milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ATTACH IS THE PROOF OF THE FRAUDULENT ACCOUNTS ON MY REPORT THAT NEED TO BE REMOVED. 


These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. 

Today on XX/XX/XXXX, 2017 I made yet another call to this credit reporting agency. I was transferred to the supervisor named XXXX employee # XXXX who argued with me endlessly that Equifax is NOT required to follow federal reporting standards of completeness and COMPLIANCE or Metro 2 reporting laws. She explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. She said they  refuse to delete the information that is being reported wrong and there is nothing she or Equifax will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. 

I have kept very accurate records since XX/XX/XXXX of 2017 of all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... 

Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit card protection / Debt protection

Complaint: Through our recent experience, Citi Bank Credit Services has not followed the requirements of the Credit Card Act of XXXX. 

-Citi Bank put our XXXX payment, after a mere 2 days late ( more information below ) immediately into default mode with a penalty APR of 29.99 %. They did not respect the 30 day window the law grants us to make a late payment without APR increase. 
-In their notice to us ( which was embedded on page XXXX of our statement ), they do not clearly state when the penalty APR will be lifted. The law requires that our account is reviewed within 6 months and that this be stated on the notice. 
-They also did not inform us that we were legally permitted to cancel the account, maintaining the original APR within 45 days. 
-They are using our payments towards the lower APR first, where the law requires them to use our payments towards the the higher APR first. 

Additional Information : In XXXX, we were 5 days late paying our bill as we were out of the country without internet. We paid immediately upon our return and contacted the company on XXXX XXXX to confirm there were no issues with our late payment. They waived the fee and said there were no repercussions of our actions. However, as of XXXX XXXX, our APR increased to the penalty APR of 29.99 %, effective on our XXXX bill. We have called multiple times to discuss this issue, with no success.

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 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivable Performance Management LLC was hired to collect on a debt that has already been resolved by the previous collection agency and XXXX. The debt was removed from my credit file well over one year ago because it was determined frivolous. After the resolution, XXXX hired another agency to continue to harass me for a debt that has already been resolved. The debt was forgiven due to poor service. I lost money and had to go to a different carrier because of poor service when I had XXXX 2 years ago. I am not going to pay on something that was already resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (WI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: OnXX/XX/XXXX the Navy Federal Credit Union made an unauthorized withdrawal by check from my savings account in the amount of {$4600.00}. I first noticed that this transaction ( which I had not authorized ) had taken place on XX/XX/XXXX When I questioned the credit union by telephone I was told that the money had been sent to my ex-wife at her request. I have never authorized my ex-wife to withdraw money from my savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Statewide Credit Asscoiation Inc. is calling my workplace. Also called twice within XXXX minutes. This is not acceptable. XXXX was reps name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is the XXXX complaint as the XXXX was not satisfactorily resolved and WF seems to just do what they want.  Am curious what you all do to help the consumers?  They made msitakes paying insurance and then took out more money from my checking to cover an increase, which even that, they took earleier then they had stated in the notice they sent me.  I even transferred more money to cover the shortage but now they have not even returne my monthly mortgage to where it is meant to be at XXXX.  It is still at XXXX which is over $200 increase monthly....how are they allowed to do this?  I am so sick of this and their mishandling of my money.

