milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}.
Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.

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 08/20/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: received an offer that states 0 % apr for XXXX months then XXXX-19.99 % therafter/offer also states introductory rate on balance transfers applies through the end of the XXXX m, onthly billing cycle after the account is opened for all balance transfers requested within 60 days of account opening. Just opened the account last week called to do a balance transfer and was advised the rate was XXXX and then information that was sent to me was a misprint-that appears to be illegal to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with ERC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with this company MULTIPLE times where I was dealing with XXXX Directly. XXXX has informed me multiple times that we are handling this together. And this company keeps calling me and telling me I need to pay them. And they give all information over the phone, they even told my sister my social security number over the phone. REALLY!?!? That is not professional, what if she didnt even know me. They have NO BUSINESS putting this on my credit report as I am not doing business with them NOR do I owe them ANY MONEY!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with Debt Recovery Solutions, LLC (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: No such medical debt is owed for {$690.00} this is a mistake I tried to dispute with no outcome

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 06-08-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote to Equifax in XX/XX/XXXX, I asked them to Verify My account information, I had a Home Loan XXXX & XXXX which XXXX co. had reported Late FIRST in XX/XX/XXXX, I asked The Name & Contact info. to be provided, in XX/XX/XXXX, They stated it was verified, They Equifax also reported XXXX XXXX # XXXX they record high amount as {$9900.00} noted see copy of report says status charged off .. It is implied they charged off the whole {$9900.00} NOT accurate, The bureau 's refuse to verify information, they just send out canned letters hoping people will go away.. It is ok for them to post anything they want on your credit, The Law Says, The Credit Info. provider 's have XXXX days to provide corrected info. and its up to " US '' as consumers to provide Information, It is now XXXX days, they addressed Nothing.. The Fair Credit laws are clear, they do not intend on following the law. see copies to show how the information was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have on my Credit report showing that XXXX XXXX is assuming that i owe them {$3100.00} and also i have a collection account stating that i owe Diversified Consultants {$3700.00}. I do NOT owe any of these companies any money. This needs to be ceased and dismissed. I will NOT being paying anything to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ordered an internet service through XXXX XXXX XXXX and the service was disconnected after one month due to incomplete installation ( cable was cut by HOA, XXXX XXXX XXXX did n't bury the cable in front of my house ). 
I paid their service fee and returned equipment to Texas office and I do n't owe anything for them. 

When I call XXXX XXXX XXXX and try to resolve this payment issue, they transfer to different dept which is not relevant to this issue and try to waste my effort.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: BofA submitted, to the credit bureau incorrect info. During my refi process they tried to foreclose om me and they accused me of being late, when in fact I never missed a payment. I just did not pay the new amount which was more than I could afford, thus the reason for the refi. this process took over 2 years. Everytime I called my personal point of contact they had changed that person and I had to begin the process all over again. I need resolve here. They are affecting my ability to get credit. Account number ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: Received a letter from New Penn Financial NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX regarding an FHA Streamline Refinance. They wanted my SSN to pull a soft report. I declined, but they said it was necessary for them to work figures. Gave them SSN. I later found out that they did not have to pull credit and that the credit report they pulled was a hard credit report. I have requested the hard credit report be pulled from my XXXX Credit Report as I did not authorize a hard credit pull. New Penn employees are either not trained properly or a doing something against the wishes of potential clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with DISCOVER BANK (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Medical debt) with American Credit Bureau, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent a letter all 3credit bureaus for the credit collection agency, American credit bureau to validate that i owe this debt and the collection agency sent letter with black marker scribbled on it. I feel this is a HIPPA violation.

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 08/14/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: XXXX XXXX AND NATIONSTAR MORTGAGE ARE USING THE PHONE, COMPUTERS AND INTERNET SERVICE TO COMMIT THE THEFT OF FUNDS AND THE ILLEGAL FORECLOSURES OF HOMES .... WE HAVE 3 CONFIRMED, RECORDED, DOCUMENTED CRIMINAL ACTS TOTALLING OVER {$6000.00} MAKING IT A SERIOUS FEDERAL CRIME .... IN XX/XX/XXXX, AS PART OF A CFPB SETTLEMENT, NATIONSTAR AGREED IN WRITING TO ACCEPT A XXXX PAYMENT TO BRING THE ACCOUNT CURRENT. WE PAID THIS AMOUNT OVER THE PHONE ... AND NATIONSTAR ILLEGALLY LEFT A BALANCE ON THE ACCOUNT PLUS ACCRUING LATE FEES ON THESE ILLEGAL BILLS .... NATIONSTAR USED INTERNET FRAUD DURING THE SAME TIME PERIOD, XX/XX/XXXX, WHEN THEY PUT IN WRITING THAT THEY WERE NOT DOING A FORECLOSURE BECAUSE THEY WERE INVESTIGATING AND CONFIRMING LOAN ORIGINATION FRAUD ON THIS ACCOUNT. FOR THE PUBLIC RECORD, THIS LOAN ORIGINATION FRAUD WAS CONFIRMED AND NEVER CORRECTED, MAKING THE LOAN INVALID. NATIONSTAR DID FORECLOSE ON THE MISLED HOMEOWNER AFTER TELLING THEM THEY WERE NOT. WHEN THEY REVERSED THEIR ERROR, THEY ADDED A XXXX ATTORNEY BILL ... THAT IS STILL ON THIS ACCOUNT ILLEGALLY TODAY .... XX/XX/XXXX, NATIONSTAR WAS PAID OVER THE PHONE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. THEY CONFIRMED, DEBITED MY ACCOUNT ... BUT ONLY PAID XX/XX/XXXX AND XX/XX/XXXX. THEY TOOK XX/XX/XXXXTO PAY FOR THE ILLEGAL FEES THEY ADDED  USING WIRE FRAUD ... XXXX THIS PAYMENT WAS MADE DIRECTLY TO THE CEO ... XXXX XXXX ... MAKING IT AN INTENTIONAL CRIMINAL ACT AND THEFT / MISAPPROPRIATION BY THE CEO, XXXX XXXX ... XXXX WE HAVE REQUESTED RECORDINGS OF THESE CONVERSATIONS FOR OUR UPCOMING LAWSUIT AND FOR YOUR PROSECUTION BUT XXXX XXXX  REFUSUES TO COMPLY ... XXXX WE ARE WORKING DIRECLTY WITH THE CEO 'S OFFICE NOW SO WE HAVE CONFIRMED THIS IS A TOP DOWN CRIMINAL FRAUDMINVOLVING SEVERAL HIGH LEVEL EXECS ... .. PLEASE NOTE THAT NATIONSTAR HAS COUNTLESS COMPLAINTS OF THIS TYPE OF FRAUD. THEY ARE STEALING CASH AND STEALING HOMES AND XXXX XXXX IS KNOWINGLY VIOLATING NUMEROUS STATE AND FEDERAL LAWS .. AND FORCING EMPLOYEES TO ALSO BREAK THESE LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Lost or stolen check

Complaint: XX/XX/2011 I had 2 cd accts I used to have a cashiers check made to XXXX XXXX and XXXX in the amount of XXXX XXXX. since then i was made aware that the funds were never signed or cashed, nor applied to my house. i have proved to 5th 3rd that I had those funds and the agent from the bank all but called me a liar. I told her what I had and it as recently they admitted i had put the overage of the cashiers check into my checking account. I have not been with that bank in years and also the branch I got the check from doesn't exist because of the new bank that was built. I received absolutely no help from the customer service people and the VP office I made complaints to. I filed a complaint with the consumer 's protection site and the bank responded to me and not to them. No one from the VP office except one lady has called and sent me some paperwork. All she sends is information on my checking account. The bank has no copy of the check, i got no receipt, no one has signed or cashed the check. My husband will attest to the existence of the check, if he had cashed it he would not come home. XXXX states they never received the check. There was an employee of XXXX that heard my husband state he took the check to the XXXX XXXX, so did husbands girlfriend. 
I am/was working with XXXX XXXX at 5th 3rd who was rude, and various people that managed to be promoted or whatever. I am XXXX years old partially XXXX but trying to work and that money is missing and is all i have to show for working all my life I now have proof, thru XXXX XXXX, a paper XXXX XXXX sent about the other XXXX XXXX put into my checking account and a notarized letter from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was serviced by Greentree previously and than transferred to Ditech on XXXX/XXXX/XXXX. I have 2 complaints : 1. I realized I did not receive my XXXX when completing my XXXX taxes so I requested online. I received multiple letters telling me that they were " in the process of reviewing your request. Our research has not concluded. '' What research was needed for printing a XXXX to send? First week of XXXX, I received 1 letter size envelope and 1 legal size envelope. They both contained printed copies of 12 monthly statements rather than the XXXX I requested. It took 2 months to have 2 different people taking copies of my statements rather than sending me the XXXX? 
2. My last payment is due this month. I tried calling 4 different days and times to ask if the final payment needed to be mailed and to stop the auto payment. The recording indicated it could not process my request since my loan was recently transferred and it would take a couple of weeks to receive the paperwork. My loan was transferred almost a year ago ( in XXXX )! There was no other options given on the recording to speak to someone. It just said " good-bye '' after the other message. I went online to make an online payment. It did not work. At this point, I was in a panic so I went to USPS and mailed my final payment check for next day delivery ( paid {$27.00} ). My account shows the check cleared XXXX/XXXX/XXXX. However as of today ( XXXX ), the payoff is still not reflected on my account. 
As you can see, I made every effort to make my final loan payment. However, Ditech made it impossible to speak to anyone or make my payment on time. I believe this was way for them to show me delinquent on my last payment and to charge me late fees. Just like Greentree before them, it shows the incompetence ( sending monthly statements rather than a XXXX ) and the shady way of doing business ( to have my loan go delinquent and to charge a late fee ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Total Card, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved in XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and XXXX. Send them documentation XX/XX/XXXX. Now total card is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I have had numerous issues with XXXX. This particular issue is that as I am working to rebuild my credit following a bankruptcy, I have an auto loan that I had prior to filing my Chapter XXXX bankruptcy. I reaffirmed the debt and had to dispute with XXXX that the amount was n't in bankruptcy. After that was finally resolved, they continue to report that my account is closed. I have disputed this no less than five times, online, by phone and in writing. This is a company whose sole purpose is to fairly report credit and they had done absolutely nothing to confirm that my account is open and current or they would have accurately reported it. XXXX does n't seem to do any due diligence in trying to accurately report credit for consumers. Moreover, they have reported payments being made after my account was allegedly closed ( because it is still an open account ). This is just one of the recent problems I have had with Transunion. This is important to me as I am rebuilding my credit and having an open, current car payment loan is good for me and hopefully my next car loan wo n't be at 12 % interest when current interest rates are 3-4 %.

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 11-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is not a duplicate dispute : I filed a proper dispute with Equifax about XXXX ( XXXX ) reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I originally disputed these XXXX ( XXXX ) judgments with Equifax on XXXX XXXX, 2015. My dispute results are dated XXXX/XXXX/15 where Equifax states that the results for the judgments have been updated to " Satisfied/Released '' for both. I filed a second dispute with Equifax on XXXX/XXXX/15 through the CFPB stating that I was not satisfied with Equifax 's initial investigation into my case and I would like a re-investigation to be done. My second dispute results done through the CFPB where dated XXXX/XXXX/15 and where stated as follows : XXXX judgment Status - " Pending ; Satisfied '' and the other judgment Status - " Satisfied ''. The results were changed from the original dispute. But not removed from my credit file. 
I have checked with my XXXX County Texas Clerk of Courts office, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me. In my dispute letter, I asked Equifax to provide a Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has in no way verified the " existence '' of a recorded document. Therefor, I have gone to the XXXX County Texas clerks office my self and have acquired the proper paperwork as proof stating, signed and stamped with signatures a record search was done by the clerks office for me on XXXX/XXXX/15 with " no judgments '' of any kind found associated in my name. The record search paperwork from the Clerk office is attached. 

It is clear that Equifax has in no way properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file with incorrect information. 

Please note, The XXXX County Texas Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc. ) for XXXX County Texas. Attached is a printout of the public records system that XXXX County Texas uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included the website link to the XXXX County Texas website which shows that this website can be used to search XXXX County Texas public records ( collincountytx.gov ) and is a valid source to find these documents. This list shows all of the public records that exist in my name in XXXX County Texas, none of which are these XXXX ( XXXX ) judgments being reported in my credit file. I have also included the letter originally sent to Equifax with the original disputed judgments listed. Please have these XXXX ( XXXX ) judgments removed from my credit report.

Company response to consumer: Closed with explanation