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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax just announced that in XXXX their data was hacked and the information of millions of Americans including myself had their information stolen. Their executives sold stock shortly after finding out, and only yesterday was it even announced that this happened. I was affected by this, but to find out if I was affected, Equifax tried to get me to waive the right to a lawsuit. I never chose to have my information known by Equifax, along with millions of others, and yet their data was never properly encrypted, they did n't release this information until months later, after they profited off of the company, and now I 'm expected to trust them to protect my information going forward. Once the information was released, a fraudulent charge showed up on my credit card that I had to flag with my credit card company, and I had to proceed to freeze my credit due to their irreversible negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with Harvard Collections, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report the beginning of XX/XX/XXXX and noticed with horror that a collection account was reporting XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX., {$500.00}! <P/>
I called Harvard Collection and the man told me that was a debt owed to the Dept of Human Services since XX/XX/XXXX! I told him that debt is not mine, no one has contacted me about a debt! " Oh, we do n't contact you we just put it on your report '', he said. Again, this is not my debt how do I get this off my report,?! " Oh, you got to pay this! ", he said. <P/>I filed an online dispute with XXXX and they replied the account has been updated. I did n't notice a change, still collections XX/XX/XXXX and XX/XX/XXXX. <P/>How can Harvard Collections knowingly re-age a debt from XX/XX/XXXX to be owing XX/XX/XXXX, not to mention the debt is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Father does not have the XXXX to sign any loans. Was added as a cosigner to a loan with Quicken Loans. We ca n't get information from what 's going on. However, there is some sort of loan going on.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Payday loan) with EZCORP, INC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting a call on my work phone from XXXX, which when I try to answer it, due to their robo-calling, it will not pick up. It just keeps ringing. I have spoken with them ( EZ Loan ) and have asked them to quit calling my work number. Yet, every day, they continue to call from this auto-dialer. They have my cell phone number, and have NO reason to call my work repeatedly with a phone number that can not even be answered from our lines. 
It 's bad enough when they call my cell phone every morning between XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit report from XXXX XXXX and Trans Union and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a public record investigation request to LexisNexis X/X/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Applying for a mortgage

Complaint: XXXX/XXXX/XXXX I started the assumption process with JPMorgan Chase Bank due to the XXXX of my father. To date I have provided them with all of the documentation that has been requested. XXXX/XXXX/XXXX I received an approval letter from Chase for the loan. The conditions of the approval is that I provide updated bank statements and income which I did comply. On XXXX/XXXX/XXXX I received a letter from Chase stating that I had to move to the state that the home I was assuming and have gainful employment by XXXX/XXXX/XXXX. This had not been brought to my attention prior in the approval process. In XXXX XXXX they did request that I provide a letter for what my intentions were with the house that I am currently renting. I complied. An additional condition of the assumption was that I paid the house insurance one year in advance and provide them proof of payment. Which I did pay {$1100.00} and provided them with the receipt. I had talked to the loan assumption supervisor and asked them to make an exception regarding the employment condition since it would be impossible for me to obtain gainful employment within two weeks as they requested. He had indicated to me today XXXX/XXXX/XXXX that they will not make an exception.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several inquires that just hit my credit file and I did not apply for any of these XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP

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 09/13/2015 about Debt collection (Medical) with Credit Service International Corp (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: collection was supposed to be removed from all XXXX credit reporting agencys upon payment but is still on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I recently opened a saving account with USAA and has deposited {$2000.00} in it. But I ca n't withdraw money from the account because USAA said I did n't provide proper proof of address. I have sent multiple proof of address and other documents to USAA and called its customer service at least six times, and it promised to call me back ; but as of today, it has never called me back and I still can not withdraw any money from the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech financial was servicing my mortgage at the time I sold my home on XXXX XXXX, 2016. I was told that the escrow check would be mailed out on XXXX XXXX and I needed to give XXXX10 business days for delivery. The check was never received On XXXX XXXX I called back and requested a stop-payment on the original check and requested a new escrow check. That check was never received. On XXXX XXXX I called back and requested an update. I was told that there was an error in processing all escrow checks for the company and the escrow check was being mailed on XXXX XXXX. As of XXXX XXXX, I still have not received my escrow refund. I was told by Ditech customer service that the check was mailed on XXXX XXXX and I need to wait 30 days before they will issue a stop payment and send another check. Customer service informed me that XXXX escrow checks were delayed by the error in processing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After checking my Credit report i reached out to RentDebt and ask for an invoice to verify debt and balances owed I was provided the information over the phone I stated the charges were inaccurate the rep told me the invoice will be emailed to me in 24 hours. I did not received the email so I called back I then told in order to receive the documents by email I will have to verbally say on a recorded line I am not disputing the collection, which I refused to do! I feel this is unfair Practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a collection letter from Alliance One on XXXX/XXXX/2015 dated XXXX/XXXX/2015 attempting to collect an incorrect amount of {$6.00} with additional fees of {$6.00} for a debt from the XXXX program that is not due until XXXX/XXXX/2015 dated XXXX/XXXX/2015 in the amount of {$4.00}. This debt collection is attempting to collect when the bill is not even due. And XXXX letter threatens to issue a traffic citation if not paid. IT IS ILLEGAL TO USE AGENCIES TO COLLECT DEBTS AS PAST DUE WHEN THEY ARE NOT DUE! XXXX DAYS IS NOT ADEQUATE NOTICE FOR ANYONE TO PAY! 

