milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: OnXX/XX/XXXX I received an email from XXXX  saying that I was denied credit because of factors in my Credit Report. On XX/XX/XXXX I received a second email from XXXX saying that an additional attempt to get a loan was denied. ( I never applied for ether of these loans and sent over a police report for identity theft after the first email was received. ) Upon receiving the second email, I tried to get a credit report from SageStream, the credit reporting agency that XXXX based their decision off of ... To verify the accuracy of my information in their report and to make sure that there were no hits from the two loans that someone had tried to open in my name ... 

After navigating to SageStream 's site, they requested that I mail or fax them copies of my drivers license / passport picture page / military ID card ( the last is a violation of federal law btw ) and social security card, with any of the following : - Recent cable, utility or telephone statement with your name and current mailing address - Bank statement with current address - Rental lease agreement showing current address - Voided personal check with your preprinted current address - Notarized letter from the your landlord confirming your current name and residential address - Mortgage statement with the current address. 

There is no way that I am sending hard copies of that information to anyone just to get a copy of my credit report, especially from a company that I have never heard of until now!

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 09/24/2015 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making regular monthly payments on an account I co-signed for on behalf of my daughter for the past five years. Private loan was with XXXX even though I always made payments to AES. I was given an account number and have used this same account number to pay on this loan. In XXXX of 2015, there was a transition between XXXX and AES and AES took over the full servicing of these loans. I continued making monthly payments as usual. My daughter also had another student loan with a different co signer. When this transition took place in XXXX, the payments that I was making were being applied to her other account and a portion was being applied to the account I was paying on. However, it appeared neither XXXX of us was making the full payment on either loan. AES reported late/missed payments to the credit companies which has severely affected my credit and that of my daughter 's. I provided proof of payment to them on the loan I co-signed for and have been making regular payments on for several years. AES said they switched account numbers and I was using the wrong account number. I was never informed they changed my account number. My daughter was not informed either. They claim they can not fix this. I have my house up for sale and want to purchase another home and because of their administration of their handling of these loans, I may not be able to get a new home loan. The customer service staff at AES will not help and if you talk to a different person, each time you get a different story. They are affecting the lives of people and have been rude and do not seem to care about their mistake. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with ProCollect, Inc (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Chapter XXXX bankruptcy relieved debt for Pro Collect, which is still reported as derogatory collections even two years after discharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: Possible Data Breach Equifax has failed to respond satisfactory within 30 days on response letter dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has repeatedly verified without yielding proof of verification in response letters dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has failed to reply to two letters asking for proof of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction. 

Equifax report has not added a line in regards to US Bankruptcy Court of Nevada dispute.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( who is in the information selling business ) is the furnisher of the information. Which makes this a situation of identity theft. The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. Do to the fact I was unaware of XXXX gathering my information for the transaction with Equifax. 

I am filing a complaint against Equifax for : Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA.
Documents have been filed for a small claims court case against Equifax at the XXXX XXXX Justice Court. I am seeking damages of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX of XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution. This is on my experian credit report file.

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 07/19/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a credit card with my ex-husband as co-applicant. When we divorced, he was taken off the card and the credit card company reduced the credit limit dramatically. On my credit report it lists the " High Credit '' as {$14000.00}. The current credit limit on the account is {$8000.00}. I do n't remember ever having a balance of {$14000.00} on the card. Is that the earlier credit limit when there were XXXX of us? Is this something that should be ( or can be ) corrected on the report? Does it affect my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They called and gave out all of my personal info without verifying who they were or if they were talking to the right person. They gave out my American address and last XXXX of my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a XXXX credit limit credit card became {$1100.00} the agency has refused to go back 3 months or take a settlement offer of XXXX and the least they would go is XXXX. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: I am behind in my car payment. I received a call from the company today. 
The date is XXXX/XXXX/16 and it 's a Sunday. I was told in the voice mail I received at XXXX to call them today until XXXX to discuss the issue. 
I called the number they provided but no one is there to take my call. 
They are closed on weekends, but had someone call me to tell me to call today, which makes no sense! I had attempted to call them on XXXX/XXXX/16 at approximately XXXX but received the same message, that no one was there to take my call. How can I resolve the issue if no one is there to take my call?

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Why is n't Diversified Consultant providing me with the information I am requesting? I am being sent instructions to fill out fraud statements but that is not my concern. If this is really my account, I need to see the supporting documentation that proves this is a debt I truly owe. I filed a dispute on  XXXX / XXXX /  XXXX   and I got the same exact answer I have been getting for months : " Fill out the attached fraud packet and mail it back to us. '' Neither I nor the CFPB have been provided with the information to support this is a valid debt. I specifically requested that validation of the debt be uploaded to this portal so the CFPB can conduct a closer investigation but once again, they are claiming to have " mailed '' it to my address. I have not receive a single document from this company and they continue to report this to my credit without being able to prove it is a valid debt. Not only that, in their letter they address me as " him ''. I am not a man, I am a woman and this is just another example of the scam this company is trying to play on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage company states i did not pay 5 months of my mortgage. I have canceled checks from Selene Finance. I called they would not speak to me. told me to mail or e mail a dispute. Meantime they are refusing my last XXXX loan payments saying is not the amount owed. I have submitted the email with cancelled checks, after XXXX more phone calls - customer service states takes 30 days to even review- meanwhile Selene Finance is putting derogatory remarks on my credit for late payments. This is not the first encounter with this company of fraud attempts to default my loan. unfortunately i am unable to refinance due to this company saying i am behind in payments. This company NEEDS TO BE SHUT down.. I am not the only person they mess with. I have researched numerous complaints very similiar to mine on the internet posting regarding this company. I do understand the CEO of this company once was partner in NY firm and attempting similiar issues. I do hope you can help and eradicate this company, and stop this fraud business.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (I do not know) with Premier Portfolio Group (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i have now received 2 calls from a " XXXX XXXX '' ( sp ) from a number I 've determined to be " Premier Portfolio Group '' who says they have " documentation '' in their office " pertaining to my name and social security number ''. They ask me to call back on a totally different number of XXXX. There are numerous reports of Premier Portfolio Group claiming to have payday loan debts and threatening action - I have called the only place I have ever had a payday loan and confirmed i have nothing outstanding and the last loan i 'd ever had was closed in good order in 2012 and confirmed there have not been any checks presented in my name. I have no outstanding bad debts or negative reports on my credit. They have also called a close friend of mine repeating the same information that they " have documentation in their office '' and i have no idea how they would ever have his number or why they 'd call someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Application, originator, mortgage broker

Complaint: My husband passed away in the fall of 2014. In the last two years, I have tried to work with Bank of America in order to assume the house loan. They have blocked me at every step and require me to start over every time. It seems as if they are trying to make me lose the house. All payments have been made on time but they will not help me put the house in my name so that I can refinance.

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 01/24/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On the XX/XX/XXXX I made a deposit of XXXX USD into an ATM machine of bank of America with the ID XXXX and only XXXX was credited to my account. 

The branch staff did n't try to help. I also called BOA 4 times and could n't submit a claim given no one was available for a period of 2 hours. 

I tried to submit a complain through their customer service department and they would n't give me a complaint number to follow up on.

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 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX    XXXX   XXXX   #  XXXX  Never  don  business with this company error please delete.    XXXX   XXXX   XXXX  #  XXXX  This was discharged in Bankruptcy and is listed wrong please delete.    XXXX   XXXX  #  XXXX  This account was paid and is listed wrong error please delete.    XXXX  #  XXXX  This account was  discharged  in Bankruptcy error please delete.    XXXX   XXXX  BANK #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    XXXX   XXXX   XXXX   XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    XXXX   XXXX  #  XXXX  This account was never verified please delete.

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 04/20/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: This is not the first time I have filed a complaint again st Discover Student Loan.  Back on  XX/XX/XX  I submitted a request  (  more like begging ) for help paying my private student. Then on  X/XX/XX  I submitted another request, this time I received an email from the "  Executive Office of Discover Financial  Services '' stating they are still working on my issue and I should hear from them again within 60 days -- - well 60 days have past and I still have not received any contact fro m Discover. Discover ha s no problem calling me about my missed/late payments however no one calls me back to help me ; why is that???? Can someone please help me lower my monthly payments? Can I modify my loan? Can someone please reach out to me?!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Medical debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: A medical procedure was performed while I was under workman 's compensation insurance in XXXX XXXX. There was a billing error and the insurance company never received or paid the bill for XXXX ( XXXX XXXX XXXX ). I was overwhelmed with the circumstances and unemployed by the time I received the bill. I did not pay the bill and the bill went to a collection agency ( XXXX ). Eventually that debt was picked up by Pressler & Pressler of XXXX, NJ. Pressler and Pressler 's attorney, XXXX XXXX XXXX, filed a Notice of Motion Turnover and seized assets from my bank account in the amount of {$1600.00} in XXXX XXXX. This was done through a Civil Action of XXXX XXXX XXXX vs. me. The original judgement was for {$4.00}, XXXX plus costs. I was unable to pay this bill or hire an attorney. In XXXX, when I found work again, Pressler & Pressler went back to court and filed a Wage Execution and continued to take money to cover the bill as well the fees they continued to create. Pressler and Pressler refused to communicate via email and always talked on a recorded line. Pressler and Pressler took over {$4000.00} of my money. I have recently called XXXX ( the company holding the debt ) they informed me that my balance is still unpaid. 

Eventually when I secured employment again and got my life back in order I called XXXX XXXX XXXX and they informed me they would have worked with me on the bill. That amount is what they charge insurance companies and rarely get the total amount so they also would have settled for less from me. XXXX XXXX XXXX is using a new computer system for billing and they are unable to produce the original bill for me. 

In the summer of XXXX, I found out that I was covered by workmans compensation insurance during the time of this procedure. The workmans compensation insurance company was willing to reimburse me what I paid out of pocket to Pressler and Pressler, but they needed to see the original bill. I have contacted Pressler and Pressler as well as the XXXX company and neither will provide the original bill for which they took my money. I am at a loss and feel extremely taken advantage of by Pressler and Pressler.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, 2017 I had checked my TU credit score whether I saw there are a few non authorized inquiries in my credit report, which do n't show on my other 2 reports. I contacted XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, all to get the run around on this issue and my other issue. My other issue being that I could n't log into my TU account to check to see if anything else was there that I should see. I was connected to reps and a supiervuour that all gave me the run around on both situations making them no help.

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