On top of that it's a really crappy way to treat Veterans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised XXXX XXXX XXXX about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now XXXX years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am a paying customer for Equifax to their Product to actively monitor my credit report. I was recently trying to refinance in mortgage and cleaning my credit to proceed for refinance. 
On XX/XX/2017 I was able to pull up my credit report, My car leasing account just closed and my credit Fico score when from XXXX to XXXX that day. I pulled up my Equifax Credit report on XX/XX/2017 ... this time ... I had no credit report. All of my creditor and balances showed Zero on everything. I complainted to Equifax rep. who change to membership from Premuim membership of {$19.00} monthly to this other product for XXXX per month. I tried to pull up my Equifax credit report ... still the same ... .no Credit Report history ... like i was erased from the system. I called back to Equifax to file a dispute and was told it would take 30 days to fix the problem. They did acknowledged my credit file was uploaded to a bad file ... or was deleted. I told them ... what if I needed to apply for credit? or refinance my mortgage ... I am on hold because they messed up with my credit report file. She apologized and said there was nothing they can do ... .it will take 30 days to fix their mistake. I am so angry with Equifax ... ... I again pulled up to see if anything had taken placed to fix my missing credit report. Still today XX/XX/2017 ... nothing. I have no Credit report on file with Equifax. I am documentating everything in case I contact a lawyer to file a lawsuit. I think this is so unfar ... that a Credit Agency can hold your Credit Report against you ... removing from their database or deleting it. I still do n't know what happened ... and still in Limbo with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After reviewing my credit report, I found that my student loans have been reported double and triple times on my credit history. This has caused many occurrences where I have been treated unfairly due to the impact on my credit rating. My loans were refinanced and should only be reported 1 time for the full amount, not multiple times for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Back in XX/XX/XXXX I arranged to pay the balance with the company and charged me a processing fee and that's illegal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is an amended version of complaint # XXXX. I made this complaint without my notes, and I incorrectly represented that XXXX told me that HAMP did not apply because Key Bank did not accept TARP. That is what my housing counselor told me months ago ( and when I found out that Key Bank did accept TARP, drinking deeply of the TARP chalice and for a long period of time, I thought a complaint was therefore appropriate. ). What XXXX said in our XX/XX/2016 teleconference was that HAMP did not apply because the loan was a HELOC ( Home Equity Line of Credit ). As it turns out, this was also a misrepresentation that could be highly injurious to the estate, as I will explain. I have discovered other facts that indicate that Key Bank injuriously misrepresented the applicability of HAMP, a violation of New York State GBL 349, 350, and might be deemed " unfair, '' based on the three-part test used as a standard of law, for 15 U.S.C. 45 ( a ). I spoke with " XXXX '' in Key Bank 's Collections Department on XX/XX/2016. After consulting with someone ( putting me on hold ), she returned to the phone to tell me that the reason Key Bank did not accept HAMP was 1 ) the loan, a first-lien home equity loan, was not " government-backed '' and 2 ) the loan is a HELOC. After some questioning and explanation from me ( The loan is not, for example, an FHA or SBA loan, which is " government-backed '' or guaranteed, but I asked her to clarify if she meant that HAMP did not apply because the loan was not government or XXXX or XXXX-owned or that the loan was non-conforming. Once I explained the distinction, she was more precise and said that the loan was not government-owned. I then spoke to the Help Team at the U.S. Treasury 's Make Home Affordable program that sponsors HAMP for clarification. After putting me on hold ( probably talking to the supervisor, XXXX ), they clarified that banks that accepted TARP funds are not required to participate in the Make Home Affordable program ( and Key Bank does not participate ) and that a first-lien home equity loan, with principal repayments, as this originally HELOC loan is now and was at the time of default does qualify for HAMP. 

What this means is that, although Key Bank is not required to offer HAMP, XXXX erroneous reason that because the loan was originally a HELOC, it did not qualify for HAMP, is wrong. Two and a half months have been lost to me in which we could have had a participating HAMP lender refinance the loan or Key Bank could have sold the loan to XXXX or XXXX, who have comparable programs. Since Key Bank has sent an acceleration letter, their intent is to foreclose, and because of its misrepresentation, the borrower may not have time to take advantage of HAMP, which expires on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on 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 01/31/2017 about Consumer Loan (Installment loan) with Opportunity Financial, LLC (VA).
Issue: Problems when you are unable to pay