I am absolutely ticked off enough to never travel to Florida again over a {$4.00} toll where the state is too cheap to have toll booths with people collecting {$1.00} to use the road.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Deposits and withdrawals

Complaint: I have been a member with USAA for over 10 years and have had their checking product for years along with renter 's insurance and a credit card. Recently, after years of being able to transfer funds with immediate credit, they have arbitrarily started imposing an absurd 5-day business day hold on transfers from accounts I 've made for years ( from payment for my job ) while immediately withdrawing the funds from the other account. They offer no justification for this and no answers. It 's obvious this is a scheme to maximize profit from my overdraft credit line in my case and in others to accumulate NSF fees. The customer service can not explain this new arbitrary policy at all and is very rude about it. No other bank does this and when they impose a hold, the policy is fully disclosed and explained. I do n't think a hold policy that is not fully transparent and consistent is in compliance with regulations and can be manipulated and abused at will to increase profits, which is what is being done here. Regardless, transfers should n't take 5 days to complete as the banking system has vastly improved in speed since the 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 10/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was taken over by XXXX XXXX XXXX in 2015. When they took over they notified me that our previous lender, Bank of America, had not applied our payments to our loan for at least 2 years. Because I am under Chapter XXXX bankruptcy I am protected AND BOA sent me a statement each month showing payments were received and I was paid in full each month. So I reached out to BOA and they sent me my 2 year payment history - I 've looked through it and ca n't figure out where my payments were sent. BOA denies any fault however, XXXX XXXX refinanced my loan to catch the loan up and make up for the 2 years of missing payments. My problem is I ca n't get BOA to accept fault and tell me where my payments went. I 'm even considering getting a lawyer involved but I do n't want to if I do n't need to.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XX/XX/XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX The above mentioned inquiries are fraudulent. Please remove

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 02/21/2018 about Debt collection (Other debt) with Credit Service of Central Washington, Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I am writing this complaint against XXXX XXXX XXXX in XXXX XXXX, WA. Specifically a lady named XXXX XXXX XXXX. I called her back in the beginning of XXXX for a debt from a landlord. She threatened to 'see me in court ' and hung up. I called back and asked to speak with someone else and they persisted to transfer me to XXXX XXXX. They have proceeded with court and so I responded with a letter and filed it with the courts. 3 weeks later got a letter from the attorney saying I had failed to respond and somehow got the judge to sign off on it. So I let XXXX know that I in fact had responded. In that conversation, I again tried to compromise on a monthly amount ( I had in the past and she was unwilling to budge at all ). We settled on XXXX a month but I informed her that I get paid on the XXXX and XXXX of every month, She then said nope we HAVE to have a payment in by the XXXX. I told her that waiting a weekend until the following Monday wouldn't hurt. Still unwilling to budge. Unless you do exactly what they want when they want it, it doesn't work for them. I have reached out to my community to see if they have had any issues with them a TONS of people stepped forward to say that they all have been treated very poorly, one even thrown in jail and a warrant out for their arrest. I dont understand how the courts keep letting this agency do the things they do and treat people the way they do. Everyone makes mistakes, everyone has debt, doesn't make you a bad person or worthy of that kind of treatment.

Company response to consumer: Untimely response
Consumer complaint received 02-12-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Filed a dispute with collection bureau. Collection account was deleted. A week later Common Wealth added the collection back to my credit report without any contact with me stating why.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX COMPLAINT : Complaint regarding dispute sent to Equifax regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Equifax reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Equifax was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Furthermore, a statement was never added on my credit report that the account was in dispute. Violation of FCRA 623 ( a ) ( c ) Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Equifax reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above as proof the account was never late Dispute letters sent certified return receipt Time stamped copies of Equifax Credit Report Equifax Response to Letter # 1.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: answersThere are a few issues with the debt American Medical Collections Agency is trying to collect that originated from XXXX XXXX One being my health insurance adjusted a few of them and XXXX XXXX actually owes me money. Another being my medical insurance says from the XXXX statements I do n't owe for certain tests because of the contract XXXX XXXX has with the medical insurance. The third issues is I just made it through a series of appeals and it looks like a won. These appeals take several months ... upwards 16 months to complete. When I originally contacted XXXX XXXX they just sent me collection letters sooner instead of working with me and waiting the appeal process like they are supposed to. I do n't owe XXXX XXXX the {$1200.00} stated in the bill from American Medical Collections. When I try and contact Medical Collections I get no answers. They send a bill about once a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Well Fargo Mortgage Company has failed to timely perform our escrow analysis for two or more years consistently thereby, causing our mortgage escrow funds to have a shortage, this year ( XX/XX/2017 ) alone, our escrow shortage amount is {$1600.00}, this escrow analysis was received on Friday, XX/XX/2017, our new increased mortgage payment is scheduled for XX/XX/2017. This incident occurred last year approximately the same time, thereby causing another escrow shortage.

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