milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After obtaining a recent credit report, I noticed that a debt from 3 years ago was still reporting as negative on my credit report. I tried reaching out to Diversified consultants, and they refused to remove the negative info against my name even tho it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX Veterans. Sending these e-mails and calling sometimes take me a lot of time. Bayview Loan Servicing , LLC . is retaliating against me for submitting my complaint to the CFPB ( XXXX ). They still do not answer my e-mail or mail. 
I was able to speak to XXXX today and she said that she could not speak to me because I filed a complaint. She says that BLS has until XXXX XXXX, 2017 to reply to my complaint and that my foreclosure trial is still on XXXX. XXXX, 2017. Is it possible to postpone the XXXX XXXX, 2017 trial. Thank you. 
Very respectfully, XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 filed a complaint { XXXX } on XXXX-2017 because Equifax refused to remove my authorized user trade-line. Besides my authorized user trade-line, I also have other XXXX XXXX accounts that are not authorized user accounts. Equifax deleted account XXXX - {$24000.00} - XXXX XXXX XXXX XXXX as instructed ... however they deleted all of my XXXX XXXX accounts to cause me harm. I called and spoke with a manager to no avail. He was very rude. I need Equifax to place my accounts back on my credit report. The account numbers are XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... all are XXXX XXXX XXXX XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After reviewing my credit report TransUnion had a Lien on my credit report that has been release. I have not file a formal dispute with TransUnion instead I wanted to file a case. So, I am uploading my information into the CFPB. This Lien should have been removed from my credit report once the release was recorded.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

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 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and Experian is reporting a balance of {$5000.00} with XXXX account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like XXXX to send the correct balance of {$0.00} to XXXX and Experian. I would like XXXX and Experian to correct XXXX account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.

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 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX MUNICIPAL COURT ( XXXX ) Says i owe {$160.00} XXXX different times on my transunion report and i have not been in XXXX or had any XXXX or XXXX tickets but my id and ss card was stolen along with my car in XXXX of 2014 and i would like them to be removed from my credit report because i dont even know what they are for

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: /Ocwen is in violation of the XXXX guidelines. On XXXX/XXXX/XXXX I submitted an initial package requesting mortgage assistance including XXXX, tax returns, paystubs, rental leases, bank statements, hardship letter, XXXX, XXXX letter and utility bill.I received a letter from Ocwen dated XXXX/XXXX/XXXX acknowledging receipt of my request for assistance. On Tues. XXXX/XXXX/XXXX I spoke with XXXX id # XXXX at Ocwen and was informed that the file was complete, no documents were needed and file was in review. At that time I scheduled a telephone appointment with the single point of contact, XXXX XXXX, for Tues. XXXX/XXXX/XXXX at XXXX XXXX. She never called.On Mon. XXXX/XXXX/XXXX I spoke with XXXX id # XXXX and was told that I had been denied assistance on XXXX/XXXX/XXXX. I was told I was denied for HAMP Tier XXXX and Tier XXXX because Ocwen said that they did not receive the initial package before the deadline of XXXX/XXXX/XXXX which is a blatant lie as evidenced by the XXXX/XXXX/XXXX acknowledgement letter! Futhermore, the denial letter said I was denied an in house modification because " the financial information I provided indicated that I have the ability to pay using my income. " My gross monthly income, as verified by Ocwen, is {$3400.00}. My current XXXX payment is {$2300.00} which represents a front end debt to income ratio of 70 % which is the text book definition of immiment default!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Credit decision / Underwriting

