milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " EQUIFAX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted XXXX, EQUIFAX AND XXXX for removal back in XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Mailed a written request to Equifax to remove line items from Michigan XXXX XXXX and XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Equifax stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX in Michigan regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with BTH Management (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: When checking my credit unnoticed a collection account. I had never received any notice or phone call about this debt. My address is current because I have a mortgage and have had same phone # number for over  XXXX  years. At any rate, I did n't want to have any back and forth. I do not know anything about this debt nor do I believe it was mine. I paid this with the agreement they would delete account from credit bureaus. They have cashed check and are still sending me letters now to collect on an account that has been paid and they are saying it is n't. And i attempt to call and never get a representative. This is paid and was n't my account. This was to be deleted and has n't and now they suddenly are mailing me wanting payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed XXXX tax liens placed by the Idaho XXXX XXXX XXXX for taxes that I did not owe. This is damaging my credit tremendously. I should not have to pay the price for the Idaho XXXX XXXX XXXX overly aggressive and abusive actions. Transunions investigation left the items as accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2018 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: Information belongs to someone else

Complaint: contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE.

On XX/XX/XXXX I contacted Experian to request they remove this unverified account, have not received a response as of yet.

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 08/24/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Making/receiving payments, sending money

Complaint: My bank refused my check to an account that is from my bank. No one seems to understand what happened.Capitol One manages my XXXX Account.It is identified as a Capitol One Account, I called them to find out what happened and no one could explain. I was on the phone for an houreventually they wanted to do a conference call but the person was out to lunch. 
Then I was told to call back again. XXXX hours on the phone and no solution. 

The account is marked Advised. 

A report was made to credit sources and XXXX sent me a letter to advise that they had sent it to credit agencies.???? 
This is the letter that was sent to me online from the bank private mail.. 
Your payment to XXXX XXXX XXXX for {$290.00} on XXXX/XXXX/2015 wasrefused by the payee. This payee would not speak to a XXXX partyregarding the reason for the returned payment for the security of youraccount. 

We are in the process of issuing a refund to your checking account withCapital One. Please allow XXXX business days for refund to be applied ( excluding weekends and holidays ). 

We apologize for any inconvenience this may have caused. 

Thank you for banking online with Capital One, we appreciate yourbusiness and the opportunity to serve you. 

Regards, XXXXCapital One Online BankingI talked to XXXX XXXX but not to them and the bank and they said systems error maybe? What is this all about. If the bank has a relationship which is shown to be Capitol One, how can it not honor my check? 
Please advise. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with ARC Services (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX Cell Phone  $XXXX collection company is ARC and I have never had a contract phone in my life! I have always been with XXXX XXXX and I believe that this is identy theft.  I have had problems in the past with this.  I am not sure of the exact dates I believe the XXXX XXXX said it was in. 2013. I would like this to be taken care of.

Company response to consumer: Untimely response
Consumer complaint received 03/26/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Trouble during payment process

Complaint: I have been trying for over a year to have my escrow over payment of {$11.00}, XXXX be returned to me. I have called the mortgage servicer ( Shellpoint ) every month and have gotten no where. Each time I call, it is as if they never heard of my problem before. I have documentation of each call. Each call takes at least XXXX minutes and ends with someone ( who call themselves a manager ) will look into it and call me back. No one ever does. I am at the end of my rope and feel that I am at the mercy of the bank who could care less. I am not rich and really need that money to take care of my children. The details-my loan was at the time of the incident through Shellpoint ( this was the third servicer since I got my mortgage ). They paid XXXX county for my property taxes in XX/XX/XXXX through a third party XXXX. The payment got bounced back to XXXX because there was no money due. ( My accountant had already paid the bill through my personal check ). Shortly thereafter, my mortgage was again being transferred to XXXX. Now is where I get different stories from each person. Shellpoint says the money got transferred in XX/XX/XXXX to the new servicer XXXX to account number xxxxxxx ( this is an old account when this loan was previously with XXXX before it got transferred to Shellpoint. That account is closed. My new current account with XXXX is xxxxxxx. I called XXXX ( also every month without help ). They can not find that account anymore and do not have any record of ever receiving any payments to any account of mine. XXXX says they can not help me. I need to know more details about where the money went. So I keep calling shellpoint asking for details about the payment. They say they have to email the request to the payment research department. No one can call them. So every month I ask them to submit a request to research the money. No follow up is ever completed. So now I am stuck. I do not know who to contact to help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: at XXXX my social security check showed that it was in our account giving us balance of XXXX there was two pending charges of XXXX and XXXX which was subtracted to give us our balance of XXXX no other pending charges were shown. at XXXX on the same dateXX/XX/XXXX 5 hours later a new check for XXXX appeared a check forXXXX appeared ach debit for XXXX appeared we were assessed two XXXX fees then the ss deposit was placed as pending and the XXXX charge was taken out giving us a balance of XXXX chase bank changed the order of items coming in to account fromXXXX to cause them to create a negative amount in our account so they could assess us two XXXX charges. the check for XXXX and check forXXXX never showed up tell after the XXXX ss deposit was made. chase changed the order of the items to be able to charge us two XXXX charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2016 about Credit reporting () with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit acceptance account says late XXXX payments. That is not true. It was 6 months then there was a payment arrangement made with this creditor For XXXX per month from XXXX thru when the account was caught up. There was never a re written document to show with this payment arrangement I would be considered late for XXXX payments.

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 11/28/2015 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I set up a payment plan with Transworld Systems which included a monthly payment amount of {$65.00}. The agreement was signed by me on XXXX/XXXX/15. The letter stated the following : On XXXX/XXXX/2015, you agreed to enter into a Loan Rehabilitation Agreement ( Agreement ) with XXXX ( XXXX ). Once your loan ( s ) is/are rehabilitated : Your loan ( s ) will be removed from default. 
Within forty-five ( 45 ) days of rehabilitation, XXXX will request all nationwide consumer reporting agencies to which the defaultwas reported to remove the record of default from your credit history, and provide notice of the rehabilitation to the prior holder. 
You will regain eligibility for remaining deferments, forbearances and other Title IV financial aid. 
An eligible lender who purchases a rehabilitated loan must establish a repayment schedule that meets the same requirementsthat are applicable to other Federal Family Education Loan ( FFEL ) Program loans of the same loan type, and must permit you tochoose any statutorily available repayment plan for that loan type. This means that if your loan ( s ) is/are rehabilitated, there is apossibility that the required monthly payment amount will increase. 

The payments were automatically debited from my account for 6 consecutive months. I contacted Transworld XX/XX/XXXX to inquire about the payments stopping XX/XX/XXXX ( when I noticed ). They could n't give me a definite answer and wanted be to restart the paperwork all over again. When I continued to insist on a more definite answere, I was told that they could not retrieve the payments from my checking account due to insufficient funds. That statement was completely false and a dishonest practice on their part. I was never contacted by the company about my payments after XX/XX/XXXX and my account has always had the funds available to make the monthly payment arrangement. To insist that I restart the paperwork all over again after only 6 months on the plan is completely unacceptable and disturbing. At the time I signed the agreement, I was told by Transworld that I would rehabilitate my loan after making 9 voluntary on time payments. I thought this was reputable company until this situation happened.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (I do not know) with Solidus Group LLC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called CSS contacted my mother concerning a debt she did n't owe. We asked them for their address so we could send them a declaration of debt but they would n't give us their address.

Company response to consumer: Untimely response
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We. File. Bankruptcy. In. 2011. All. Been. Cleared. XXXX. It 's, from. Equifax. A. Credit. Card. For. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ad Astra has been falsely reporting information for 3 years. Ad Astra did not respond to a debt validation request within the time-frame as set forth by the Texas Finance Code and FDCPA. I have attached a timeline and PROOF in the form of USPS tracking and successful faxes. They have falsified dates with the intent to deceive. They have IGNORED Cease and Desist letters that I have sent. I have also disputed with Credit Bureau with no results. It is my assertion that the credit bureau merely take Ad Astra 's word and do not truly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We continue to wait for action by the lender on the shortsaleThey wont move forward and they continue to delay the shortsale its been almost XXXX months and they have an appraisal value of {$25000.00} and are sitting on a cash offer of {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (OR).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all   XXXX   bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted TransUnion,  XXXX  and  XXXX  to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Robo calls to my home phone XXXX XXXX XXXX looking for XXXX XXXX .... I have no contact with XXXX XXXX and want nothing to do with these calls. I followed prompts to enter my number to verify that I was not the person they 're looking for and the calls continue each and every single day from Credit Protection Association - most recent # call came from is XXXX. I am on the Do Not Call registry, owe no debts and want the calls to STOP please. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Trouble during payment process

Complaint: carrinton mortgage started servicing my loan XXXX XXXX from XXXX XXXX XXXX I was in default and now am paid up as of XXXX/XXXX/XXXX with help from homekeepers program the bank was supposed to recast the loan and give me statement on disbursements on how the monies were paid out as of now they have not given me a statement on what my monthly payment is supposed to be 1 letter said {$2300.00} the 2 said {$1600.00} the website says {$810.00} and someone I spoke with said it is {$1400.00} they just received {$50000.00} to bring my payments up to date so I was not in default and lower my payments so it was more affordable and my payment is due by XXXX/XXXX/XXXX and they are not giving me a straight answer on how much my payments are and it is putting me in a situation of being in default and I was told that they are not going to send me a statement or payment coupon and they do n't have to. 
they are also not endorsing an insurance check from XXXX under payment which I had to have a third party neutral review despite their policy clearly state as long as I am currant and the check is under XXXX send it in with the adjusters report unsinged and they will endorse it and send it back I sent in all of the documents as well as invoices and proof of payments,3rd party recommendations they also sent an inspector who said it was 100 % they sent the check back unsigned and altered it by stamping the front they have only had loan for 4 months and I feel they are trying to make me default on my loan

Company response to consumer: Closed with explanation