milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

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 07-01-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX we bought a home through 5/3 bank. The next year my escrow was XXXX negative with no explanation why. My payment went from XXXX to XXXX. They would not except my payment at the time because it was not enough.I had to refinance through them because they had brought my credit score so far down. At the full amount not taking out any and all payments we have made through the years this was in XX/XX/XXXX. Every year since my escrow is negative my insurance has not changed and my taxes were down till this year and then went up XXXX. My escrow this year was XXXX negative. Please help I can not get rid of this terrible bank. They will not let me pay my escrow my self. I do not now what else to do.Also at random time my credit monitoring company show me they add XXXX more that I owe with no explanation I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 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: To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has been contacting me for a debt I do not owe, this account is not mine, I have disputed the account multiple times. They are reporting XXXX different amounts, they are stating i owe, {$220.00}, {$300.00}, {$310.00} and {$360.00}. I have never opened an account with this company and would like this account removed from my credit reports this is a violation of Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a collection notice from Credit Collection Services on X/X/2017. The notice identified XXXX XXXX XXXX XXXX as the creditor and the amount was {$24.00}. I have never had XXXX XXXX so I contacted them first. They confirmed that I have never had any type of XXXX XXXX  and that there was no debt. That call was on X/X/2017. When I called the Credit Collection Services on X/X/2017 they said the amount was paid in full and no further action was required. I never made a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XXXX XXXX, 2017 I tried to log in to my online banking and was denied access. I called customer service they referred me to an XXXX number I ca n't find it but the man who answered would not give me his name. told me there had been a breach on my accounts and I was no longer a Bank of America customer and find another bank to do business with. I said I have been banking with your bank for over 25 years, his answer was we appreciate your business but now you need to take your business to another bank. I said I need to access my accounts. He said that was n't possible.I was n't allowed to get answers ; I was n't allowed to get proof of his statements. I have n't received my retirement check because the bank cancelled my accounts without notice or evidence of the reason. I should have been allowed bank statements to prove my involvement in the axtion toward me. Now I have no money, no bank and no Social Security deposit to my account. The inconvenience to my life has been overwhelming and I deserve answers and cooperation

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

Complaint: Equifax failed to protect consumer information in the event of a massive-scale data breach. It has been indicated by their website, equifaxsecurity2017.com, that my information was included. Equifax 's failure has put millions of consumers at risk. 

Furthermore, Equifax has offered a free trial of their credit monitoring service which REQUIRES CONSUMERS TO WAIVE LEGAL RIGHTS against the company in relation to the breach. This is an utterly sickening and anti-consumer thing to do. Equifax needs to take responsibility for their malpractice, not try and XXXX customers out of their rights to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize nor did I authorize the following inquiries to be made : Usaa Fsb Cc XX/XX/XXXX Usaa Fsb Cc XX/XX/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 04/17/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XX/XX/XXXX I have been asking LVNV Funding to provide proof that this is my debt as I have no knowledge of this alleged debt. I have attached letters dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To date they have refused to respond or provided any proof that this is my debt. My understanding is that if they fail to provide adequate proof, they must remove the reporting on my credit report ( see attachment. ) Additionally, this item goes back to XX/XX/XXXX which means that Statute of Limitation in Florida ( 4 years for a credit card debt ) which means that the debt is also uncollectible and should be removed as it is violation of FCRA to attempt to collect a debt which is known to be uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Webcollex, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Morning, My name is   XXXX   XXXX  . I have been trying to fix my credit now for the pass few months. I have been getting repeated phone calls from this company I have asked them to verify this Debt if not deleted this from my Credit Report instead all I got back was a letter indicating my name and debt amount is correct. Which is not : ( Bellow is the BBB Complaint I had file :   XX/XX/2017   Receive Business Response Thank you for the notification of the compliant filed by  XXXX  (  XXXX  )  XXXX . CKS Financial appreciates the opportunity to respond to her concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all telephone and written communication associated with the account. A summary of that investigation follows : On   XXXX    XXXX , 2017, we received a call from   XXXX   XXXX   after she was informed by the original creditor, that her account had been sold to us. During that conversation, she requested a reduced payment arrangement, as well as a deletion of the account from her credit report. The agent confirmed CKS Financial 's purchase of the account and offered a reduced payment arrangement. The agent also informed   XXXX   XXXX   that if the account was being reported by CKS Financial to a credit reporting agency that it would be reported accurately to reflect the account status.
 XXXX 
While CKS has attempted to resolve the account with   XXXX   XXXX   and offered several reduced payment arrangements,   XXXX   XXXX   XXXX   insistence that we delete the account from her credit report has prevented us from reaching a resolution of the account.
 XXXX 
In response to   XXXX   XXXX   XXXX    allegation of receiving daily telephone calls from our office. A review of the telephone activity does not support that allegation.
 XXXX 
In response to   XXXX   XXXX   XXXX   request for account validation, our records do not reflect receipt of said correspondence. We have however validated the account and have provided it to her along with this response at the address provided by her in this complaint.
    
