milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know about this debt at all. It says I owe {$690.00} against XXXX XXXX XXXX XXXX apartment, however I do n't know of any amount which was due at the time of vacation. Property manager confirmed me I had ZERO balance in my account. After 10 months or so I came to know I have to pay this amount but they never provided any evidence of this bill was due. Due to this collection my credit score is highly impacted and would like to have removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A merchant charged my credit card without my knowledge or permission. Because I knew the merchant and had authorized an initial payment the credit card company let him charge an additional XXXX without calling or verifying the information with me. I did not authorize this charge and they wont take it off, even though I reported the fraud as soon as I saw the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, my husband filed for bankruptcy on some unsecured debt that was in his name only. We did not include our mortgage, and I was not a party to this bankruptcy filing. However, for the last 6 years, our mortgage company has flagged our account as " potential bankruptcy '', and refuses to report the status of our GOOD credit to the major credit bureaus. I have made repeated requests by both telephone and email, and have either received no response at all or been told that I have to a ) send a letter ( which I did via their online email portal - received no response twice ) and now b ) submit a copy of bankruptcy discharge via online portal which does not allow me to include any attachments to an email/online request. 
Previously, I had also contacted them to see if they would lower our interest rate - again using their online customer service portal. I had to send three separate messages over a period of 4 months. Each time I received a response saying they were reviewing my request by email, and even received a response by postal mail, but never got anything concrete until I finally indicated I was going to complain to state and federal authorities about their lack of responsiveness. Then I was told that I needed to contact a loan agent about refinancing. I do not wish to refinance my mortgage, I want to reduce my interest rate under HARP/HAMP. However, they will not even discuss this with me. 
At this point, all I want to do is get them reporting on my GOOD credit with them so that I can switch to another mortgage company. When I 've called on the phone I get no where with them, and have been denied the opportunity to speak with a supervisor or manager to voice my complaints. I think that they are deliberately trying to keep us at a higher interest rate ( 5.875 % ) than the current market, and by not reporting our GOOD credit making it impossible for us to go elsewhere.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency  XXXX  '' and it has been dampening my  credit score . I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX    report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on   XX/XX/XXXX  a nd these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.

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 04/22/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (NE).
Issue: Application, originator, mortgage broker

Complaint: there is currently a lien on my property at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I purchased the property XX/XX/1994. several refi 's etclater some title company finds that a lien is on file=it show thatdovenmuhle morgt co did not due the proper paper work and aftermany attempts talking to them and sending them the same infothree times=they say they can find no records of a loan and keepasking me for the loan number. phn # is XXXX and I havebeen dealing with a XXXX=XXXX=and an XXXX with no results=

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX XXXX # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXX would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

Attached is my credit report. my License and SS card and my dads license and SS card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient, who serviced  XXXX  of my student loans, just sprung on a final notice to pay on a delinquent account because it 's 210 days overdue on the amount of  XXXX  in interested. I have  XXXX  documents from  XXXX  loans them saying that I paid them off in full last year on  XX/XX/XXXX ,  XX/XX/XXXX , and on  XX/XX/XXXX . The {$35.00} is for  XXXX  student loans that have a {$0.00} principle and have a completely paid off memo from them.  XXXX  loan requires a payment of {$15.00} and the other {$19.00}. The date for the 8th delinquency notice is dated  XX/XX/XXXX , final notice is dated  XX/XX/XXXX , for the default is one day later (  XX/XX/XXXX  ) which is today. There are no other delinquency notices. The statements from Navient say that my loan is paid off and that, " we were glad to have you as a customer and wish you the best in the future, '' indicating to me that there was nothing more outstanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX XXXX/XXXX/XXXX TransUnion Consumer Relations XXXX, PA XXXX RE : Reappearing Removed Item XXXX XXXX XXXX Late Payment XXXX File # XXXX SSN # XXXX Consumer Financial Protection Bureau Case Number XXXX XXXX XXXX Account # XXXX Past Due 30 days XXXX XXXX has been removed since XXXX and XXXX XXXX again reappearing as a adverse account. After I submitted complain though Consumer Financial Protection Bureau on XXXX XXXX ( Case # XXXX ) and Your response was, Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with XXXX XXXX # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate XXXX XXXX # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact XXXX XXXX directly to ensure the account is reporting accurately in their database. 

( CFPB CASE # XXXX Respond attached ) On XXXX XXXX again reappearing Past Due XXXX XXXX same account and I called your customer service dispute department and asked them to corrected. ( Credit Report attached XXXX/XXXX/XXXX ) I attached XXXX/XXXX/XXXX Credit report show as a prove no any adverse account that time. 
Today ( XXXX/XXXX/XXXX ) when I checked the credit report again reappearing above past due. ( XXXX/XXXX/XXXX credit report attached ) Please removed past due XXXX XXXX XXXX account # XXXX as soon as possible. 

Thank you ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX XXXX 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 10-07-2017 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: Received paperwork in mail on XX/X/2017 for an auto loan that was taken out in my name for {$7500.00} through a finance company that I had financed a vehicle through four years ago, and paid off the loan. Loan has been paid off for at least two years. This loan is for a XXXX XXXX, and was taken out last month. I can not reach the finance company ( XXXX XXXX XXXX ) and when I am trying to put a fraud alert on equifax credit reporting account, they are asking me to verify my identity. The problem with this is that they are using questions about the fraudulent auto loan to verify my identity! I have currently put fraud alerts on XXXX and XXXX, but am unable to do this with equifax. They want me to send hard copies of my id and social security cards to verify my identity, which is ironic due to the fact that it appears that my information has been stolen after a MASSIVE data breech with their company. I refuse to send hard copies to this company, but need fraud alert put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A woman from what she stated as XXXX XXXX XXXX has been calling multiple family members, some of which are in-laws saying I am in litigation and they are issuing an affidavit. I do n't know of any loans and none of the family members would be on my financials for a legitimate debt collector to even be abiding by the Fair Credit Act. The voice mails are vague, do n't leave case info, docket info, or any other info other than a phone number. This has been constant and distressing to me and my extended family.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I paid for a vehicle. The Lender was XXXX XXXX, in XXXX XXXX, Va. I have pulled my credit reports in the past year, and I do not see the positive feedback/report of my Vehicle Purchase. I have a letter from XXXX XXXX that my Vehicle was " Paid in Full, No Late Payments ''. I do n't understand that! That was an XXXX purchase paid for in Two Years. What can you inform me, or help me to understand all this situation, because to ME ... it was a real big deal, having paid for this new ( new to me ) Vehicle. Thank You. My credit score was Low when i bought this truck, and i see no difference for my sucessful payment in full. Also, there is a " pay or quit '' notice showing, but the lease was NOT a contract between Me and the Apartment. It was an agreement from the in which i live, and i had to experience a city employee that did NOT do her job properly, hence, I ... got the legal papers that were degrogatory, I called her to get her to " do her job '' so, she Did pay the City 's portion of this One Year Lease, but the bad marks are STILL on my credit report. ... ALSO, I went to return an antiquitated cable box that I found sitting IN a box for 9 Years. To sign in at the Cable co. they TRICKED me into giving my Social Security number, I did return the box, *trying to do the " right '' thing, YET ... the cable co. is trying to get me for an XXXX Bill XXXX that I had NO idea of ... my Ex.B.F. ordered cable w/o my knowledge, and has moved away, i have no idea where he is ... nor do i care, so ... how can they stick ME with that bill, when I did NOT even order it, nor, watch it.? Please help me with these issues, i will NEVER pay that bill, one reason being the " Principle ' of the matter ... second being ... I ... never ordered that service. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 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: Information belongs to someone else

Complaint: My name is XXXX XXXX. Experian is inaccurately reporting a {$11000.00} XXXX charged off account on my credit report. The account number is # XXXX and I have been disputing this account for months because it is not mine. In XX/XX/2017, XXXX removed this from my report because they verified it was not my account. How can it be possible, almost 9 months later, for Experian to come back and still say this account has been verified when it is no longer reporting on XXXX  and never on XXXX? I'm sending the same dispute for the same account with the same creditor. I have already called and spoken to representatives at XXXX and it turns out that the personal information on this account does not match mine besides a very similar sounding name. The representatives weren't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to have this account deleted from my credit. I am being given the runaround when the fault is really with Experian and they are refusing to correct their mistake. This is why I am filing this complaint. Please see the attached confirmation letter from XXXX confirming this account was deleted from 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 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: After receiving a copy of my credit report, I discovered that this debt was being reported without me having any knowledge of even having this debt. I have attempted on several occasions to obtain validation and verification of the debt from the creditor. The collection agency has no knowledge of anything about me outside of my name. When I contacted the collection agency, the representative repeatedly requested my birthdate, social security number, address and phone number in a very rude manner, before giving me any information pertaining to this debt. Representative also informed me that it was against the law to refuse to pay a debt that I owe and attempted to collect without verifying that is was indeed my account, that I owed on the account. or what the amount owed actually was.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Deposits and withdrawals

Complaint: Citi Bank has garnished my commercial escrow account without notifying me. Checks have been written and electronic payments authorized have bounced and no letter or notification have been sent to me after one week of constant inquiry with Citi Bank.

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 02/13/2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Offered XXXX loan, after paying XXXX over a four month period was told I had contributed XXXX dollars to the principal and now I owe over XXXX. Loanme.com I was told the finance charges accumulate every day and that the payments alternate one month you only pay interest one month you pay interest plus a dollar towards the principal amount the interest is about 95 %.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a letter from collection agency stating they would request deletion of the file. The collection agency could not present information I requested and made the business decision to request deletion of record. I forwarded their letter to XXXX, XXXX and Experian. Both XXXX and Experian has refused to honor XXXX decision.

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 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CONVERGENT is trying to collect a debt that is not mine. According to XXXX this acct was not opened with no date of birth or social under their no credit check program. my name is a common and and I also have a cousin with the same exact first middle and last name. I am requesting this to be removed because this is not my debt.

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 02/14/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I was charged by a third party without authorization. 
I disputed the amount but my credit card company still charged my for XXXX without any proof that I authorized the transaction. I spent hours on the phone with them but they are not giving me my money back

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 Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Wrong amount charged or received

Complaint: I was the seller whom a Paypal dispute case was opened against by a buyer. Paypal 's contract states if/when the dispute is decided against the seller and the seller 's account is negative to transfer monies into the Paypal account to make it even. Before a resolution was ever reached Paypal tacked on an extra unauthorized {$230.00} to a separate credit card purchase transaction by me. When I called Paypal and asked why I was told, " the computer does it automatically and I see your concern of how that goes against our policy. '' Basically they admitted the wrong ; however, would not return the monies to my credit card. Said monies were not returned until I filed a complaint with XXXX XXXX of the fraudulent charge.

Company response to consumer: Closed with explanation