milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Credit reporting () with STERLING INFOSYSTEMS INC (WV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Sterling Infosystems conducted a background check on me for employment with XXXX and there was false information on my report. It said that I had a felony charge for disorderly conduct and a misdeameanor charge for assault which is also not true. I was charged with a XXXX in 2010 and a XXXX, not a XXXX in 2010 as well. Because of this, my job offer was revoked and the company has yet to send me the proper paperwork to dispute the claim with them. The background check was completed last month and I have been trying to get this straightened out. I want this taken off my record and they also only verified the information by my name and nothing else. They have caused me to be unemployed and out of a job because of a careless mistake on their behalf.

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 03-01-2017 about Student loan (Federal student loan servicing) with MOHELA (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was unemployed from XXXX XXXX, XXXX to XXXX XXXX, XXXX requested monthly help from Mohela telling them I had number money for any payments for my student loans. They did n't inform me until XXXX XXXX that I could defer with any penalty monthly. In XXXX XXXX I was informed by a Mohela agent that I could have submitted for a 6 month deferment the day that I was unemployed due to my unemployment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with M&T BANK CORPORATION (PA).
Issue: Problem when making payments

Complaint: I filed a complaint on account # XXXX XXXX XXXX XXXX XXXX with M & T bank with you the beginning of XXXX, XXXX. M & T replied concerning my wife 's HELOC account with M & T. This is part of the problem. This bank is unable to keep records straight. They do not know what they are doing. I have been paying {$300.00} a month for around XXXX years. I dealt with XXXX XXXX. My payments went to him at XXXX XXXX XXXX, XXXX, NY XXXX EVERY month for years. I received a letter from XXXX XXXX Attorneys concerning this account stating M & T has not received any payments since XXXXXXXX XXXX on my account. I never received any statements from M & T regarding this or that an attorney was involved. I found out XXXX XXXX is no longer with M & T. I was not notified about any of this until I was contacted by these attorneys. I received a letter from M & T on XXXX XXXX, XXXX stating my payoff was {$38000.00}. The letter dated XXXX XXXX, XXXX from the attorney States a payoff of {$40000.00}? How can that be? This is how M & T works. Something needs done. Now their response does n't even address my account!!! Since this is so dishonest please make sure M & T addresses the CORRECT 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 03-07-2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (MD).
Issue: Managing the loan or lease

Complaint: According to the last XXXX BBB claim notices, AVANT was to credit my account over {$400.00} in fees/interest. In the last statement sent to me via email, it is very clear that this was not done. In fact, every time I asked for an audit, " funds '' were incorrectly managed or applied and the amount I owed increased. This happened on several occasions. I have saved all of these emails from AVANT

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX account paid in full over four years ago. Also XXXX inquiries counted double. Would like the doubles removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with BWW Law Group, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: BWW LAW GROUP, LLC ATTORNEYS AT LAW A DEBT COLLECTOR IN VIOLATION OF FDCPA AND IN FEDERAL VIOLATION AGAINST ME AND MY RIGHTS. THEY ARE THE BIGGEST SCAM!!!! 

I HAVE ASKED FOR A TRIAL BY JURY FOR THE ALLEGED CLAIMS OF THE DEBT THEY CLAIM TO OWE WHICH THEY DO NOT. ALL THEY DO IS HARASS FILE FICTITIOUS PAPERWORK ACTING AS ATTORNEYS AND DEBT COLLECTORS AND ASSIGNING PAPERWORK BUT WHEN I RESPOND THEY IGNORE AND VIOLATE ME. I DEMAND A TRIAL AND I PLAN ON SUIING IN XXXX XXXX COURT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX   claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful

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 04-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the XXXX XXXX account to be removed from 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 03/17/2016 about Credit card () with U.S. BANCORP (UT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted letters to  XXXX ,  XXXX , and Experian regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lend er ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.

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 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Customer service / Customer relations

Complaint: I was approved of a Capital One credit card, and received the card about 1 month ago. When I try to activate it, I was accused of identity theft, and they asked me to send a copy of my license, which I did. They told me they would call me in 1-3 days. Since then it 's been agonizing ordeal for me. I did not get any call from Capital One, thus I called them again, then they asked me to provide a copy of my social security card and a copy of my utility bill. I got my social security card some 40 years ago, and I did not have the card in my possession, thus I had to apply for the replacement card, and got the card, and sent them both, but still no response. I called them multiple times, and their responses were that they would review all the documents I provided, and would call me, in 1-2 days last time I spoke with them, but no still no calls. Literally I spent hours trying to solve this problem, but Capital One is keep on accusing me of fraudulent application and the identity theft. I have the excellent credit history, spanning over 30 years. They also sent a letter to my home address in name of XXXX XXXX, accusing me of identity theft, but the fact is that I lived in my current address ever since it was built over 20 years ago, and there was never a person named XXXX XXXX lived in my house. I can'e believe that such a national company like Capital One would have get such a wrong personal information, and accuse a legitimate customer of identity theft. 

Can you solve this problem for me. 

Thanks. 

Sincerely, XXXX XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all XXXX XXXX accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, 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 02-08-2018 about Mortgage (VA mortgage) with Gotmortgage.com (CA).
Issue: Trouble during payment process

Complaint: I purchased a house in an area that has a Special Assessment ( XXXX XXXX ). My mortgage company, GotMortgage, is aware of the XXXX XXXX, because its stated on the Preliminary Title Report. On XX/XX/XXXX, I signed a Closing Disclosure with GotMortgage, that included my principal & interest and escrow of {$4200.00}. When I went to closing on XX/XX/XXXX my principal & interest and escrow was {$3600.00}. GotMortgage sold my loan to XXXX XXXX, and this year when XXXX conducted an analysis of my taxes I am short {$16000.00} for my escrow. Which makes my new payment at {$5600.00}. The reason I am short XXXX is because when I went to closing the Taxes and XXXX XXXX was changed and not enough money was collected for my escrow account. 
I have contacted GotMortgage to get an explanation to why this happened and I have been told " XXXX XXXX was not collected and they ( GotMortgage ) don't know why my documents were different at closing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Application, originator, mortgage broker

Complaint: My mortgage processor with USAA, XXXX XXXX XXXX emailed a completed VA form with my social security number, date of birth, full name and address prefilled on the form without any read protections or encryption since she felt it would be faster than using USAA 's encrypted banking website to send the form. USAA 's own internal company policy prohibits emailing of any mortgage forms because of the risk of identity theft ( as stated to me by another representative earlier in the mortgage process when I requested a loan pre-qualification letter ). Despite XXXX XXXX claims to the opposite, the email was not encrypted and she feigned ignorance of how encrypted emails work by stating that USAA 's networks are encrypted and thus all emails are as well. Her deliberate act to email a VA form with my personally identifiable information ( PII ) via an unsecure email without any document protections ( such as requiring a password to open the file ) has exposed me to the potential for identity theft now. 

Beyond this issue, throughout the mortgage process USAA refused to honor my wishes to contact me by telephone instead of by email, causing delays in providing documentation. USAA also failed to explain the process in which mortgage officers are appointed and how you may not have the same officer if you have to cancel XXXX application and begin another. The quality of the mortgage officers varies widely with some apparently completely unable to read a customer profile ( I am not married, but XXXX XXXX insisted I was XXXX and asking to have a new officer assigned becomes an adversarial event between the customer and a manager. Management of these officers is similarly terrible with promises not being followed up on or even phone calls returned requesting help. 

I do not intend on ever using USAA for future mortgages and I would not recommend them to anyone either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Filed an erroneous collection tradeline # XXXX to my credit report for original creditor XXXX XXXX XXXX. I have never held an account with XXXX XXXX XXXX and have never had any association with the service address in XXXX XXXX, FL, for which the collection was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX XXXX XXXX {$200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The  repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Personal information was leaked by Equifax, including Name, DOB, Address, SSN, etc. some time before XXXX XXXX, 2017 due to a security breach caused by gross negligence with regards to security practices surrounding their website. 

No action was taken by Equifax, who actively refused to publicly acknowledge this breach, for over five weeks. 

Once knowledge of this leak became public, they attempted to offer a single year of credit reporting services- services they happen to profit from- which also included a binding arbitration clause protecting themselves from civil liability to their own incompetence. This offer was rejected out of hand as insultingly inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: APR or interest rate

Complaint: I have a penalty interest rate for part of my XXXX XXXX card balance that is higher than the majority of my balance. It 's my understanding that my payments are supposed to be credited to the balance with the highest interest rate, but as I look at my statements from month to month, this is not what is happening. I have called XXXX XXXX multiple times but no one can explain to me how my payments are being applied to which balances.

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