Complaint: Case number : XXXX Please be advised that this complaint has not been resolved. You have a history of the course of events surrounding my experience with Well Fargo, who established an escrow account because Wells Fargo violated my payment agreement with the XXXX Taxing Office and the XXXX Water board by paying my bill and establishing an escrow account and adding over $ XXXX/month to my mortgage payment.. Well many months have passed and finally, after I paid off the escrow and actually paid too much, a refund was due to me in the amount of {$920.00} as confirmed by XXXX XXXX in correspondence dated XXXX/XXXX/16. After several calls to XXXX XXXX, many of which were never returned, I have learned from her today, XXXX/XXXX/16 that the funds due me, {$920.00}, have in fact been sitting in a closed escrow account for almost XXXX months and should have been refunded to me almost two months ago. NO ONE followed up on my refund nor to XXXX XXXX, after closing the case, follow-up with the escrow department to ensure the refund to me was processed. XXXX XXXX promised to look into this after our conversation today and open another case to investigate as to why the funds were not sent to me. I find this to be deplorable business practices and wonder how XXXX XXXX can continue operate in such an irresponsible manner with no repercussions. Should n't I at least get interest on the funds held?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (MN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was not aware of a pending payment amounting {$260.00} as a medical bill as, my address changed and I did not receive any communication from the agency 'Nationwide Recovery Service '. It showed up on my annual credit report. I called and paid it through my debit card asap on XX/XX/2017 and all I asked for a payment confirmation or receipt of the payment. I was told that full letter will be mailed to my address in 10 business days. I requested an email confirmation sooner than 10 business days as I am traveling abroad before that. 

I was made fun of and laughed at by XXXX. I felt like she was rude and insensitive. Hence, I asked to speak with a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I received a bill from Fidelity Creditor Service. It was for a service on XX/XX/XXXX from XXXX. I never received a bill from XXXX. My Insurance, Was suppose to pay all bills. It turns out, once I looked into this, XXXX sent the bill to the wrong address twice and then sent the bill to collections. So, on XX/XX/XXXX I received the letter and the next day we inquiried with Fidelity Creditor Service about what this bill was for. They told me it was From XXXX. So I asked them to send me the bill from XXXX so I can see what services where provided for and what my insurance did or did not pay. The letter from Fidelity Creditor Service said that I had XXXX days from receiving the notice I received to question this bill. So I wrote to Fidelity To question this bill. 

Today I had my credit check on XX/XX/XXXX and I was informed that Fidelity Creditor Service put a XXXX mark on my credit report to XXXX of the credit bureaus on XX/XX/XXXX. Not sure how or why they did this since the letter they sent me was dated XX/XX/XXXX and I received the letter on XX/XX/XXXX, but Fidelity Creditor Service XXXX the Credit bureaus a late charge on XX/XX/XXXX almost XXXX month before I even received their letter letting me know about this Medical Bill. 

So, how do I get this off my credit report? 
Since, once I found out everything and verified what this bill was all about, we paid the bill. 

How can this company ding my credit before I even new about the bill? 
How do I get this off my credit rating? 
How can Fidelity Creditor Service even ding my credit even before they sent me anything. 
Also, I was charged {$120.00} in interest from Fidelity Creditor Service. How can they charge me interest for a bill that I did not even know about? 

Looking forward to hearing from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: One Main Financial ha s incorrect hard inquiries on both my   XXXX   and  XXXX  credit reports. They are showing inquires from  X/X/16   . Inquiries that I did not authorize . One  main financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX     and   XXXX   report. The inquiry date is  X/X/16

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Capital One closed my account ending in XXXX recently, there is currently a balance of XXXX. There are also two debit card refunds in the amounts of XXXX from XXXX, XXXX from XXXX ( XXXX ) which are due to post to the account within a few days. These are for returned items. Since the account is closed, I will need a check for these amounts sent ASAP. I 've attempted to reach customer service reps, however, hold times are extremely long and once I reach a rep, the call is then sent to their intake dept in which case a voicemail is left and not returned for several days. Needless to say, I am not able to resolve this issue directly as customer service no longer has access to account and intake dept takes several days to reach back

