milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for 15 years ) from my credit report. When I called they said it would take 55 days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Consumer Loan (Installment loan) with EAST WEST BANK (CA).
Issue: Managing the loan or lease

Complaint: East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.

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
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Student Loan lender have multiple duplication of accounts illegally blocking me the consumer from qualifying for refinancing student loan with a reputable lending institution available to me as a consumer. The lender have duplicated these entries over 30 times duplicated on my credit files.They continue to circumvent by stating they have responded to the consumers complaint. What they are doing is strategically selecting one account out of 10 and addressing one and leaving the 9 remaining. The rules say that multiple creditor of the same account should be listed on any consumers credit files. Here 's a list of duplication that do not own the loans. When these loan because due after graduation the creditor only alerted me after the loan was delinquent several months. This I believe is leverage tactic by the lenders to further damage my creditworthiness. All information reporting on the loans below are injurious to my family life and some of these have been added to my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: i went to sams club to make a purchase while checking out there system went down my card was charged and sams club refused to give me what i paid for i refused to leave and called the police bc i seen my card charged then the manager gave me a letter i called sams credit and disputed and sent them the letter and there refusing to take out this charge that i never recieved my goods for

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have se nt two documents ( DL & SSN ) to   XXXX  on  XXXX   XXXX .     They confi rmed over the phone they will update within 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the document and they are completely clueless why  they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  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 non-monetary relief
Consumer complaint received 08/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have not applied for any credit, but XXXX did a hard pull XXXX/XXXX/16, reducing my credit score. I 've seen several complaints about XXXX, and was advised to start my dispute here.

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 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hard Pull on my credit report - I did n't contact or authorize XXXX to do hard pull credit check and do not know what this is for/from - I am concerned about identity theft, I do not have anything other than the hard pull I did n't initiate to suggest ID theft, so I 'm just worried. 
Details of the hard pull, date, and address of company XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 05-09-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: I have been dealing with Bank of America, only to be told lie after lie. First off, I had to have a packet notarized and sent back to them, it came without a prepaid envelope. I requested that one be sent to me for weeks.  One  never came so I paid for the return of the packet after I spoke to the account manager. He told me I would be reimbursed. Today he stated he does n't know if the packet ever got there. I stated I paid {$30.00} to return the packet. He now states he never said I would be reimbursed. He will look into it. It was sent 2 day delivery on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX .   I had a loan forbearance in  XXXX . I thought for some reason it was a modification. This was entirely my mistake. I made the forbearance payments in  XXXX  and  XXXX   XXXX .  XXXX   XXXX  when I tried to make a payment I was told I was in foreclosure so I was forbidden from making any payments, unless I paid the entire overdue amount. Today he said I was in foreclosure but asked if I wanted to make a payment?. I asked how that was possible if I was in foreclosure and he said I was n't. I hope they tape these conversations. He said I was taken out of foreclosure due to a new MA state law. He stated I could have been making payments all along. I talk to this man every week  ( me calling him )  and he never once told me that. All this time I could have been making payments but was never allowed because when I tried I was told I was in foreclosure. He also said to make a payment right away because the law could change any minute and I could go right back into foreclosure. I feel I am getting the run around on anything that has to do with Bank of America, from simple documents to being told I 'm in foreclosure to not being in foreclosure. But most of all not being allowed to make mortgage payments!!! When my forbearance was about to expire in   XXXX   XXXX   my account manager should have reached out to me to see what our next step was going to be for the continuation of the mortgage.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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 made payments to my Capital One account in XX/XX/XXXX through my mobile app. The XX/XX/XXXX Bill ( statement ) had a due date of XX/XX/XXXX. The Card was paid on the XX/XX/XXXX and the XX/XX/XXXX. My credit reports that XX/XX/XXXX was late. I wanted it removed by going through Capital One and disputing it. Capital One has yet to resolve this matter and its been on ongoing struggle with them. This is the only blemish on my credit holding up my VA loan approval for my families first home. 

It appears that they probably misapplied one of my payments and are having a hard time fixing it. I have a letter dated XX/XX/XXXX which stated to please allow 15 days plus another 10 for mailing? That puts us at XX/XX/XXXX max to investigate and up to 10 days to mail. Should have received this by now, and a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN).
Issue: Incorrect information on your report

Complaint: Filed for Bankruotcy Forclosed on property and equity credit line bankruptcy discharged property foreclosed on and sold to soneone else i no. Longer live at or own this prooerty THE EQUITY CREDIT LINE WAS THROUFH XXXX  XXXX. I RECENTLY STARTED GETTING CALLS AND STATEMENTS FROM XXXX XXXX XXXX XXXX WICH LOOKS LIJE BOUGHT THE LOAN FROM XXXX   XXXX THEY ARE BOW TRYING TO COLLECT ON A LOAN THAT WAS DISCHARGED IN BANKRUPTCY I CONTACTED THEM AND NO LUCK

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I explicitly declined a hard inquiry to my credit report when setting up XXXX satellite service ( via recorded line telephone on XX/XX/2017 ). XXXX stated they could pull a soft inquiry, and I agreed. Upon checking my report, I see they did in fact pull a hard inquiry, which is negatively affecting my Equifax credit score. Since I explicitly declined a hard inquiry because I knew it would impact my credit, I am asking the CFPB to be my advocate with the XXXX multimedia conglomerate,  who is not responsive, or set-up to handle these types of corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Transaction issue

Complaint: A XXXX refrigerator was ordered from XXXX on XXXX/XXXX/2015 with the assistance of a Sears representative. The refrigerator was delivered on XXXX/XXXX/2015 and placed in service by the Sears delivery team. The refrigerator is unable to maintain the temperature that is required to prevent spoilage of foods and I have had to discard several food items because of this deficiency. I have requested XXXX to remove the refrigerator from my home but Sears has refused despite the fact that the refrigerator has a one year XXXX Appliance Warranty on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have a lot of Hard inquieres, on my credit report the only thing I can think of my computer was stolen early this year. I had all my information in it, also it saved all my passwords and would put in all my info on any app that a person went to how can you help if you could. I have tried to send letters to the credit companys and the bureaus with no response when I did get a response it said no action taken. thank you in advance

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 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: US bank foreclosed on my property XXXX XXXX XXXX XXXX XXXX Pa XXXXWith Illegal documents. this documents. were filed in the XXXX distrct court. 
thess dicuments were filed by the same person for XXXX diffrent banks XXXX being bankwrup. 
Argent and its sister company XXXX. please find with this complaint dicumentation of this from the XXXX Th Didtrict court. also finf out fated notery stamp used to ffile these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ; EQUIFAX  XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX    XXXX   to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX ,  XXXX  and EQUIFAX in   XXXX  , yet they turned a  blind e ye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act ( SCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA, SCRA and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with Consumer Recovery Solutions, LLC (NH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This collector is n't calling me too much, and they have not used any inappropriate language, or anything like that. In fact, they were careful with their choice of words, but were clearly attempting to make it sound like I would be taken to court over a {$90.00} medical bill. The exact voice message left today  XX/XX/XXXX  by "   XXXX   XXXX   '' was this : " This message is for ___ if this is not ____ please hang up. This is   XXXX   XXXX    calling again with the office of CRS I was just calling as a courtesy to you and I am not sure if you 're aware what 's taking place here or not. I 'm now being asked to have a case in your name reviewed for final disposition. I just wanted to make you aware of this, as a courtesy to you before that took place. At this point you do need to contact me immediately now it 's   XXXX   use your case number as a reference when you call which is  XXXX . And again I need to speak with you immediately or you can have representation call me immediately on this as well '' I 've uploaded the voice message. When I later spoke to   XXXX   XXXX   he knew very well that he chose his words in the voicemail carefully and pointed out that he said that I " can have '' representation. So in his head it was no threat of legal action. The use of " Disposition '' instead of " Deposition '' is obvious that they are doing what they can to make this seem like they are not wording this as a threat - but they are.

Company response to consumer: Untimely response
Consumer complaint received 02-10-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Shopping for a loan or lease

Complaint: I am XXXX with an excellent credit and Toyota XXXX had me pay a 1.9 % on my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: collector is attempting to collect a debt that is past the original legal statute of limitation for debt collection. collector has reaged and dated the debt on my credit report to look like its a new debt and changed the account number to their own number to again make it look new.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (GA).
Issue: Problems when you are unable to pay

Complaint: Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars.

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 11-05-2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Services received by my son from XXXX XXXX during period that my son had full coverage from medical with XXXX copy. When I discovered that this was a charge now sent to collections that was not my responsibility. I tried several ways to resolve this. I faxed a letter from Medical stating coverage start date and proof of coverage during the visit that was wrongfully placed as my debt. I spoke on the phone to XXXX and XXXX and was asked to fax proof of.coverage. I made a copy and did just.that. I am suffering from this collection account, Medical may have made a mistake.or the billing department from the clinic. I want this to be completely erased from all XXXX credit bureaus. Thank You, XXXX 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 10/13/2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (FL).
Issue: Managing the loan or lease

Complaint: I am a victim of identity theft, I have filed a police report and a signed affidavit, someone received a loan on my name without my consent or knowledge with Volvo Finance, I have forwarded all the necessary documents to them and they are ignoring me and giving me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

My correct phone number is XXXX Item # 1 : I XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., this account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 8 : XXXX XXXX - XXXX ...., account was paid in full prior to being a charge off. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there. 


The following information is part of your credit history and is provided to others. 

Inquiries below are not mines and should be deleted. 
XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016

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