milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX XXXX. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with XXXX  and by phone with XXXX with a rep named 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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXX I received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXXXX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.

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 Debt collection (Other debt) with Hillcrest Davidson & Assoc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Hillcrest-Davidson about a prior accountant that I had with XXXX XXXX XXXX. The previous contracted had been fulfilled and I was no longer paying XXXX. I was never sent any communications from XXXX about any kind of auto renewal, which the representative at Hillcrest repeatedly keep referring to as she was talking over me and never letting me get a word in to explain. I was contacted again by a second rep after advising the previous to never call me again that the debt was fulfilled and paid. The second rep began to badger me from the very beginning of the conversation. They called me on a phone number that was never given to XXXX as a contact number. It was a mobile phone that I use strictly for business. When asked how they got the number I was told that " it does n't matter how we find you. You need to learn to pay your bills ''. At this point I was extremely upset to be disrespected and badgered. I gave the representative a very good piece of mind and immediately hung up. I believe these tactics are not condoned by the FCRA. I request that you have this company delete their presence from my credit bureau and correct my reporting and score. My credit was very great until these predators came along. I was also never given any written verification of the contract with the auto renewal or any correspondence from either company. I was called out of the blue. I still have not received any written verification of any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (I do not know) with EQUIFAX, INC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from Equifax stating account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with BARCLAYS BANK DELAWARE (RI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a XXXX XXXX XXXX Card with a {$0.00} balance. XXXX apparently decided to switch their business to XXXX. I did not want a XXXX nor did I receive one. Several months later in XXXX 2016, I received a bill from XXXX XXXX for XXXX. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, XXXX XXXX did ( I recd no bill from them ) and then XXXX XXXX transferred the charge to their XXXX. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the {$40.00} ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported me to the credit agency. Not only that but they had once again charged me late fees and interest even though I did not have a new account number to send the {$40.00} to. Once again I called them and asked to speak to a supervisor -after telling me that they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the {$40.00}. 
I have now paid the $ XXXX however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer. 
I want my fee refunded and my credit report cleansed. Thank you

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 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is putting unverifable information on the credit report. This information is incorrect and untrue and unlawful. I am requesting an immediate removal of this account. I am attaching my recent credit reports

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 07-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My former mortgage company was bought out by Ditech effective XXXX, 2016. I called Ditech to set up automatic withdrawals on the XXXX of each month. XX/XX/XXXX and XX/XX/XXXX, both withdrawals were n't taken until the latter part of the month. Somehow Ditech applied the XX/XX/XXXX payment towards the principal only, claiming I made two payments in XX/XX/XXXX. Not! XX/XX/XXXX, I cancelled the automatic withdrawals, and made an electronic payment online. Ditech claims they never received my XXXX payment. They even withdrew my capability to make an electronic payment after that. I filed a dispute with Ditech on XXXX XXXX, and attached my XX/XX/XXXX checking account statement, indicating Ditech 's withdrawal in my statement. I wrote a personal check for XX/XX/XXXX and XX/XX/XXXX 's mortgage payment. The XX/XX/XXXX payment was acknowledged, and I am awaiting the XX/XX/XXXX acknowledgement. In the meantime, my stellar credit score went down XXXX points! Ditech strips you of your dignity and intelligence. It is my hope that I receive more than a rote automated response from Ditech. How can they NOT take responsibility for their errors, when the evidence is clearly there? My next step is to contact an attorney and see that Ditech does not continue to thwart their responsibilities as a reputable loaner. This is just the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Payday loan () with Red Cedar Services, Inc (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Received a loan on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX XXXX of {$150.00}. They want a total of {$850.00}. XXXX repayment. That is 780 % interest. I am unable to make the payments due to XXXX other advances I have. 

Recieved a loan on XXXX/XXXX/15 From XXXX XXXX XXXX XXXX XXXX of {$350.00}. I have paid them {$970.00} so far and owe a balance of {$420.00}. 

Received a loan from 500 Fast Cash XXXX XXXX XXXX of {$500.00}. I have paid them {$550.00} so far and owe a balance of {$250.00}. That 's 377.59 % interest. 

I was desperate at the time. I had now other way to pay rent. I am on XXXX and can not afford to pay them what they are asking. I tried to work out a different payment plan with them and they refuse to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 AM A VICTIM OF IDENTITY THEFT AND I SENT THE FIRST LATER ON XX/XX/2018 TO. ATTACHED WITH MY IDENTITY OF THEFT REPORT REFERENCE ID # XXXX  WHICH STATES CLEARLY THE ACCOUNT THAT WERE COMPROMISED AND HAD FRAUDULENT ACTIVITIES ON THEM.

THIS IS THE ACCOUNT THAT I NEED REMOVED ASAP : XXXX 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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AR Resources, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A R Resources put this medical account on my report without first following proper Fair Credit Reporting Act. Specifically, I had Health insurance during the time in question. The bill should 've been sent to the insurance company, instead of just putting it directly on my credit report. AR Resources failed to first contact me in regards to resolving the matter prior to putting it on my credit report. I did not receive anything pertaining to this bill. I got notice when running my credit report. Please remove this account. 

Moreover. AR Resources had the account as closed, then reported it as an open collection. Please remove this from my XXXX and XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  All Banks   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX      XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg.   Agencies  XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX    Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    Miscellaneous Reptg.     Agencies  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg . Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Complete Dept. Stores   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Credit Unions   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX     Auto Financing   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.    XXXX   XXXX  FLA    XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    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 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (IN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax : I 've been trying for over a week to place a credit freeze on my Equifax credit report due to the recent credit breach of their systems. My complaints are : - Their online portal is not working/will not process my request - They have eliminated any phone numbers reach a service representative from their web page. All of the phone numbers point to IVR (  automated phone systems ) that end up disconnection your phone call - When I finally found a legitimate phone number to contact a service agent ( ... I had to log into their web site through and old account I had with Equifax ) and called, the agent would not process my request and told me my only option was to call back during the work hours of XXXX. 

Placing the credit freezes through XXXX and XXXX each took less than 10 minutes to process ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous chexsystems listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian.com fails to inform applicants of the automatic monthly fee into a forced subscription/ membership. This was my experience upon utilizing Experian.com to obtain my credit report, which I paid for that via online. Please note this was my first inquiry on my own, which I am entitled to obtain for free, however I paid for it and received it. What I did not authorize was to be automatically enrolled into additional services I never requested. Furthermore services for their fee was never provided, I did not receive any assistance for credit issue however they obtained a total of {$79.00} ( XXXX payments of {$9.00} ). This is a hidden and deceptive practice this credit company forces their clients into. Please note I did pay for my credit report but was unaware of the monthly {$9.00} monthly subscription. Experian.com unlike its competitor XXXX does not ask for a credit report, this is something all credit companies should provide for free since a consumer is entitled to XXXX credit reports a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone is using my credit cards and is opening up new credit cards and bills

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 09/19/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continued calls with a message that says they are from the " Legal Verification Department ''. They state in the message that legal papers will be filed this afternoon. I have spoken with them and said that the debt is 17 years old. 
The phone numbers that they left me are XXXX and they called from XXXX. I have been receiving these phone calls at home, cell and now they have called my workplace. 
The debt has been discharged and no longer appears on my credit report but they keep calling. 
This is harrassment. When I have told them not to call me that use profanity and get abusive.

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