MONEY,, THIS IS VERY ANNONYING AND MY PERSONAL INFORMATION HAS BEEN GIVEN TO THESE PEOPLE WITHOUT MY CONSENT,, THIS ABUSE OF THE PRIVACY ACT WHICH I AM DISSAPOINTED BY PNC BANK TO GIVE MY PERSONAL INFORMATION TO STRANGERS.. PLEASE HAVE THEM STOP

Company response to consumer: Closed with explanation