milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 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: During the past 2 years I have applied for one and only one credit card with XXXX XXXX. Despite disputing the other unauthorized inquiries they remain on my report. The unauthorized inquiries include XXXX XXXX XXXX dated XX/XX/XXXX. XXXX CA dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX auto dated XX/XX/XXXX. I never authorized the latter 4 inquiries at any time. The most offensive to me is XXXX XXXX XXXX whose offer I declined yet a hard inquiry survives their declined sales pitch. Also XXXX XXXX who I investigated and discovered is a Maryland based Car dealer. I live in Florida and have ever had a car loan in my life nor inquired about one ever .If my SS # was ever used to buy a car in Md. that is identity theft, never, mind their location in Maryland. XXXX Assured me they would remove this, but never have. I have not even been in the state of Maryland in over 5 years and certainly never car shopped there.

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 06/17/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have sent Ad Astra XXXX certified letters and XXXX email requesting they cease all contact with me. I have asked them not to contact me at work yet they continue to call my place of employment. They are violating my rights an I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My Complaint with Experian is regarding the reporting of negative information on my XXXX account. The negative reporting is damaging my credit and Experian is allowing them to continue to damage my credit, due to Unfair reporting on the part of Experian. I feel that if credit reporting agency Experian is not reporting the XXXX account correctly. I have numerous disputes to Experian regarding XXXX 's incorrect reporting of the XXXX account. In an earlier dispute Experian agreed to investigate the issue and update my credit report but instead I received a response from a rep. that whatever XXXX reports will be on my credit report, I think this type of action is bias and discriminating when you do not consider all parties involved and to fairly weigh the evidence, as a result it has severly damaged my credit. In past disputed to Experian I sent in documentation of a forbearance period where no payments were expected or postponed, but I still made payments.letter from XXXX stating that the dates were I was suppose to make payments on the account. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical, 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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by XXXX Mail. I also sent XXXX checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with Atlas Credit Company, Inc. (TX).
Issue: Struggling to pay your loan

Complaint: I am on a fixed income and have attempted to pay the loan. At this time I have asked them to not contact me through a cease and desist letter. They continue to harass me and my family. I am requesting that they stop the harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX I received a collection notice that I owed {$210.00} to a dentist. On XXXX/XXXX/XXXX I called the dentist 's office and inquired about this, they know nothing about this collection company and they said my account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Settlement process and costs

Complaint: Some years ago I was paying XXXX a month and went to refinance I was told it would be XXXX a month. When the settle date came the officer came to my house she was from a service. The rate was a lot higher at XXXX I called the bank rep and he said go ahead and sign it will be the XXXX it never did and I could get nothing from him. It killed me and caused me all kinds of financial hardship. I have not been able to make a payment after the XXXX a month drained me. I have been in bad health and have XXXX. The bank was indymac, XXXX, XXXX and someone else. I paid a lawyer who stole XXXX promising me a loan mod & gt ; Mortgage lawyer XXXX was the name. I also went through XXXX XXXX XXXX XXXX 3 times i did the paper work and they had me redo it it was totally finished and submitted by a hud rep XXXX XXXX. I did it a 4th time with XXXX XXXX it was totally completed and then they said we had to redo it because the bank changed. I was scammed into the mortgage and the appraisal on my home was inflated. I asked about it and they said it was ok. I am a minority XXXX and this is not fair. I believe the lender was also racist as I could and should have qualified for a loan mod. I am trying to have a short sale now and have a lawyer but I am not sure what this one really is doing. I have lost a ton of money and can not even pay. I just want this nightmare to end. I tried several times to find out what legal action I could have and was turned away. Seems like people of color always are. I need help what was done to me is wrong I have been bankrupted and almost divorced. It has been hard to sleep or live for years. I have been threatened and embarrassed to the utmost a man came to my house at XXXX one time and taped papers to my door. I have not paid and I was promised a trial mortgage by my crooked lawyer who had me list the house and then tried to buy it in short sale but i would not sign when i found out he was part of the deal. XXXX, Indymac and whoever else isaoa has been horrible to deal with. I think they just want the house. I have kept it up hoping that i can get somekind of relief. I want to pay but not XXXX a month its not fair and is criminal i have been in contact with the bank and feel they are racist and do not want to help me .Please help me Please this can not keep happening to people of color in this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with Media Collections, Inc (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 XXXX from XXXX XXXX XXXX called to inform me that I owed for the newspaper that I never received. Now I 'm receiving a collection letter from them.

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 10/23/2015 about Debt collection (Credit card) with BANCO POPULAR DE PUERTO RICO (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. 
( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. 
( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. 
( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Firstly it was very difficult to file a dispute because experian kept pointing me to some form online which, at the end of filling all information said that it can not file the complaint due to an error at that time. Finally i called them for hours on the phone and mentioned that i am an ID fraud victim and need to rectify information on my credit report. Thenafter there is a collection agency account which needs disputing so i filed a dispute. Experian agent asked me to upload a supporting document and i did provide supporting document from original creditor XXXX XXXX XXXX which said that i do not and did not owe them any money and it was not supposed to be reported on my credit account. I have attached the same document which clearly states i have no liability. Yet experian and the creditor did not take it into account, there is no mention of it in any explanation provided and the collection account unfairly remains on my credit report. Please see the attached evidence i provided to experian as well. 

Secondly, my credit score drastically reduced by 23 points on XXXX XXXX 2018. I have no drastic changes in payment accounts, no new loans, no such changes to make it drop. There is no explanation from the company and other beuros havent dropped my rating. So i am unable to get any response or explanation of sudden credit drop from experian. It has been very difficult to work with experian and it does not care for consumers at all.

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 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I never had a XXXX account of my own. My cousin had opened the account in my name using my social security number that he stole from 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 explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (I do not know) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calling for someone that does not live with me and never has.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.

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 01/20/2016 about Debt collection (Credit card) with Northstar Location Services, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called my employer on their personal cell phone number and company number. Talked about my alleged debt with third parties numerous times. Contacting anyone they assume is a relative and harrassing them also.

Company response to consumer: Closed
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: TRS sent us a letter stating we needed to pay a XXXX fee for a check that was not honored at XXXX. We had plenty of money in our account. Apparently the FTC already fined them XXXX XXXX for ripping off people with this scam. Our bank never received a check from them. They never presented the ck for payment. I pray they do not damage our credit. This has got to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have several collection accounts on my credit report from XXXX XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a valid license to collect debt in the state of XXXX XXXX XXXX according to New York Secretary of State. I am requesting that you delete these accounts from all credit bureau agencies immediately due to a non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (VA mortgage) with MORTGAGE LENDERS OF AMERICA (TX).
Issue: Credit decision / Underwriting

Complaint: I contacted Mortgage Lenders of America and was immediately put in contact with XXXX XXXX. He was very friendly and helped get all the paperwork set up after we found the house we wanted to buy. My main concern was the closing date. XXXX informed me that a XXXX XXXX, 2015 closing date was more than achievable. After I signed all the paperwork he required, he sent the loan to his company 's ( Mortgage Lenders of America ) in-house underwriting. This is where it all goes down hill. For XXXX weeks I have been proactive with my communication. XXXX continues to say that his hands are tied because he does not control the underwriting process, which I understand and believe. The problem is communication. We were supposed to close today, per my signed contract ( XXXX XXXX, 2015 ), and I have been informed that the closing will have to be pushed to XXXX XXXX, 2015. The only excuse for this was, " the underwriting department is behind ''. How is that in anyway acceptable? I have already scheduled the movers based on the closing date in the contract. They can not change my date because their next available is not until XXXX. I already contacted the cable company who is shutting off my cable and internet tomorrow based on the closing date in the contract ( I 'm currently an XXXX, so that is added stress ). I have forwarded my mail to the new address based on the closing date in the contract. I have had to push my start date for my new job out XXXX week, which means I am losing XXXX dollars because of this delay. Also, I now have to budget for a XXXX week stay in a hotel, on top of losing XXXX dollars from my new job. In an attempt to get more answers and possibly accelerate the process, I contacted a team lead/manager at Mortgage Lenders of America. I was placed in contact with XXXX XXXX. He reverberated the " underwriters are behind '' motto and stated that I should just be patient and make arrangements for a XXXX XXXX, 2015 closing, once again not offering a valid explanation, nor taking into account the major financial and emotional inconvenience placed on myself and my family. He gave me the phone number to his boss, the Director of Loan Origination, XXXX XXXX, and I asked my realtor to contact him. My realtor called the number we were provided and there was no answer. He did leave a message, but has not received a call back as of yet. There must be some type of accountability held and repercussions placed on companies that put families into these types of situations.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In my previous correspondence and details of letters sent and no replies given by Wells Fargo Home Mortgage. I again have received another letter from an additional state agency. This letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX to my home since purchase in XXXX. This letter from State Foreclosure Prevention Fund, states. Your mortgage company may have informed you recently that you were late on your mortgage payment. If you miss a payment or payments, you XXXX be facing foreclosure on your home. I want you to encourage you to TAKE ACTION NOW to prevent that from happening. It includes the toll free telephone number/email address ( XXXX ) XXXX /www.ncforeclosureprevention.gov, signed XXXX . XXXX XXXX, Manager, Foreclosure Prevention Program. 
This letter comes on the heels of numerous correspondence sent into CFPB and directly to the XXXX portal and Wells Fargo Home Mortgage Executives and CEO 's. All while receiving robo responses and additionally responses to CFPB, stating they ( Wells Fargo Home Mortgage ) are unable to make contact with me. In all correspondence I include my home address, direct telephone number and email address. So to allege that no contact can not be made is categorically false. The semantics displayed by Wells Fargo Home Mortgage has now risen to a laughable level. All while never requesting the factual receipts and records of deposits by myself. It is my hope with the newly appointed point of contact, that Wells Fargo Home Mortgage could take steps to settle how they applied my payments, rather than send disparaging information to foreclosure prevention bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 in contact with all three credit bureaus and collection company XXXX XXXX XXXX c/o XXXX XXXX since XXXX XXXX, 2016 with no success ; XXXX XXXX XXXX is currently reporting invalid information to credit bureaus agencies I have never rented an apartment from XXXX  XXXX ; I have request Debt Validation and verification on numerous occasions neither companies have replied. Have filed formal disputes with all three credit bureau agencies and somehow they keep sending results back verified. How can they get in touch with anyone when I am using the same contact information listed on reports the phone number is valid the address I am believe to be accurate because no mail has been returned. I know this is not my account and if XXXX can not furnish information to submit debt within 30 days they need to stop reporting/ verified inaccurate information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My credit report was given to a company and marked as a hard inquiry on multiple separate occasions when the creditor had not bearing or rights or permission to have full access of my credit report. I ask that these be removed from my credit report as I did not authorize access to a full credit report to be obtained by the following companies! 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/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 explanation