milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports

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 08-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX I called the Equifax Credit company, so i can Dispute an account On My Credit file I gave the name Of the Creditor Which is XXXX, I went on online several times To check the status with no results. 
The Reason I was dispute this account Is because, This account It was included On My Bankruptcy XXXX And I had Been Dismissed since XX/XX/XXXX, to my understanding every account included in My Bankruptcy should be Deleted out my Credit File. 
As a today I have n't heard anything from Equifax at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: Our mortgage loan was purchased by Wells Fargo a while back. Things were great at first and then in XX/XX/XXXX we received a letter from them saying our property taxes were past due, this was around XXXX. Our taxes are not due till XXXX. Then before we knew it they added escrow to our loan without our knowledge raising our payment by {$600.00}. We are on a fixed income. We finally had to get a lawyer and get this escrow taken off, which it was. We have tried to get our mortgage refinanced XXXX times this year recently the XX/XX/XXXX. It has been XXXX months and still no mortgage because of Wells Fargo. They have put inaccurate info on our credit report making our credit score keep going down. They are saying our mortgage payments have been XXXX and XXXX days late but we have bank statements to prove there not. They recently updated our credit report with inaccurate info that made our score go down far below the score needed to get a mortgage loan. When we XXXX applied our chances were good but they have done this to our credit report to keep us from getting our mortgage refinanced. They are even harassing us by mail and phone calls at the beginning of the month with collection calls saying our payment is late and delinquent when it is not. Why are they doing this to us? All we want is to get our mortgage refinanced with a respectable company and lower our interest rate so we can have our taxes included in it with a lower monthly payment. They did the same thing in XXXX when we wanted to refinance. Also in XX/XX/XXXX we received another letter from Wells Fargo saying our property taxes were delinquent ( according to our tax agent our taxes are not XX/XX/XXXX, and not delinquent till XX/XX/XXXX ) again for this year and they gave us till the XX/XX/XXXX to pay them or they were going to add escrow to our loan again??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The details of my complaint are as follows : XXXX XXXX, I am checking on your reaction response dated XX/XX/2017. 

Pursuant to the Fair Credit Reporting Act, you are notified as follows : XXXX XXXX specialists have victimized people with handicaps. 

Past undertakings to rent rental unit have failed or purpose behind Civil Court History have changed.

Common Court History query items ought not be utilized to dismiss applicants.

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 11/14/2015 about Consumer Loan (Installment loan) with Bliksum, LLC (ME).
Issue: Shopping for a loan or lease

Complaint: Loanme.com solicited me for a business loan.I sent them bank statements and personal info as well as business info.I asked to borrow XXXX.They came back with an interst rate of 132 %. Not sure that is even legal.I specified that I was looking for a legit offer and not something predatory.I did not want to submit info if it was a waste of time.If I accepted the terms I would have to pay back XXXX.Really? What kind of outfit is doing business here?

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was  Trans Union  's problem not mine caused my inquiries to be deleted from my credit report twice.  Trans Union later added them back on my credit report without giving me the legally required written notice five days  prior to re-adding them. I have contacted  Trans Union  in good faith to remove the inquiries that they had illegally re-added. I have called a total  of three t imes and spoke with different agents who refused to remove the inquiries. I recently spoke with a supervisor name via on  XX/XX/XXXX who stated they will not remove the inquiries. The inquiries have added a hardship and my rights were violated by  Trans Union .

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 08-05-2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Customer service / Customer relations

Complaint: WE made a payment on our cc on XXXX. the conformation # XXXX. In the online payment instructions it states that payments are posted to the account within 48 hours. I called them and was on hold for about 30 min. i was told the funds would post to my account on XXXX! The funds were taken out of our bank account on XXXX. We believe that customer service is not a priority with this bank. They exhibit traits that lead us to believe that their financial profits are their only concern. ie ... long phone hold times and when payments are made the www instructions on the payment page are what consumers look at, NOT the fine print on the agreement. Due to their sharp business practices we will pay off the card and cancel it. 
Respectfully 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
Consumer complaint received 08/20/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to XXXX. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Equifax, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Equifax three times and submitted proof of settlement and payment, but Equifax refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Equifax three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Equifax must change the credit report status from " charge off '' to " paid '' or " settlement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have had numerous calls to my work by this debt collector. They have left messages with my mother that they will be coming to my work, and in their words " would not like what happens ''. I feel threatened on a daily basis that someone will show up at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus purchased a portfolio of default, non-performing loans from XXXX. XXXX of those loans is on a property at XXXX, TX XXXX that is owned by XXXX XXXX and XXXX XXXX. Their appears to have been under false information as it was a " XXXX home '' loan with a requirement for only the owner to occupy. They have never lived in the home. The home has been abandoned and vacant for well over a year. Since XXXX originated a bunch of these bad loans, they sold the default loan for mere pennies on the dollar. Seterus has not taken any responsibilities for this property. It has been broken into and had illegal squatters creating crime for the neighborhood. Seterus is happy to just sit on these loans. However, these unmaintained, vacant and abandoned homes are tearing up and really great neighborhood. It is attracting crime. We just want Seterus to maintain and secure the home if they have any thoughts of foreclosing. If not, then release the lien so it can be sold. The current owner has default and can not make arrangement for resolving the default. So, we the neighbors are STUCK with a vacant, abandoned home that attracts crime. Why should we pay just because Seterus has rights for the loan but refuses to take any responsibility until it so deems it is their best interest. What about the neighborhood?

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 2 Certified lettershave been sent to TRANSUNION # XXXX and XXXX # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XXXX XXXX, 2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CRA Collections, Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account open with XXXX XXXX that was the victim of ATM fraud because something like that takes a long time to investigate and although it was decided in my favor the account was in the interim closed as a negative by mistake with XXXX XXXX  and reported to XXXX. When I notified XXXX about the fraud they referred me back to see our a management as a wider of that data and not XXXX XXXX  and that I believe is the loophole that they lean on to continue to report in accurate information and not to be in violation with the CFPB or the FCR it act. It is a direct violation of our rights as consumers and should be corrected and the firms fined and sanctioned. What good is the FCRA law of You can simply pass it on to a company with a PO Box and claim they are getting the information from them. That in itself is a violation since they are not getting the information back from the actual source.

Company response to consumer: Untimely response
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: American Express Date open : XX/XX/XXXXAcct # XXXX**** Started the dispute process with XXXX on XX/XX/XXXX - than again on XX/XX/XXXX then again on XX/XX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now 10 years old acct open : XX/XX/XXXX account was apparently from what the rep in XXXX told me XX/XX/XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in India that no really the account was charged off in XX/XX/XXXX of XX/XX/XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XX/XX/XXXX of this year we are literally already in XX/XX/XXXXalmost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together.
XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XX/XX/XXXX, my husband made a check deposited to my business account at the Wells Fargo branch located XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The check were payable to my business account XXXX XXXX XXXX, while the teller were busy talking to her co-worker, she deposited to the wrong account under the name XXXX XXXX XXXX. By the time my husband get home, he realized it was the wrong account that she deposited, he called and spoke to the branch manager, XXXX, she said she will take care of it. We also told her that we wrote a check to our employee, please make sure this check will not bounce. On XX/XX/XXXX, we were charged for non-sufficient fund and the check wrote to my employee were bounce. This mistake is unacceptable and it does affect my business and my company reputation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following negative accounts on my XXXX credit report should NOT be listed as they were opened when I was overseas using my information : XXXX XXXX XXXX ( Charged off account ) XXXX XXXX XXXX XXXX I keep asking Experian to remove it and they wo n't even after telling me my proof was adequate.

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 04/21/2015 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: Consumer ID # XXXX Social Security # XXXX Email address : XXXXXXXXXXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I opened an account at Bank XXXX in XXXX and was closed in XXXX. At the time it was a joint account and with myself and my husband XXXX XXXX. 
The account was closed due too much over draft use, however its showing in CFPB that suspected fraud activity was reported. I have contacted PNC regarding the reports made to CFPB back in XXXX and never received and explanation or resolution. I am aware that I may owe a negative balance, but I do dispute any suspected fraud activity on my account with PNC Bank. I would like this removed from my CFPB report promptly

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Payoff process

Complaint: I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Upon discovery that Pinnacle Credit Services had placed a negative item in my credit files with XXXX, XXXX and XXXX ( Open Date of XXXX for an address at which I did not reside on at said Open Date and Balance Owed {$760.00} ) I made written request for debt validation via USPS Certified Mail Return Receipt. This was delivered to Pinnacle at XXXX XXXX XXXX, 2016. Pinnacle did not respond with debt validation yet continued to report this unvalidated debt to XXXX, XXXX and XXXX on XXXX. 

The Federal Trade Commission ( FTC ) clearly states in an opinion letter that a debt collection agency can not report an unvalidated debt to the credit bureaus and that such reporting constituted a continued attempt to collect a debt. ( FDCPA Staff Opinion : XXXX ). Pinnacle is thus non-compliant with Section 809 of the FDCPA. 

Since I discovered the alleged debt was claimed open at an address where I did not reside, I also have sent an Identify Theft Police Report, Proof of Address on Open Date and signed affidavit to original creditor 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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, XXXX & Experian. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!

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