Complaint: I took a loan out with this company in XXXX of 2016. When I took out the loan I understood what the initial payment would be and was told that I would pay lower increments each month. However, I did not understand that the interest would decrease at the slow rate in which it is currently decreasing. Because last month was XXXX and personal and property taxes were due. I was unable to pay the minimum amount of XXXX. ( I have been paying an excess of XXXX a month on this XXXX loan since XXXX with the first payment being 0ver XXXX ) I therefore, contacted the company and agreed to pay {$350.00} of the balance. I was told that the addtional would be added to the balance of XXXX 's payment. Now, this month they are showing a minimum of XXXX. XXXX due and with the additional amount left from last month. I am having to pay {$660.00} this month. I called the company to see if a lower payment could be negotiated and was told that an arrangement could not be made on an arrangement. I am totally frustrated with this loan company. I borrowed {$3000.00} from this company in XXXX with 160 % interest rate, I am scheduled to make monthly payments for a year. I read an article about another payday loan company overcharging in interest rate for consumers of Virginia and realized at this point that I, too, am being overcharged in interest rates. The comapny I am referencing is Opportunity Ficnacial, LLC. I am seeking assistance in getting lower monthly payments and adjustment to my interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (GA).
Issue: Trouble during payment process

Complaint: I purchased my home in XXXX XXXX using a mortgage broker ( XXXX XXXX XXXX XXXX ). Shortly after they sold my loan to AmeriHome Mortgage Company , LLC who would be financing my loan. The loan type is Fixed Rate - 30 Year. 

Concern 1 : My escrow shortage does n't look accurate Concern 2 : My monthly payment is going up almost 7 % and I can not afford the new rate Concern 3 :  After escalating the issue internally at AmeriHome - they will no longer discuss my issue with me, nor will they return my e-mails or phone calls. 

XXXX XXXX I received a letter from AmeriHome stating my escrow shortage was {$3100.00} & my new monthly payment amount would also increase $ XXXX ; or I could not pay the shortage and my new payment amount would go up {$360.00}. I had a concern about where about {$1200.00} of this shortage was derived. 

On XXXX/XXXX/XXXX I reached out to AmeriHome to discuss the shortage and where the numbers were coming from, only getting the response that " its from your Insurance and Taxes. '' I looked at the numbers myself but they did n't seem to add up. I asked for the customer service rep to escalate to a supervisor, at which time I was put in contact with XXXX. At this point, all I was trying to do was pay the shortage and overfund my escrow account to keep my payment amounts the same and I was informed that it is IMPOSSIBLE for them to do that, even though I can not afford the increase stating if they get audited they 'll get in trouble. With proper documentation - they should easily be able to explain that to an auditor. Since I was n't getting the resolution I needed, I asked for the next escalation point, at which time I was told to contact XXXXXXXXXXXX with the subject line " Office of the President ''. I did so on the same day requesting a call back. I followed up via e-mail on the XXXX, XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, as well as by phone on XXXX. The last phone call I had with a customer service rep on XXXX - I expressed my concerns w/ the lack of response from the " Office of the President '' and let me know the supervisors would no longer discuss my concern with me  because the issue has been escalated to the " Office of the President. '' My last correspondence with AmeriHome on XXXX was via e-mail letting them know if they can not get back with me by COB XXXX/XXXX/XXXX I would seek other escalation points. 

I need help. If this is not the right avenue for escalation, maybe you can point me in the direction of someone who can help? I am trying to pay the company, but I just want to have a conversation with someone from their company that can provide sound explanation for their claims and work with me to keep me from having to sell my home because I can not afford the new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a chase credit card. I was declined and the letter gave reasons for denial. XXXX of the items cited was my Experian credit score which the letter cited as XXXX. My score is not XXXX, Experian cites it as XXXX. I worried that my score had dropped. I called Chase lending and spoke to XXXX different reps in lending who did not know why the score was cited as XXXX. They assured me that the score was not used as a determining factor, even though the decline letter stated that it was part of the reason. I paid to have my Experian credit pulled because no one at Chase lending could tell me why my score was cited at XXXX and there system did not. Turns out Chase rescores an applicant. If I had been told that Chase rescores I would have saved XXXX hours of complaining time with Chase XXXX a fax letter and would not have incurred a fee to pull my Experian score. Who knows XXXX many people are have experienced the same and have also incurred an expense to validate wrong data.

Company response to consumer: Closed with explanation