milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 

3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. 

Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. 

I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). 

Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me 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 03/15/2018 about Debt collection (I do not know) with J J Marshall & Associates, Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted JJ Marshall on XX/XX/XXXX regarding a debt I was not aware of, I was only asked if I wanted a copy of the report. I told them at that time my husband would contact them. I decided to contact them again on XX/XX/XXXX the person I spoke with for the second time was rude, he also told me that my husband contacted them in XX/XX/XXXX and took full ownership for the acct in question. They have full knowledge that this acct does not belong to myself. I never had a joint acct with my husband anywhere. They are refusing to take it off my credit report, this is the first time that I was even aware it was on my report. I have had my report run various times in the past 8 months and it was not until I tried to purchase a house, that they showed up on my report.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On or aboutXX/XX/XXXX through Experian 's website I asked that a Bankruptcy be removed from my credit report as being inaccurate. On or about XX/XX/ Experian responded claiming that they had verified the Bankruptcy as being accurate. I am informed and believe that were unlawfully simply relying on information previously obtained from a vendor XXXX. On XX/XX/XXXX I contacted the Clerk of the US Bankruptcy Court and was informed that they do not validate the Social Security Number and Date of Birth of people who have filed Bankruptcy to Experian or anyone else. On XX/XX/XXXX I sent an appeal  pursuant to the FCRA and FTC to Experian via USPS Priority Mail Tacking Number # XXXX XXXX XXXX XXXX XXXX XXXX. Said letter was received by Experian on XX/XX/XXXX. In the letter I explained that the Clerk of Court had never been contacted to validate the Bankruptcy, and I asked for the person, date, time, and phone used at the Bankruptcy Court to validate the inaccurate Bankruptcy listed on my Experian Credit Report. OnXX/XX/XXXX I contacted Experian customer service at approximately XXXX and was told by the customer service representative ( CSR ) that they had no record yet of receiving my appeal and it really did not matter as I had the complete burden of showing that the Bankruptcy was inaccurate. I complete shifting of the burdens under the FCRA. When I got off the phone with the CSR I XXXX information about any lawsuits that Experian was involved in over this same issue. There have been others including class action lawsuits and fines from the FTC for the same behavior. Thus, I was surprised that Experian still feels that it is financially advantageous to continue their unlawful practices and not probably trian their CSRs. I need your help in prompting Experian to act lawfully as my XXXX would make it difficult for me to file a lawsuit, and I simply want the matter resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: I am a  XXXX  veteran, I went to purchase a car and the sales person basically lied to me about the condition of the vehicle. I purchased the car on  XXXX / XXXX / XXXX  because the sales person reassured me that I was making a great purchase, after much research I found out that at one time  XXXX   XXXX  the  XXXX  model was under recall due to a manufacture defect, what made me look into this was because I noticed water in the bottom of my trunk along with either termites or ants, I purchased a wet vacuum to remove the bugs and water but nothings working. I brought the car into the dealership to be looked at and they informed me I had to pay over a  XXXX   XXXX  just to get it checked. That was money I did not have so I left. It kept raining and the car was getting worst! So for the about a year there has been mold and bugs in my car even in the inside. I do n't know what to do.

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 10/31/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Billing disputes

Complaint: I have maintained a credit card with XXXX XXXX XXXX XXXX XXXX for several years. I made several attempts to close this account over the years and for some reason or another I was unable to do so and continued to receive billing statements. In the last few months I escalated my efforts to close this account as the bank has began to send collection reports to the credit agencies for a nominal amount after claiming to have been unable to contact me. The bank has my telephone number and I did not receive a single phone call from them on this matter and the only reason my address was out of date is because I had believed my account had been closed. I have had my account past due in the past and recall receiving automated calls from the bank notifying me of the same. I would have gladly paid these nominal amounts and again attempted to get rid of this credit line had I known about the issue. 

I attempted to deal with the bank directly to was told initially that a supervisor would review my record and listen to the recorded telephone calls over the past years and get back to me - which they never did. I again had to follow up with them as I received yet another bill but this time was able to learn a little from this process. When I would call the bank and try to XXXX the account out - the bank would take payment for the past due amount but not for the interest and charged thereon which would then come out on my next statement thereby preventing my account from actually being closed. The bank was also very resistant to sharing information with me regarding my file and has left me in a situation where I do not have all of the facts I need to show them ( the bank ) that they need to resolve this matter. They have also told me that they are unable to communicate directly with the credit reporting bureaus once a report has been filed and I need to deal with them on my own to fix my credit score. 

When I called my home bank ( XXXX ) i was informed that the affiliation with XXXX XXXX XXXX XXXX XXXX had been terminated for similar complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: After purchasing TransUnion 'XXXX-Bureau Report ' product ( {$29.00} ) on XXXX/XXXX/16 I noticed TWO dates of birth listed under 'Personal Information ', both of which are incorrect. Unable to 'verify my identity ' ( with my actual DOB or the one 's listed ) I was not able to file an online disputeAfter calling each of my creditor 's to confirm the inaccuracy was n't reported by them, I proceeded to call each bureau individually to request a correction. TransUnion, after XXXX minutes on hold, forwarded me to a standard customer service agent who, though clearly reading from a script, instructed that I send a copy of my BIRTH CERTIFICATE in order to correct their own error. Not only do I view a BC as a private document not to be widely shared ( particularly with a corporation that admittedly sells consumer data ), I feel such burden on a consumer to correct THEIR error is absurd. Results with calling XXXX were almost identical, with the customer service agent demanding I send a copy of my social security card, which virtually no corporation anywhere has a right to demand. XXXX complied with my request immediately. Common sense should dictate it 's IMPOSSIBLE to have two birthdays. Yet TransUnion and XXXX insist on leaving them both on my report, even though they can not confirm WHERE this misinformation came from. This- maintaining information known to be inaccurate, is a specific violation under the Fair Credit Reporting Act. All I want is my Date Of Birth to be reflected on my report and for the incorrect entries to be removed immediately.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All four major credit bureaus XXXX, XXXX, XXXX and XXXX have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" Atlanta-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXXand XX/XX/XXXXof this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. 'XXXX XXXX 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 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted this company several times as they are reporting my closed student loans with XXXX/XXXX/ and dept of ed closed with XXXX balance which should be showing in good standing on my report. instead they are showing negative on my report. They are being held against me even though the debt has been satisfied and should be reporting positively

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 11/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting a credit card account on my credit reports that does not belong to me. I disputed the account with the credit bureaus and it came back " verified ''. I then sent them a letter on XXXX XXXX, XXXX ( please see attached ) requesting validation of this account and they responded with XXXX letters saying that they could not provide the information I requested ( please see the attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NC).
Issue: Problems when you are unable to pay

Complaint: One Main financial will not stop calling me at work. My AC broke and I had to repair it, and I am behind. I have told them repeatedly and hung up on them. I am not allowed personal calls at work and I keep getting in trouble when they continue to call me. I have spoke to the manager at my local office, XXXX, he was supposed to note my account, but they keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: To whom it may concern, I have several collection accounts on my credit reports from a company named Consolidated Recovery SYstems. The accounts are listed for XXXX XXXX and XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Consolidated Recovery Systems does not currently have a valid license to collect debts in Tn. The information is currently stating that their license is currently expired according to verify.tn.gov. I am requesting that you investigate the matter and immediately delete these accounts from my credit file or provide me with physical proof that Consolidated Recovery Systems are licensed to collect debts in TN. Your immediate response would be greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (WA).
Issue: Trouble during payment process

Complaint: Per Loan Servicer ( LoanCare ) 's instruction on PMI removal, I sent in a check in XXXX which the servicer cashed on XXXX. XXXX, XXXX as the payment for requesting appraisal for the updated home worth. Though promised to have written communication about this in 60 days, I 've not heard a thing from them. <P/>My concern is that it 's not in their interest to remove PMI as they should, so they deliberately cash the check and not doing anything as I pay monthly PMI during the delay. I feel my rights violated and being played by big loan company.

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 03/17/2017 about Credit reporting () with Real Time Resolutions, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: called XXXX they said the company shows included in BK and theres a XXXX balance BUT its still being reported as ( OPEN ) I said that is coming up as a Open Collection on my credit report when it was included in BK Ch XXXX and was discharged Ive wrote the creditor several times and called them they claim they do n't report on transunion but they do, they just put the BK in the ( comment ) area that a BK was filed it must be reported as closed once the bk was discharged, and there showing on my credit report all the negative, on the account which they ca n't do once discharged on BK Please help me with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I initially filed a dispute about this debt with all XXXX credit bureaus. I received a response saying that this debt has been verified, but I have no idea how. They have shown no evidence that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Already submitted XXXX complaint about harassing phone call from Bank of America. I also complained about them hanging annoying notes on my front door, and even specified no one from BofA is allowed on my private property. Last week sometime ( XXXX XXXX, 2015 ) someone form BofA hung another note on my front door, which means they are tresspassing! The next time I catch anyone on my property, I will physically remove them from my property and call the Police. Like I said the last complaint, Im not behind on any loan, and I DO NOT want any type of refinanance ( or other ) BofA has to offer ... PERIOD!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have recently disputed some incorrect information numerous times on my Equifax report. 
*XXXX # XXXX XXXX XXXX XXXX *Accounts- XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX Equifax has stated they verified all these accounts but the account details continue to remain inaccurate. 

I do not believe that they are verifying the information with the creditors listed. Each time they just add new information and it still is inaccurate. 
I request to be provided with the dates and ID # of the person at the companies who Equifax claims reported this recent update. This is affecting my ability to get a home loan and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX I made my auto loan payment in branch for Wells Fargo Dealer Services. I made my regular payment of {$250.00}, and an additional principal payment of {$1200.00}. When I received my XXXX statement, they had made 4 monthly payments instead of crediting my principal. I called on XXXX XXXX to the call center at XXXX to have my payment properly posted and was told it would take 3 days to complete. When I checked my balance on line on XXXX XXXX it had still been applied improperly. So I called again on XXXXand spoke with a XXXX who stated that he would get it corrected. On XXXX/XXXX/XXXX I checked my account again and it was mis applied once again and now showing that I owed a balance of {$28.00}. So I went into my local Wells Fargo Branch where they called in and spoke with someone who said it again would be corrected in 3 days. In the mean time, I made my XXXX payment of {$250.00} on line on XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX I made an additional principal payment of {$300.00}. When I received what should have been my XXXX Statement, they are now showing I have a past due balance of {$28.00}, Due on XXXX/XXXX/XXXX ( Statement date is XXXX/XXXX/XXXX ) with a late charge of XXXX due. SO on Friday, XXXX/XXXX/XXXX I called again and spoke with someone by the name of XXXX XXXX, who stated she was a supervisor and would get my account corrected and call me on XXXX/XXXX/XXXX. Not only did I not receive a call back, but I have now started to receive collection calls. When I called in this morning, no one could get me back to XXXX XXXX, in fact a " supervisor '' there gave me a phone number for her of XXXX which has been disconnected. And then proceeded to tell me my account is past due 25 days and if I dont pay them they will report this on my credit. All I have done is make my regular payments on time, and attempt to pay down my principal balance, which they are impeding and making my account past due with their " correction '' errors. Can someone please help me get this resolved before my credit gets impated over their inability to properly post payments? I tried to call another number and all they said was that they would send " XXXX XXXX '' an email to call me.

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