milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit from the Department of Justice. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and both times, they sent a letter back stating the account is correct and will remain on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to verify fraudulent accounts that I did not apply for. This is very frustrating as I have provided them with a copy of my identity theft report. My credit has suffered severely due to someone stealing my identity. XXXX of the fraudulent accounts are listed on my credit report and they do n't state the companies name, so I have been unable to dispute with the creditors directly. The fraudulent accounts are XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. What are my rights around this? Am I able to sue Equifax for allowing fraudulent accounts to be reported on my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to PennyMac for servicing in XXXX 2015. Following the sale, my homeowners and flood insurance payments were due on XXXX XXXX. The insurance payments were not paid timely. I received a phone call from the insurance company notifying me on the due date that if I did n't make payment by midnight for my homeowners policy, it would expire. I had to pay it on my credit card in order to be assured that I would be covered. A week later I called to see if the homeowners had been paid so that I could be refunded for the payment I had to make to keep my coverage. At that time, Pennymac casually informed me that my flood insurance payment had not been made either because they did n't get an invoice. If I had n't called, I would have not known that I was not covered. I again had to come out of pocket to pay the flood insurance in order to ensure coverage. Pennymac says they have made payment to my insurance company for the homeowners premium ; however, the insurance company has not received the payment and I have not been reimbursed. The flood insurance has yet to be paid and I can not get an answer from anyone at Pennymac on the status. I have had to spend an incredible amount of time trying to get this resolved to no avail. I have been put on hold, transferred, treated with disrespect and can get no answers on this matter from Pennymac. I feel as though they have been withholding my money but not remitting it for the purpose intended. This does not seem legal. They have a fiduciary duty to use the funds withheld for the purposes intended. I have had to overextend my budget in order to insure coverage. I have no confidence that my taxes will be paid timely or assurance that I wo n't be faced with this issue again next year. I would appreciate any help in getting this matter resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The XXXX adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.

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 09/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 my employer sent my salary by way of direct deposit to a Chase checking account where I was no longer the account holder. I contacted Chase Bank on XX/XX/2016 when I realized that my check was not rerouted to my new bank. I spoke to a Chase employee in collections and overdraft protection, who informed me after talking to her senior specialist that my check would be rejected and returned to my payroll department, and it would take 4 days. 


In 4 days I began to call Chase Bank again and I continuously called the bank for information because the check was not returned. On XX/XX/2016, I was lastly informed that due to the fact that the account was in the negative it does not matter if I am no longer on the account, they are not going to return it and that the request need to come from my Human Resource Department to request the return of the deposit if it was deposited into the incorrect account. 

I contacted my payroll department who informed me that they were not familiar with that process and if a direct deposit by error is deposited into an account which I am no longer the account holder the Bank should return the check. Being the XXXX, I sent a request on City letterhead via certified mail to the Executive Offices of Chase Bank at XXXX XXXX XXXX XXXX Tx, XXXX requesting the refund of the check on XX/XX/2016. I requested a return explaining the check was deposited into an incorrect account and I have not received a response to my letter or a refund of my misapplied funds. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To : Consumer Financial Protection Bureau XX/XX/XXXX CC ; Correspondence Team ( Fax # XXXX ) Sub : Dispute of Loan # XXXX of Seterus Borrower : XXXX at XXXX, XXXX CA XXXX 5th Resending!!! 
To whom it may concern, I discussed XXXX, SME of Seterus customer service today XX/XX/XXXX to dispute {$90.00} inspection charge that is not my responsibility but the issue from the transit period to Seterus from XXXX in XX/XX/XXXX. I always paid the mortgage on time 100 %. I never got the transfer letter attached in timely manner and they just charged the inspection fees without any inspection notification letter to me. I am so frustrated that Seterus {$90.00} charge on the statement over 3 years that I have disputed. 
Per the conversation with Seterus Customer Service team in XX/XX/XXXX, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fault from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee as XXXX and I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXX or call me at XXXX. 
Regards, XXXX. 
Attachment : transfer letter of XX/XX/XXXX was receive in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and there is nothing I can do about 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 09-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have not had an account with XXXX since XX/XX/XXXX. This account was in collections in XX/XX/XXXX. Suddenly, it is being reported as opened in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We voluntarily gave back a car we were financing back in   XXXX  . Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and  zero  balance.  (  letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since   XX/XX/XXXX   we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. Fo r 2 1/2  years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2  years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a zero balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i disputed information on my credit report i sent a letter to experian requesting that the debt on my report from XXXX acct # XXXX be valadated, XXXX acct # XXXX, XXXX acct # XXXX, and XXXX acct # XXXX, according toFCRA the credit breau must provide phyisical proof that these accounts are mine and they have not but refuse to delete these items from my file, I also disputed inquiries on my report that were not mine and they could not verify and thet refuse to do there job under FCRA and delete

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 EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Fraudulent Account XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX. XX/XX/XXXX Fraudulent Inquiry Above is a list of fraudulent accounts and inquiries being listed on my credit report by your company. I did not give authorization to the above creditors to open and account nor pull my credit file ... Please remove the above items from my Equifax credit report ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: freedom furniture and electronics froze my bank account and took XXXX dollars i had in it and made me start paying for a debt i had no idea that i had. they took me to court and i was never properly notified and in a state where i did not live which is virginia

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In a permanent XXXX lien HAMP modification thru Making home Affordable program. Servicer ( PHH Mortgage ) is refused to offer a 2MP modification on the XXXX lien, even after I requested it be done, per Making Home Affordable Directives. Now XXXX lien note ( HELOC ) is in repayment period with a substantial increase at 2.7 times my previous monthly payments. PHH Mortgage services XXXX and XXXX liens and will not answer critical questions submitted in the Qualified Written Request. I have submitted a completed submission package as directed by the Relationship Manager, whereas ; I specifically indicated on all correspondence to PHH, the intent of all submissions are for 2MP implementation. PHH tells me XXXX XXXX owns my XXXX note, but I have proof that it does not own my XXXX note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with I.C. System, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX company insists I 'm the owner of the property where somebody did n't pay gas bill. I am not the owner of the property and I have never been .I tried to resolve the issue with the company 's representative but the lady was very rude. This is the worst utility company.

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 08/25/2017 about Debt collection (Federal student loan debt) with ConServe (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Conserve Credit Debt Collection Agency for the Creditor XXXX XXXX XXXX XXXX, in the amount of {$6400.00} Account Number : XXXX had already been, " Investigated, Removed and Deleted, '' from all of my Credit Reports for being a, " Fraudulent Account '' yet they somehow managed to place them back onto my XXXX and XXXX Credit Reports. " I do not know if they have placed themselves back onto my XXXX  Credit Report but as I mentioned they were already deeded, " Fraudulent and I have sent the Original Creditor all the necessary legal documents when I first had them disputed and they were fully investigated and again removed and deleted from all three credit bureaus. 
I have spoken to both the XXXX Credit Bureau and Conserve, Conserve is the fourth Debt Collection Agency hired to try and harrass me and attempt to ruin my credit. In fact Converse told me when I called them that, The Creditor : XXXX did not sent them any documents at all so they have nothing to reference the fact that had already been removed for being, " Fraudulent Account! '' " I did however make them aware of this! '' And as far as XXXX and XXXX, I have filed complaints against them separately. 
I do not know how to stop this abuse as I can not afford to have my credit ruined by creditors who were already once removed from all three credit bureaus. However, it seems very illegal that this is happening as my Credit Bureaus have my records on file as I submitted two police reports, Legal Affidavit and all other documents needed. I really need this to stop! 
( Over the past two years I have sent the main creditor which is the XXXX and their other Collection Agencies they have hired, plus all three credit bureaus all of my legal records like up to three times now. When I sent the legal documents I always sent them, " Ceritfied Mail but I can not afford to keep on doing this as I my income changed drastically when I became XXXX and was put on Social Security Benefits! So I am on a very tight budget. I do however have all of my original legal documents that I am going to be mailing to CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: I submitted a complaint in regards to NETSPEND prepaid card or XXXX which ever it goes by and I receive a message that stated for me to tell you what the issue is. I thought I was clear as to what the issue is. However, I will spell it out so it is not misunderstood. I have bee requesting a copy of my monthly statements for over 3 months. I was asked to fax information verifying my identity as I am a victim of fraud and identity theft. I provided this information to XXXX XXXX, the same person referenced in the first complaint. There was money missing from the cards that I expect them to pay me back and I want to see all of the transactions. XXXX state I had XXXX cards in my name. I NEVER had XXXX cards. The issue is I want all of my statements as it is within the 7 year statue and I want my money refunded to me. These are government funds as I am XXXX. I hope you can understand now what the issue is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: When I went to make a check card purchase on XX/XX/XXXX at XXXX XXXX my debit card was declined even thought I had adequate money in my checking account with Suntrust.   After calling Suntrust I was made aware that my card was blocked and canceled in which I was issued a new card due to a dispute I made with Suntrust on a particular charge.  I wish they would have made a better effort to let me know this but nonetheless no issue I waited on my new card.  I started calling all of my auto draft accounts that were linked to the old card that was blocked and canceled to change payment method...  I only came to find out that on XX/XX/XXXX and XX/XX/XXXX they processed all of these transactions even though the only access to my checking account was thru my bank debit card which was blocked and canceled.  Now some of my auto drafts did not get processed but the ones that did cause a massive overdraft situation with a total of $XXXX in overdraft with 15 overdraft charges.  I called my branch on XXXX XXXX XXXX in XXXX and she said even though my card was blocked they still had access to my checking account...  This makes absolutely no sense since these merchants did not have my routing number or account number and only had my debit card numbers which if I would try to use would be declined.  I am looking for relief from the ridiculous $XXXX of overdraft charges to be credited back to my account.

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 03-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with  Lippman Recupero, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: No notice to dispute and no information of debt. Lippman and Reed of XXXX sent me a collection bill for {$8000.00} claiming I had an accident years ago and the insurance company suspended my license which I had no idea it was suspended until I was pulled over for having a light out. They took my license and charged me with driving on a suspended license???? The collection letter I received was the first I have heard of having an accident .... I did n't have. I was sent a copy of an affidavit of delivery which was sent to my parents address and they did not receive it. Though a copy, which looks altered, was sent to me. They refuse to send me a copy of the costs incurred from the insurance company, a police report ... .anything showing this is real. This has been going on for a year and I NEED my license back. I am a XXXX and work full time. I can not continue my education and work while paying for taxis. I sent them a request for validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2017. I have heard nothing back from them. Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief