milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: Quicken Loans advised me to remove a disputed account out of dispute and into active collections as it was my only option. Within in that time frame 2 days prior to closing Quicken pulled another Hard Inquiry on my credit report without my authorization and it caused my score to drop XXXX points below their acceptable score. This caused our down payment to increase by 1.5 % roughly {$3000.00}. They refuse to honor our original terms and down payment, they also refuse to provide my credit report as I am showing a different score than what they are reporting. We may possibly lose our home or it will cause our locked rate to be extended causing our interest rate to go up costing us a lot more money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: XXXX years old, XXXX. resident charged {$10.00} fee by Equifax to temporarily lift security freeze. 
Phone conversation on XX/XX/2017 with Equifax Security Freeze Department ( to which I was directed to contact by Equifax Customer Service ) was UNABLE ( or Unwilling ) to resolve the {$10.00} charge to my credit card for my request on XX/XX/2017 to temporarily lift a freeze on my account. Security Freeze Department could not even find my case number - which I had received from Equifax Customer Service. Directed by Equifax Security Freeze Department to either send fax or snail mail request ( including copy of my bank credit card statement showing the {$10.00} charge ) and then wait another 10 to 14 days for response ( OR Approximately ONE Month from being charged the {$10.00} fee ) and MAYBE get my {$10.00} -- which should never had been charged -- back. This was even after providing ALL the personal information requested in emails AND during phone conversation and noting the other XXXX credit bureaus did NOT charge me a fee. 
Snail mail being sent includes information below I had provided to Equifax on XX/XX/XXXX : " I just temporarily lifted the credit freeze and was charged the {$10.00} fee ( even though I 'm over XXXX and from the state of XXXX. ) Pennsylvania ( security freeze rights established by Pa. Act No. 163, Section 9 Fees b2 ) Fees : No fees for identity theft victims or seniors aged XXXX and older. All others pay {$10.00} to place the freeze or to lift it temporarily. No fee to remove the freeze. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , Pa. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit card account does not belong to me from Wells Fargo, I want to remove this account from my credit report. It is showing up on my XXXX and XXXX 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 06/24/2015 about Consumer Loan (Vehicle loan) with TOTAL FINANCE AC LLC (IL).
Issue: Managing the loan or lease

Complaint: I have a current loan open with Total Finance out of XXXX. I am having some issues as far as harassing and extremely demeaning treatment from multiple representatives there. And every time I have tried to speak with someone in management I have been hung up on. My XXXX is not very good, and I am thinking that maybe that is why I am being spoken to that way. Today XX/XX/2015 I called to place my son on as POA, so that he could better understand them so we could clear up any further issue they may have, which I will explain their current issue in a moment. Instead of being helpful, my son was yelled at and ridiculed as if he was not smart enough to handle the matter. I am now beginning to have anxiety about the treatment and with no manager to ever get on the phone, I do n't know who to turn to. 

As for the issue they are having, of course I keep a current loan with them, and I do fall behind from time to time. I have been paying for over XXXX months, and yes I have been late several times, but my intention is to pay always on time. My issue is that they are calling my sister and mother with the same type of harassing demeaning approach. Please I need help on what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 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: The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the US XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom it may concern : My name is XXXX XXXX, and I am a recently former consumer of Portfolio Recovery Associates. I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX.. 

Upon speaking with several supervisors I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably it is still reporting as an open collection with a balance due of XXXX I have received my Paid in Full letter as of XXXX/XXXX/XXXX. However, due to the conflicting information from Portfolio Recovery supervisors and staff, and given the treatment from the staff at your company in regards to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with FMA Alliance, Ltd. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a bill from the hospital and it was due on XX/XX/XXXX. Before I had the chance to pay it, the hospital sent it to a collection agency, FMA Alliance , Ltd., on the day it was due XX/XX/XXXX. I called the hospital on XX/XX/XXXX and paid off the bill and was assured that it would be recalled from collections since it should never have been sent in the first place, I was told it must have been a " glitch '' in the hospital 's computer system. On XX/XX/XXXX IXX/XX/XXXX received a letter from the collection agency stating I still owed the payment of XXXX. I explained that it was paid in full to the hospital but that did not matter. I was told that I still had to pay the collection agency, FMA, as they were not notified it was paid. On XX/XX/XXXX I contact the hospital and explain, they say they will contact  the collection agency, FMA. Called FMA back to make sure it was taken care of, was told it would not be cleared until they received payment I gave to hospital. Tried to work with hospital, they treated me like I never paid and was lying. Collection agency just threatens to put on my credit while demanding payment. Said they will continue to contact me until they receive payment from me or hospital. Hospital said they do not take the payment from me to send to collection agency. So not only did hospital send it to FMA in error, now that it is paid in full, FMA still wants the same payment. Hospital 's solution, just ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was paid by my insurance company so I do n't understand why they still need me to pay it

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 03/17/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified.
The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP.
FCRA Section 605 : ( c ) Running of reporting period.
( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Late Payments - Seven years from the month in which the late payment was due. If there are multiple late 
payments in one account item, then they will each expire individually.
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on thisaccount occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.

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 12/31/2016 about Bank account or service (Checking account) with First Data Corporation (CA).
Issue: Using a debit or ATM card

Complaint: Almost {$600.00} of my financial aid was taken from someone in a foreign country and the bank keeps telling me they will send me a dispute form to fill out but I never received it. They then told me to fax them but claim that they never received it. It 's been over two weeks and I have n't gotten an update or anything.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following items are reporting inaccurately to my credit report on trans union and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX CAPITAL XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX 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
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have multiple inquiries on my credit on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX   XXXX  i contacted credit bureau to remove unauthorized inquires ... stated i need to call original creditor ... contacted orginal creditors who all stated they have no account or information pertaining to me ... called bureau back to inform what creditor states and they still havent removed these unauthorized inquiries as i requested certified mail and via phone several times ... i am very frustated with this situation these are unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Payday loan () with BlueChip Financial (KY).
Issue: Can't stop charges to bank account

Complaint: I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney. 

Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation. 

Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I spoke to Transunion today about inaccurate address on my credit report. Credit report XXXX. I told them the address that does not belong to me and that I have never ever lived at that address. The agent told me that he could not delete it and I insisted to him the address is wrong. I am concerned about identity theft and I want this address removed before I take the next step to filing a lawsuit. It is the credit bureau job to report accurate information and at this time they are not. I am angry and appalled about this. The only address that is correct is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The other address XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is WRONG. I hope to have this remedied as soon as possible.

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 07/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted Equifax on multiple occasions asking them to remove duplicate information that 's reported on my credit report. They are reporting negative information from XXXX XXXX and XXXX XXXX, XXXX. The information they are reporting is the same account. Thus, my credit score is lower since XXXX of the same items are being reported on my credit report. I tried to resolve it with Equifax and they continue to report duplicate information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am the executor of my brother 's estate, XXXX XXXX XXXX, XXXX. He lived in XXXX, Maryland and the property address involved is XXXX XXXX XXXX, XXXX, Maryland. We entered into a Deed in Lieu of foreclosure with PNC Bank, upon their request, on XX/XX/XXXX. The attorney handling the DIL has been calling weekly and there has been no progress on the file. PNC has been delaying the process and the property is set in for foreclosure on XX/XX/XXXX. XXXX XXXX XXXX XXXX was paid {$6000.00} for release of lien in XX/XX/XXXX, and this lender has not recorded certificate of satisfaction yet.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Had a XXXX XXXX account that paid XX/XX/XXXX out of closing that was settled thru XXXX and was payed directly to XXXX XXXX and pinnacle credit ended with my payment and sold the account after it was paid off to first national collection on XX/XX/XXXX. I have all the paperwork to send to confirm my complaint. XXXX refuses to talk to me after many calls to them. Please help me settle this problem. ThankYou XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i think there are things on my credit report that belong to my father.

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 02/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has confirmed that there were several instances where my parents called in on my behalf, using my information. This is a violation of my privacy rights, and I want all dates and times that this was done. They have been withholding this information, and it is my right to know. This was a previous complaint submitted earlier in XX/XX/XXXX. I received a response, but it was missing a lot of detail. This includes time stamps, and what each phone call was about. I am also requesting specific information on XX/XX/2016. It was confirmed from a Navient agent that my father called in, asking how to make a XXXX payment on loan 1. I need all information regarding this. 

This company tends to distort facts, and very childish.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: The pentagon Credit card seems committed fraud against credit card holder, usually it takes three business days for pending transaction to post and when it post will be added to my balance but now since XXXX2017 Pentagon Creditcard about {$600.00}, transactions that posted it doublicated and stayed pending and the charges added again to my balance, I called pentagon creditcard I told the rep if you check my current and recent charges ( they are categorized differently and shouldnt doublicate and if the charge post it should automatically changes from pending status and only once can be added to balance and if these transactions happens to be at month end shouldnt THE INTEREST SHOULDNT BE CHARGED TWICE and closed because Im being charged interest twice and it is fraud, eventually the pending charge will dropped but the interest charges already calculated twice at closing monthly statement, THIS IS FRAUD, Im attaching two exhibits Recent and Current transaction during monthly closing statement with twice interest charges.
Please review the exhibits the extra interest calculated in closed monthly statement.

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