milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2017 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 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 1996 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  theaccount 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 response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: When I closed my account with XXXX in XXXX, I paid them the total due upon closing and they guaranteed that was the final bill, even though it was double my monthly for some long winded reason, I paid it, just to close the account. A few months later they showed this new amount still owing {$110.00} which I have no record or recollection of. This is plain extortion by big corporations like XXXX, holding people 's credit hostage for unjustified and fake collections. This should be removed from my credit report or copy me on the original date and itemized bill for this amount as this is NOT from XXXX, not even close!!!

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 05/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: I just paid a car loan settlement off in full from SANTANDER and i 'm working on repairing my credit to try and obtain a mortgage. I need a letter stating i have paid the loan off and they want me to wait at least XXXX days. Unfortunately, i cant wait that long so i need the letter faxed or emailed to me now so my mortgage lender can fix my credit. They have taken the money out of my account already and there is no reason why they cant send documentation stating that they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 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: on my credit report there appears a claim by XXXX XXXX. 

for YEARS i have been sending the information to XXXX XXXX and to TransUnion that the claim by XXXX is a FRAUD. 

the credit card was obtained by the ex-spouse a XXXX XXXX XXXX by forging my information and signature on the application. 

again the proofv of the fraud/forgery was sent to not only XXXX  and TransUnion BUT ALSO TO THE CFPB. 

in fact the CFPB opened a case against XXXX Card 's debt collector for continuing to harass me to collect a debt based on a forgery done by someone else when they had the hard evidence of the forgery. See CFPB case CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff v. 
XXXX, XXXX XXXX XXXX XXXX, XXXX, to date XXXX XXXX and TransUnion have REFUSED to remove the negative reporting that belongs to someone else - the one who committed the fraud by forging the credit application.

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 04-07-2015 about Debt collection (Medical) with AFNI INC. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NE).
Issue: Loan modification,collection,foreclosure

Complaint: About XX/XX/2002 we took out a Reverse mortgage thinking it would be of benefit to us. However since that time our loan has been passed from one financial institution to another, to another, to another, XXXX being one of them. These companies have charged us very high rates, and put enforced insurances on our property, to the point now where we have very little equity in our home. We need to downsize due to health problem and age but do not know if we can do it because we have been robbed, we feel. I think this Reverse mortgage thing is a big scam placed on older people. We had to retire early due to severe health problems and now are in dire circumstances. Is there anything that can be done? Or is there any way we can get out of this? Please help us if you can. Thank you. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Credit decision / Underwriting

Complaint: I send Chase JPMORGAN XXXX online they took the cash, and XXXX online and today they have failed to apply the cedit to the account, the currently have the property in Foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, Regarding our attempts to modify our mortgage with Greentree/Ditech over the past, almost 2 years. 

*in late XXXX, we began working towards a modification *after almost a year, full of lost papers and constant resending of documents, we were approved for a trial modification in XXXX XXXX *we made trial payments, per their instructions, in XXXX, XXXX, and XXXX of XXXX XXXX XXXX, there was no communication. 
*after repeated calls from us, we made a payments in XXXX and XXXX. 
*rec 'd a letter in XXXX stating we no longer would be able to modify due to not returning documents? 
*attempted to contact the rep on the letter referenced above, but no answer and no return call after leaving numerous messages *last message I left stated I would not continue payments until we could figure out what was going on. 
*continued to reach out in XXXX - no replies *drafted a letter to Ditech in XXXX XXXX responded in XXXX, stating they would review my inquiry, and get back to us in 30 days *In XXXX, another letter was sent by Ditech, basically saying our situation was still being reviewed *In XXXX, we rec 'd a letter from and attorney stating he was authorized to begin foreclosure proceedings *sent a letter on XXXX XXXX in response ( as requested on the attorneys notice ) with copies of the correspondences with Ditech *No response *Homeowners policy renewal payment of {$370.00} sent by me on XXXX - check was returned to us *Called my ns agent who stated policy was paid in full by the lender - we have always paid ourselves? 

So, it is now XXXX, and I 'm fearful that these people never had any real interest in working with us, and foreclosure is imminent. 
My wife and I worked diligently to save our home, but it just does not seem to matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: So I got a credit card about a year ago now and I was paying on it for a while and I just could n't afford to pay on it anymore and so it ended up going to collections without any type of warning or letter in the mail ... until one day I started getting calls from a local number so of course I answered it, they had told me that my credit card went into collections and I needed to pay them immediately. So I was terrified and said I would call him back and he said no it had to be taken care of today and that I just needed to put him on hold so I did and he then asks me how much money I could pay him I said maybe {$100.00} and he charged my account for {$160.00} I believe. And $ XXXX/2 weeks after that. He also said he would send me a reciept and never did. So after that I immediately was so angry I called my bank and canceled my card. After that was when the hate started. Calling me every day multiple times a day threatening me saying awful things. I kept all the voicemails. He never even said his company name nor was I ever sent anything in the mail!! I had no idea and now he said it 's going to an attorney and they will garnish my wages. That 's why I 'm coming to you guys

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both equifax and XXXX that they closed the account and dropped my credit score by XXXX  points in both cases, XXXX XX/XX/XXXX and equifax XX/XX/XXXX. i called equifax they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Payday loan) with BlueChip Financial (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.