We invite   XXXX   XXXX   to contact a member of our Compliance team if she has any questions or would like to provide additional information. A member of our Compliance team is available Monday through Friday from  XXXX  to   XXXX   Eastern Standard time and can be reached directly at  XXXX  or  XXXX 
         XX/XX/2017  Notify Business of Dispute  XX/XX/2017  Send Acknowledgement to Consumer  XX/XX/2017  Case Reviewed by BBB  XX/XX/2017   Case Received by BBB

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with XXXX and XXXX on debt that is currently included in my Chapter XXXX XXXX case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Sir/Madam, How are you ...? I have a serious problem with Equifax credit reporting agency as I have been fighting these people for over 6 months and I ca n't get anywhere so that is why I am escalating this matter to you. There are multiple items appearing on my credit report and I have been a victim of identity theft, however Equifax, XXXX and XXXX still refuses to remove this information and it has hurt my credit very badly. I do appreciate all your professional time and assistance and look forward to hearing back from you. Regards and thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Home Loan was refinanced on XXXX/XXXX/15 with XXXX XXXX, XXXX. 
Loan processing was transferred to Wells Fargo with an effective date of XXXX/XXXX/15 Received a letter from WF dated XXXX/XXXX/15 that our hazard insurance policy had expired on XXXX/XXXX/15 and it was their intention to buy their own policy for the property. 
The hazard insurance had been paid from our previous escrow account with WF on XXXX/XXXX/15 and was/is valid until XXXX XXXX. WF then proceeded to pay our insurance provider the same amount from our new escrow account creating a negative balance and then to adjust our monthly escrow payment On a loan they do n't start to service until XXXX/XXXX/15 ) to make up the deficiency. Attempts to have WF correct this problem have resulted in a response that it is the insurance company 's problem and if/when they receive a refund from XXXX they will update my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (ME).
Issue: Managing the loan or lease

Complaint: I have put in a dispute 14 times with EQUIFAX ONLY. THEY WILL NOT FIX THE THIS ACCOUNT WHICH HAS BEEN CLOSED AND PAID IN FULL XX/XX/XXXX. 
I HAVE CALLED AND TOLD THAT ACCOUNT IS CLOSED, BUT IT IS N'T I GET EMAILS SAYING ALL FIXED BUT IS N'T. 
XXXX XXXX XXXX XXXX XXXX XXXX CLOSED {$0.00} BALANCE. STILL SHOWS OPEN AND {$9900.00} BALANCE. 
PLEASE FIX THIS ON THE EQUIFAX REPORT ONLY. TRANSUNION AND XXXX HAVE DONE THEIR WORK, BUT I KEEP GETTING CONF. # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Bank account or service (Savings account) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Making/receiving payments, sending money

Complaint: ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Transaction issue

Complaint: I have had this credit card from XXXX XXXX XXXX for more than 10 years and had gone over the limit but the credit card company was approving the transactions. I have not been using the card for over 3 months but been paying my monthly payments that are due. 
Last month they have been bought over by Elan Financial Services under Fidelity and now demanding that I pay the over limit amount of {$1000.00}. I have been paying my payments monthly and have never been late. I have requested them to increase the limit but they refused to do that and demanding me to pay {$1000.00} by XXXX XXXX, 2016. I asked them why did they let the transactions go through if I was over my limit and their response is it was a benefit offered from XXXX and now bought they have been bought over by another payment processor Elan and that is why the rules changed. This is fraud just because a company is bought over by another company you do n't harass clients. 
The president should do something to protect the public. There are several complaints about Elan Financial Services on XXXX. I would appreciate if could handle this otherwise they will put late fees and add other additional fees for the {$1000.00}. I am willing to pay my monthly payment but not {$1000.00} of the overlimit amount. Unable to upload old Statements since they have been bought over its a new website login and old statements are not available there where I can prove that I do n't use their card but just paying it off. 
I have also lodged a complaint with the Office of the Comptroller of the Currency US Dept of Treasury, The Presidents Office Board of Directors of Elan Financial Services, Federal Reserve Consumer Help.

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 08-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (LA).
Issue: Deposits and withdrawals

Complaint: I have contacted chase Bank in regards to a Loan the have reported on my credit report. I had a previous case and they sent a letter with some information but it does n't give information as too what happen to the account balance. They said it was a CD, I did not have a CD It was a secured loan from my savings acct. There should not be a balance left. The person I spoke with XXXX, asked me for information on the loan and any paperwork I may have. They need to remove this from my credit report. I believe a cover up is trying to take place. Please assist in getting to the bottom of this issue. The previous case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   will not allow me to buy my home back

Company public response: Company believes the complaint is the result of a misunderstanding
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : 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 06/26/2017 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 received your letter in response to the Equifax dispute I initiated. Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer  reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers. Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it. Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been a homeowner since XX/XX/XXXX in XX/XX/XXXX I fell behind on my mortgage. My servicer now seems to be Nationstar. I have been harrassed by this servicer and to my dismay my XXXX year old father that is XXXX whom resides in New York was recently called XXXX. The servicer harrassed my father by saying " he should be ashamed of himself for not helping his daughter with money for her home ''. This is the last straw this was clearly a predatory loan, which I am still Quite under water and I can not get Nationstar to simply work with me. I have talked to a rep named XXXX she has yet to be helpful in any way. I need this addressed this servicer can not get away with treating people like This. I have been paying my mortgage for the last 11 years and this Not what I expect in return when I am now in trouble and deserve help not to be shamed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (I do not know) with Quad Corporation, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I went in to work which is XXXX. A co-worker gave me a message that a friend that I knew named XXXX XXXX called from the number XXXX and to give him a call back. 

I do not know who XXXX XXXX is, but called the number anyway and was told that this was Quad Corp a debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief