milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Equifax,  XXXX , and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are one in the same, but neither one can help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at least five times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from ALLIED INTERNATIONAL CREDIT CORP stating that I owe money to XXXX. They also stated that the debt would increase if I did not pay this " debt ''. They use 3rd party tactics to pay the debt, Check, Money order, XXXX XXXX. I have not used XXXX in years and do not owe anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX my XXXX at work. I could n't work any longer because I had difficulty standing & walking. The current mortgage & second mortgage that I still owe today are more than what they should currently be. The reason I say this is I have proof that the Insurance company ( Mortgage Protection Insurance ) I took out as backup in case I got hurt or fell sick would pick up my payments for five years. They were a big help to me as I am XXXX & can no longer be employed. My contacting you is this reason as follows. From the time of my being XXXX & not able to work the ( MPI ) paid directly to the first & second mortgage holders. On XXXX XXXX, XXXX said first mortgage balance bill was for {$72000.00} & second mortgage was {$8600.00}. Meanwhile I got a letter from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that the money they paid in to date for the first mortgage was {$41000.00}. And the second mortgage paid to date from XXXX XXXX XXXX XXXX paid {$7700.00}. My question to you is this if the first mortgage from CitiFinance ( XXXX ) XXXX on XXXX/XXXX/XXXX balance of {$72000.00} - {$41000.00} from XXXX XXXX XXXX XXXX ( XXXX ) XXXX paid in to date, gives me a balance owed to CitiFinancial of {$31000.00}. CitiFinancial states I owe them {$67000.00}. The second XXXX the same thing, I owe CitiFinancial to which they sold the second mortgage to XXXX, {$8600.00} - {$7700.00} that XXXX XXXX XXXX XXXX paid in to date ( payments for 52 months & said bill from them state that I owe them to date, {$6700.00} & I, under the DRS care to prove this ) balance should be $ XXXX.Current balance for CitiFinancial billing XXXX for the first mortgage owed current {$67000.00} & second mortgage currently owed to XXXX {$6700.00}. Why do I owe these mortgage companies this much money when XXXX XXXX XXXX XXXX paid CitiFinancial {$41000.00} & XXXX XXXX {$7700.00}. My balance should be for CitiFinancial {$31000.00} & {$980.00} for XXXX..With my totals of all the money XXXX XXXX & XXXX XXXX XXXX XXXX accounts of {$32000.00}, I am being overcharged {$41000.00}. All interest charges during this duration was waved because Im XXXX. These companies applied payments from XXXX XXXX XXXX XXXX directly to their interest which should of reflected a whole lot more paid down each month & practly nothing put to principal. When they get this kind of money from the insurance company, why do they pocket everything & it only reflect the very little interest paid in & the bill never goes down.I have questioned them on this before & I could n't get a reasonable answer. I feel I have been ripped off. These people are not the greatest ones to communicate with. I 've had issues with them & their practices. Can you check on this for me. I am on a very limited budget being on XXXX & all. I was going to get a lawyer but I was told I should contact you first. I really need a miracle if you got XXXX for me please! thank you XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: CHECKr, is the company that has been providin g OLD information about my driving record to the   XXXX   XXXX   that I currently   XXXX   for, or have applied to. They are reporting information that is over 10 years old!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PNC Bank N.A. (OH).
Issue: Other service problem

Complaint: My bank takes forever to send info I want them so send info faster

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion on 3 separate occasions via CERTIFIED MAIL, FAX AND MY FINAL ATTEMPT WAS by PHONE. They will not assist me with unknown inquiries on my report. I am requesting they remove these inquiries from my profile ASAP.

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 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was originally serviced by XXXX XXXX. Midland Mortgage purchased the loan more than a year ago from XXXX XXXX. 

When the loan was sold, I was in a repayment program with XXXX and never informed of any change until I called in to make a payment. Once I received noticed the loan had been sold I had to go through the series of steps needed to begin an agreement with Midland. This was a nightmare just as dealing with XXXX was. Despite the difficulties, I provided all information needed and was approved for a new repayment program. It should be noted that over the course of both repayment plans I have lost thousands in fees. 

I completed the program successfully and months later received notice that my payment would be increasing from $ XXXX/mo. to $ XXXX+/mo. due to XXXX not adjusting the escrow. At the present time, the monthly payment requested is around $ XXXX+/mo. I ca n't afford that nor am I responsible for having to pay an increase to the owed amount. 

The escrow had to be adjusted since it was no longer a primary residence. I was n't aware of this until much research and agony discussing with Midland. Despite XXXX being the main culprit, I had to submit an application to Midland for my repayment program that one of the questions asked if the residence was tenant occupied and not my primary residence to which I clearly answered " Tenant Occupied ''. Midland provided me with an agreement ( a legally binding contract ) that I agreed to after reviewing my application. I completed it. Now Midland wants nearly {$10000.00} of additional escrow money. 

This is money that was owed ( unknown to me ) before Midland purchased the loan. Midland did n't do their due diligence and now want me to pay for their ( and XXXX 's ) negligence. 

I do n't see how I should be on the hook for something that I had no idea i was responsible for. I am not a mortgage company. I am a consumer. I pay what is requested. I only became late after losing my job and worked extremely hard and very responsibly for several years to keep this house while I could have foreclosed and added to the housing markets troubled volatility. 

I never made a payment late to Midland since they purchased the loan until now. I refuse to pay them as this seems fraudulent, corrupt and completely disrespectful and unethical in regard to the repayment program Midland agreed to. 

I am seeking my monthly payment be returned to its prior amount and once I make my next payment, having the missed months put back into the loan along with no negative remarks on my 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 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery P\provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Settlement process and costs

Complaint: XX/XX/2016 started loan application with CashCall Mortgage. By XX/XX/2016 I had provided them with all requested documents. The appraiser they selected cam out XX/XX/2016. The agent was telling me he had locked our loan at 3.625 % no fees and cash back loan 30 yr fixed. Said he needed all docs signed and sent back. I informed him he had not sent me anything. He tried to send them by XXXX XXXX, but said they were having problems with the software. The processor was able to send them to me and we electronically signed them and got confirmation from her that she received them the same day XX/XX/2016. The agent then calls me and tells me they are not going to fund the loan because the lock is going to expire and I did not get them the docs back in time. They sent us a XXXX with the same docs that we signed electronically, and we sent it back also the same day. I argued and asked to speak to his manager. That has never happened, and our loan has not funded. I am extremely upset about this. I need some help to get this loan funded. Closing Disclosure dated XX/XX/2016 signed the same day. Closing date was to be XX/XX/2016 and Disbursement Date XX/XX/2016. Please help.

Company response to consumer: Closed
Consumer complaint received 04/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian keeps reducing my score by XXXX points due to a late payment and I have no recent late payments I have to spend an hour on the phone once a week to get them to correct they keep doing this because I am disputing an item that they should was late almost 2 years ago

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 11/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 CFPB : Bank of America took my ARM Notices of Interest Rate Change from XXXX XXXX XXXX, XXXX, IL XXXX. I need Bank of America to return all those to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 12-07-2017 about Debt collection (Auto debt) with Patrick K Willis Company Inc (LA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MD).
Issue: Taking out the loan or lease

Complaint: XX/XX/XXXX or XX/XX/2015, I referred my mother XXXX XXXX to apply for a personal loan at OneMain Financial in XXXX XXXX, MD. There telephone number is XXXX.My mom 's loan was approved. Also, I have been a customer with this company for approximately 3 years and have referred others to the company. My mother called to inform me that I can be rewarded for referring people and I would receive {$100.00}. When my mother informed me of this, in XX/XX/XXXX or XX/XX/XXXX, I contacted the company and spoke to XXXX XXXX. I asked XXXX XXXX if I could be reward for my mother 's referral. XXXX XXXX stated that normally it has to be done at the time the customer completes the receives the funds. However, XXXX XXXX said that she would contact her manager to see if they could give me the offer. XXXX XXXX called by back to say that she was going to do it this time but in the future I would have to give my clients a number ( she provided me a number ) so that I could receive the {$100.00} for referring them. On XX/XX/XXXX, I contacted XXXX XXXX asking the status of my {$100.00}. XXXX XXXX told that that since it was too late she could not do it. HOWEVER, IN XX/XX/XXXX SHE TOLD ME THAT SHE DID IT AND IT WILL TAKE 6 TO 8 WEEKS TO RECEIVE THE CHECK. THIS IS FALSE LIES TO A CUSTOMER AND POOR CUSTOMER SERVICE. WHY XXXX XXXX NEVER CALLED ME BACK TO SAY THAT THE DECISON HAD CHANGED. YOU MEAN TO TELL ME THAT {$100.00} WILL HURT THIS COMPANY MUCH AS I HAVE BEEN AN CUSTOMER AND MY FAMILY. I FEEL THAT ONEMAIN SHOULD AWARD ME THE {$100.00} SINCE XXXX XXXX STATED THAT SHE PROCESSED THE ACTION. IT IS UNPROFESSIONAL TO RUN A BUSINESS TELLING CUSTOMER FALSE INFORMATION. IT IS NOT GOOD CUSTOMER SERVICE FOR ME NOT RECEIVING A FOLLOW-UP CALL TO INFORM ME THAT THE ACTION WAS REVERSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: There is a prior CFPD complaint ... unresolved concern ... .I have a credit card XXXX that was reported on all three Credit Bureaus XXXX , XXXX & Transunion . Having a revolving charge card, that is paid appropriately is an additive to booster the my credit score. Transunion Credit Bureau deleted XXXX ..all XXXX data relating to me for my Transunion Credit report XXXX There was small discrepancy, I disputed on XXXX history, this resulted all of the XXXX card business to be deleted. The other two Credit Bureaus deleted the small bit of disputed data. Transunion action results in a lower score and higher interest rates, costing us thousands of dollars. We are livid.

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 11-10-2015 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Billing disputes

Complaint: Tried to resolve dispute with XXXX XXXX ext. XXXX, she stated 60 days for dispute to be resolved treated in a Discriminatory manner, by XXXX XXXX. Also purchase Credit Protection on XX/XX/XXXX. Spoke with XXXX XXXX, conversation at XXXX est on XX/XX/XXXX will show XXXX XXXX discriminatory manner.

Company public response: Company 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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that  I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Please resolve this issue as soon as possible, 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 07-05-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I originally contacted XXXX XXXX to settle the debt and they said to go in when on the phone when I did sthey recanted and sent it to a collection agency that never sent me anything, I did have medical insurance that should have been billed and they never did. Now I have a debt of almost {$6000.00} that they expect me to pay. I have disputed this and requested that they send me something in writing of that account through the credit bureua and all I got from the credit bureu was that its valid with no proof the individual at the credit agency said we dont contact them just run it through an electronic system.

Company response to consumer: Closed with explanation