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 Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Experian obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Experian says the furnisher of the information is the courthouse, that is a big fat lie. How can Experian say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Experian. I also have numerous address and names and social security numbers attached to my Experian credit report that DO NOT belong to me. How can Experian have various social security numbers on my credit report and state that my report is accurate. That right there is ridiculous. I demand that these inaccuracies be deleted immediately or I will sue Experian for each violation. I am tired of going back and forth with Experian about this and I am prepared to sue them. I have attached drivers license to prove I was not living at these addresses Experian has attached to me along with the inaccurate information on 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 03-11-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NJ).
Issue: Taking out the loan or lease

Complaint: On behalf of my dad XXXX who is XXXX years of age. I am requesting an investigation as to why XXXX accounts were opened in his name in XX/XX/2016. Personal Line of Credit in the amount of {$8200.00}, Personal Loan in the amount of $ 16,000.00and a Credit Card in the amount of {$2000.00}. He does not remember signing documents, he was diagnosed with early signs of XXXX. I remember him receiving several calls from a Wells Fargo representative female caller during the months of XXXX and XX/XX/2016 and messages being left on the answering machine for him to return their calls. He advised that they told him he could earn more money on his accounts. I kept asking him who and what are they trying to sell you and he advised they are trying to help me. Enclosed please find documents to support my request. There were withdrawals when the accounts were opened and he indicated he does not remember receiving the monies. Just recently I learned that several employees were trying to open several accounts during 2016.

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 Debt collection (I do not know) with Coastline Financial Resources, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from ( XXXX ) XXXX telling me I was being served with papers would I be home. I demanded information from the lady that called and she told me to call Coastline at XXXX, ask for legal department and use reference number XXXX. I looked up the number and determined this is a scam on this website XXXX XXXX I gave them no information and do not plan on calling them back. I was sure this was a scam but now I know that it is.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX 2015 I purchased a car for my daughter, paying CASH. 
Equifax reported that my credit rating was too low to buy a car using cash? 
They reported my bank account at XXXX % of its actual value. 
They said my rating had to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i received a collection notice from XXXX and it is not my debt. 
1 it is not my debt i would like for XXXX to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is XXXX claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the recent news of the Equifax hack, I have checked with Equifax to see if my information has been compromised and stated that it might be. I assume that this automated response from Equifax means that my SSN and all my personal information has been compromised. I have not been notified in any way from Equifax regarding this matter from any type of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor XXXX XXXX of XXXX is billing me {$35.00} for a copay that was paid on the date of service. This facility requires payment at time of service ; however, I have been receiving phone calls in reference to this debt from a debt collection agency and just recently received a letter in the mail. I do not owe this and it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Ive sent Bank of America multiple requests to remove PMI from my home loan due to meeting the 78 % requirement since  XXXX   XXXX . Bank America has refused to grant my request stating that I must pay a partial claim in full before I am able to remove PMI. Ive asked Bank of America to send me language in writing which states that I am required to carry out such action. Bank of America has failed to do so.
I initially thought that I could use new appraised home values to remove PMI. I contacted FHA and was informed that I can only sue the original appraised value at the origination of my loan. As a result, I have amended the amount of PMI payments in which I shall be refunded. FHA also informed me that there is no language within the Housing Policy Handbook which states that I must pay my partial claim in full prior to removing PMI. My loan was modified in  XXXX . I understand that homeowners who obtained loans after   XXXX    are unable to remove PMI. However, this does not apply to my loan.
I was informed by a FHA resource representative that I have to make another attempt to contact Bank America to resolve the issue. Bank of America has failed to resolve this matter.
The original appraised value of my loan was {$200000.00}. Based on my amortization schedule, my current principal balance is {$160.00}. Ive met the 78 % LTV ratio since   XXXX    XXXX  when my principal balance was {$160.00}. As a result, I have recalculated the amount ( {$320.00}  XXXX    XXXX     XXXX   ) of PMI payments in which I shall be refunded. Can you please assist me with enforcing Bank of America to comply with the terms of contract agreement.
Regards,   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation