milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On  XXXX   XXXX , I contacted this company about something I have noticed on my credit report that was opened on  XXXX . I informed them that I was never in any medical facilities and I have no knowledge of this account. They informed me that that 's what they received and they are not Going to do anything about it to investigate. I disputed that on  XXXX   XXXX  with the credit bureau. I do n't understand why I was n't contacted about this and how someone can just post something on your credit report without contacting you to verify that you actually owe that debt. This company is committing a fraud by submitting some documents that are clearly fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.

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 01/15/2018 about Payday loan, title loan, or personal loan (Title loan) with Ad Astra Recovery Services Inc (AZ).
Issue: Struggling to pay your loan

Complaint: This was included on my bankruptcy and they will not take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 been trying to convince Transunion that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that Transunion also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by Transunion. I also have similar experience with XXXX  but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as Transunion. They seem to have similar work code.

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 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account XXXX does not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection agency is claiming I owe {$9.00} to XXXX XXXX XXXX. I never received a bill from this company. I have paid all of my medical bills and have no knowledge of any outstanding debt. This is a fraudulent claim.

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 01-12-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was using XXXX XXXX as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called XXXX XXXX they sent out a XXXX and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted XXXX XXXX and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got XXXX XXXX. After talking to XXXX XXXX again they sent me a refund for the partial month not used and said they would close the account. Several months later they started to attempt to collect {$230.00} from me. I sent them XXXX letters explaining they had previously sent me a refund and that they agreed they were not meeting the previous agreement. I told them if they wanted to collect the debt to please file a suit. Lately they have turned the account over to AFNI for collection. I wrote AFNI giving the same facts and asking for a suit be placed against me. AFNI has now placed this debt on my credit report with a very negative effect. I am requesting they either file a suit or remove the debt. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had decided to end my business relationship with XXXX XXXX, DE. I had a XXXX with this financial institution, and decided to transfer the current balance over to a different card. Thus, I had no reason to monitor my account. I had not realized that a vendor that I had done business with in the past ( XXXX ) had been posting unauthorized charges to my XXXX XXXX, until I had begun receiving emails from XXXX regarding my account being past due. By that time, I had already been 60 days late in paying my credit bill. I quickly contacted the vendor, and explained the situation, and XXXX had credited me back for the amounts they had charged to my card. I then went to XXXX, and they reversed all late fees. The problem I am facing is that both XXXX and TransUnion are refusing to remove the 30 & 60-day late entries on my credit bureau reports ( which are the only adverse information on my report ). This is where I need help -- in getting these negative items removed from my report to retro-chronologically reflect what my report should have had, had there not been any unauthorized charges to begin with.

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 05/22/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On Sunday,     XXXX   XXXX  2016   , I received a notice in my door reminding me that my lease to  XXXX   XXXX   XXXX  would expire   XXXX   XXXX  2016   . At the time I was unable to respond to the notice as the leasing office is closed on Sunday. Later in the week, I notified  XXXX  in the leasing office that I would not renew the lease and had already made arrangements to move out.     I have included the unsigned Lease Agreement Extension as well as the Lease Agreement Extension Fair Collections and Outsourcing received from   XXXX   XXXX   XXXX   (  XXXX   XXXX  ), dated   XXXX   XXXX  2016   , as an attachment to this complaint. The expiration date on this documentation was falsified and  " Auto Renewal ' ' was entered on the document, instead of obtaining my signature, after I told them I will not renew my lease. The attached documentation also shows a discrepancy between the date entered on the  Security Deposit Disposition  as to when this was sent to collection (   XXXX   XXXX  2016     )  and the signature date that  XXXX   XXXX   XXXX  entered on the Lease Agreement Extension (   XXXX   XXXX  2016     ).      I disputed and requested verification of this collection item with  Fair Collections and Outsourcing  but their response brought no change. I was provided a breakdown of fees owed, shown in the attached  Security Deposit Disposition , but this information is also inaccurate. As shown on the attached  Security Deposit Disposition,  the reason for leaving was NOT due to eviction so there should not be any attorney 's fees. If any attorney 's fees were assessed, I have not been provided proof that those fees were paid by  XXXX   XXXX   XXXX   (   XXXX   XXXX   ).  I am also attaching a copy of the lease I entered into at my new place of residence that began   XXXX   XXXX  2016    which again,  XXXX   XXXX   XXXX  was made aware of this.     I hold FCO responsible because they accepted this account. They also had two opportunities to validate the account and failed to do so. Had they properly validated it, the correspondence I received from them should have the Intent To Vacate notice that I signed and left with   XXXX   XXXX   XXXX  . Along with that notice I provided a forwarding address to send any balance owed due to failure to clean the apartment but that amount was taken from my security deposit, as shown in the  Security Deposit Disposition .   XXXX   XXXX   XXXX   (  XXXX   XXXX   )  fraudulently submitted documents to Fair Collections and Outsourcing in an effort to collect money that is not owed to them. Fair Collections and Outsourcing is now reporting to all   XXXX   credit bureaus inaccurately and without properly verifying the account upon my request which has brought me to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with Integrated Recovery Services (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX, My son contacted me by text, to inform me of a call he'd received from XXXX XXXX XXXX XXXX XXXX XXXX ( " A law group '' ). He informed my son of an amount due and said that they were filing a court case against me, that I " had committed fraud '' On XX/XX/XXXX I was able to reach XXXX XXXX. I contacted him, to gather information. I assumed the original debt, had been " sold '' to his company. I asked for an account number and the address of the company. XXXX XXXX began a verbal assault of my character and cited details of my credit report to back his assertion that I am " a loser '', and refused to give me an account number or their address. XXXX XXXX called me a " loser '' several times and said, among other things, that I " rip people off ''. There was a lot... 7 mins of character assassination. I was able to record the last 2 min or so. XXXX XXXX said the debt about was {$2000.00} more than it actually is. I also reminded him that it was illegal to have informed a member of my family of the debt amount and I felt certain it was not correct. He verbally assaulted me some more. 

Through more research, I was able to find the actual " owner '' of the debt - XXXX XXXX XXXX XXXX. They " outsourced '' the collection, but XXXX does not " own '' the debt. I was also able to ascertain the correct balance and the representative I spoke with ( at XXXX XXXX ) said there was no reason for the account to be {$2000.00} more. 

Not only did XXXX XXXX threaten me with jail, and verbally assaulted me, saying I was a criminal and a loser, he tried to coerce {$2000.00} extra dollars from me. 

I am so grateful I persisted and found XXXX XXXX. They have agreed to " pull back '' the account from XXXX, so I should not hear from them. 

XXXX is not capable of decent conversation, compromise, or negotiation on behalf of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MO).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016, I used a website ( I believe XXXX XXXX ) to inquire about refinancing my mortgage. Naturally, as a result of this query, I received a number of telephone calls from various lenders, XXXX of which was LoanDepot.com. I never authorized, granted permission, or indicated with any of these lenders that I wanted to move forward, mainly because my local credit union offered the best terms and I already had an existing relationship. However, on XXXX XXXX, 2016, I received a full loan packet ( completed mortgage application, addendums, etc. ) for a 10 year mortgage for $ XXXX, from LoanDepot.com, license ID XXXX, requesting signatures for loan ID XXXX. I subsequently called the loan officer listed on the documents, XXXX XXXX, license ID XXXX, telephone XXXX and left him a voicemail indicating my dissatisfaction especially since I never expressed interest in proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX College were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. XXXX XXXX XXXX has fraudulently reported late payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We resolved the issue, but I would like to share our story with the CFPB in case other consumers are affected. My wife just opened a new XXXX store card. The company, though, Comenity - XXXX has charged us late fees for 2 consecutive months on her card. This happens because the company tends to process our payments late. It feels as if they do this just so they can charge us fees. Since we use our bank 's billpay service, our bank confirms when the company receives the payments so we know that our payments arrived on time. Therefore, while we were willing to accept the first late fee as a possible error on our behalf ( we scheduled the payment for the due date ), we ensured that Comenity - XXXX received this " late charge '' payment a few days prior to the due date. The company STILL sat on our payment for a few days, processed the payment 1 day late, and charged us new late fees. We called Comenity - XXXX to resolve the issue, and they refused to reverse the charges. After a threat to report them to the CFPB, they decided that they could offer relief for our situation and dropped the fees. Still, we closed the card and are still lodging a complaint so others are not swindled by them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX  XXXX. out of XXXX, Ma are attempting to collect on an account that I defaulted on with American Express. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Student loan (Non-federal student loan) with LTD Financial Services, LP (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: COLLECTION NOTICE SENT TO MY DECEASED MOTHER IN LAW WHO,PASSED AWAY 12 YEARS AGO,THEN FORWARDED TO MY UNCLE WHO  WAS THE EXECUTOR OF HER WILL, HE IN TURN GAVE THE NOTICES TO US (PARENTS).NOW OUR ENTIRE FAMILY KNOWS OF THE DEBT. THIS COLLECTOR , XXXX( HIS NAME AT THE LTD AGENCY HAS BEEN TOLD SEVERAL TIMES THAT MY MOTHER IN LAW HAD DIED, YET SENDS TWO NOTICES TO HER . MY PRIVACY HAS BEEN INVADED, NOW I AM APPALLED THAT MY UNCLE  AND HIS FAMILY AND XXXX KNOWS WHO ELSE KNOW ABOUT THIS DEBT.PERHAPS IF XXXX WAS WILLING TO WORK WITH STUDENTS ,THEY (XXXX) WOULD NOT HAVE SO MANY ACCOUNTS IN COLLECTIONS. XXXX NEEDS A COURSE ON PRIVACY LAWS & REGULATIONS. WE HAVE CONTACTED AN ATTORNEY AS WE ARE SICK AS XXXX OVER THESE RIDICULOUS NOTICES ,AND THE FACT THE REST OF OUR FAMILY KNOWS ARE PERSONAL BUSINESS !! PLUS MY HUSBAND IS RECOVERING FROM A XXXX ACCIDENT AND DOES NOT NEED THIS ADDITIONAL STRESS .THANK YOU XXXX YOU XXXX, MERRY CHRISTMAS TO YOU!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Consumer Loan (Vehicle lease) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease

Complaint: I have had a open auto loan with Westlake financial since XX/XX/2014, and they have yet to report my good payment history to the credit bureau. I have called several times as well as submitted a copy of my social security card and nothing has been updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Shopping for a loan or lease

Complaint: I am currently looking to purchase a new truck. I am very interested in a XXXX XXXX pickup. So while I was researching XXXX trucks, I applied for an auto loan clicking on the " Apply for Credit '' link from XXXX which lead to Chrysler Capital. On the Chrysler Capital website, words were stated that made me believe that I could get approved for a loan by submitting my information. I have always thought that after an auto financier approved me for a loan they would disclose all of the terms of the loan. After submitting my application, I received a " pre-approval '' of {$58000.00}. However, nowhere on the document did it state the APR or Length of XXXX. I called Chrysler Capital and was told that this was information that the dealer would disclose to me. Why is that??? I applied with Chrysler Capital. I feel that Chrysler Capital and the Dealer are in collusion to charge me an excess amount of interest on my loan, and pressure me into buying undesired financial products. I truly feel that I was taken advantage of here. Chrysler Capital asked me to submit my personal and private information by luring me with their offering of loan approval. But after said loan approval, Chrysler Capital is refusing to fully disclosing the terms of said loan. 

I will advise everyone to avoid Chrysler Capital and apply to a full disclosure bank for your auto financing.

Company response to consumer: Closed with explanation