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 03/16/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Transaction issue

Complaint: I have XXXX credit cards with Bank of America, and have a GOOD history of making my payments on time. This month, however, someone was late sending me a check, and the cards were A FEW DAYS past due. On Sunday, XX/XX/2017, I was away from home and stopped to buy gas. My credit card would n't work. Luckily it took my debit card. This was on a Sunday afternoon. I called my bank as soon as this happened, and was told that because I was A FEW DAYS LATE, they had turned off my credit cards WITHOUT WARNING. 

What would have happened if I had n't had my debit card with me? I was a good XXXX miles away from home. I WOULD HAVE BEEN LEFT STRANDED, WITH NO WAY TO GET HOME. I WOULD HAVE HAD TO CAMP OUT IN MY CAR ALONG THE SIDE OF THE HIGHWAY AND BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. I 'M XXXX YEARS OLD AND XXXX. I COULD N'T HAVE DEFENDED MYSELF IF SOMEONE HAD BROKEN INTO MY CAR WHILE I WAS IN IT. I COULD HAVE BEEN XXXX OR XXXX. 

If i had been 30 past due I would have understood this, but it was LESS THAN ONE WEEK. What if I 'd mailed a check but it had n't cleared yet? I would have STILL BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. 

Why did n't Bank of America NOTIFY ME THAT THEY WERE DOING THIS? I had NO WARNING WHATSOEVER. 

I got my check, the credit card payments have been made, but I have changed banks. I HAVE ZERO TOLERANCE FOR ANY BANK THAT WILL WILLFULLY ENDANGER THE HEALTH, SAFETY AND WELL BEING OF THEIR CUSTOMERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On or around XX/XX/2015 I completed in online dispute with Equifax. I advised that I am not a Junior and provided a copy of my birth certificate and copy of my social security card. The information was changed to exclude XXXX but two weeks later after filing a separate action with CFPB on XXXX/XXXX/15 equifax changes my name back to include XXXX. I have advised Equifax on numerous occasions prior to this request that I am not a XXXX nor have I ever been a XXXX. This behavior has been consistent with Equifax when you challenge them about incorrect information. I have been denied credit due to my name not matching the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account was settled in full. I was told all XXXX credit reporting agencies would be notified and this collections debt would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (I do not know) with Credit Central Holdings, LLC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security number
, Address, Date of Birth and others resulting in a data breach in 2017. Equifax has put myself and millions of others at risk of identity theft and fraud due to negligent security protocols in handling consumer information. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical
behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am having continuous problems with XXXX/Navient. I am paying off XXXX loans ( XXXX which is only {$2000.00} ) since 2008. I have no problem paying my loan but it is clear that my payments are only going towards the interest and not towards the balance. I applied to a Rate Reduction Program and agreed for Navient to automatically deduct funds from my bank account if I was accepted into this program. After about two months I was told that I was not accepted to the program but they continue, even to this day, to take money out of my account every month for the same amount as the Rate Reduction Program. My mother is a co-signor on this account and is XXXX without work. They continuously call my mom harassing her and now are threatening to report me to the credit bureau if I do not pay an additional {$350.00} on top of the monthly payments that I am making. The representatives are rude, nasty and condescending. They switch me to a different department with each call and refuse to address my concerns. XXXX XXXX is the prime reason why people who attended will not have kids or purchase a new home. The government is avoiding this snowball problem which will have a vast affect on the economy in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: We received a letter saying our XXXX XXXX card account has been inactive and warned us the account would be closed unless the card was used.I called and asked what was the minimum time before an account was inactive and was told 6 months. I used the card in XX/XX/XXXXThis is an outrageous policy because we don't shop often at XXXX and don't want to be threatened with using a credit card if we aren't needing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 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: In mid XXXXXXXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They sent me back info saying it will not be removed and it was not investigated

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Auto) with CL HOLDINGS LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been in contact with Jefferson Capital Sys for over two weeks trying to verify the account and the dates they will only say that I owe this collection. I have ask on 3 occasions for them to mail me info on the account and the process to dispute its validity but I have recieved nothing, I also contacted a credit agency to help me get more info and they have not been able to verify the account only to say they have my name an social security number, I need help ASAP

Company response to consumer: Closed with explanation