milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2017 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: Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
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 09/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Nationstar Mortgage which I refinanced elsewhere. I had to complain to get all of my escrow refund, but they finally sent a second check. Now, I am reviewing the statements from them and doing an audit and I find that they XXXX paid my PMI in XX/XX/XXXX. 

I am attaching the annual escrow statement dated XX/XX/XXXX showing the previous year 's payments, which shows they paid PMI in all 12 months ( no skipped payments to be made up later ). It also shows an ending balance of XXXX. 

I am also attaching the last escrow statement dated XX/XX/XXXX which strangely shows a beginning balance of XXXX. That statement goes on to show XXXX payments for PMI were made on the same day XX/XX/XXXX. 

When I called them they said the second payment on XX/XX/XXXX was to make up for a missed payment in XXXX. The problem with that is the statement says there was no missing payment, in XXXX or anytime in the year. 

They then tried to explain that the Annual Statement is a projection and not actually what was paid. This is again ridiculous as the statement was issued XX/XX/XXXX but included what they said are projections of what had happened in XX/XX/XXXX? Additionally the statement says the figures are " Actual Disbursements '' not projections.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: About 60 days ago to be exact i viewed my credit report and noticed an account on there from the company i am filing this complaint against .... ARS ACCOUNT RESOLUTION. I was not aware of the debt because i was never notified by them or the original creditor. It says on my credit it is for medical but i have insurance?     I sent them a certified letter on  XXXX   XXXX  and i still have not heard back from them and the account is still listed on my credit. I do n't understand how they can post a account on my credit that is not mine and or post an account on my credit without validating the debt first to even see if it were mine or to offer some type of resolution.

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 06-11-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Closing/Cancelling account

Complaint: Dear Sir / Ma'am, I had been a credit card holder of HSBC for years. On XXXX XXXX, I received a letter dated XXXX XXXX, 2015 from HSBC indicating that my credit card account had been terminated. The letter stated that I must send balance payment to such account of which I did. However, HSBC would not allow me to claim gifts or reimburse me for the points I had earned by using the card. I called but was notified that HSBC would only allow existing customers to claim prizes through the points. The issue here is I have XXXX points which is equivalent to a value of {$1700.00}. No advance notice was given to me prior to their decision of shutting down my credit card account, nor had HSBC automatically converted these points to credit my account. I do not agree with the banks improper decision of terminating my account without giving me ample time to manage my earned points. I appreciate your attention to this issue and look forward to receiving your comments / help in order to get back what I own.. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I contacted XXXX XXXX numerous times and they have stated that the account has been removed from my credit reports in XX/XX/XXXX but for some reason when I check in XX/XX/XXXX it is still showing on my reports. I have included the message from XXXX XXXX for validity. 


A delete request was previously sent to the bureaus when this consumer filed a complaint back in XX/XX/XXXX. An XXXX delete was performed today and should result in the trade line being removed from her credit report. Our agency does not know what she is referring to when she mentions her XXXX XXXX XXXX Check.

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 08-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016 I called Wells Fargo Bank to inquire about refinancing my mortgage to get a better interest rate. I initially contacted Wells Fargo because they have a special program for teachers as listed on the teachers ' union website. I wanted to get a loan estimate that I could use to compare and shop around with other refinancing offers. After talking to a Wells Fargo representative for over an hour and reviewing costs, he offered to send me a loan estimate. But in order to proceed, he said that I had to pay {$510.00} for a credit report and appraisal. I told him that I did not feel comfortable paying the money without having time to review the loan estimate first. It was early evening and he told me that the rate would not be guaranteed and that we would have to start all over if I waited until the morning to review the loan estimate. Against my better judgement, I gave him my credit card information for payment. I had more trust in the company since they were recommended by the union. In addition, my XXXX year old daughter had been crying about eating dinner and I needed to end the call, but did n't want to have to start all over again. The next day I still felt uncomfortable about the fact that they demanded so much money upfront without giving me the opportunity to review the loan estimate. I decided to call another bank just to compare numbers and they ended up giving me a loan estimate without any upfront payments and ended up being significantly cheaper. I realized at that point I had been lied to about having to pay the money upfront since the other bank made no such requirement to review the loan estimate. I went on the Consumer Finance Bureau 's website and it says, " You can be charged a credit report fee before receiving a GFE. But, you ca n't be charged any other fees until you get the GFE and indicate that you want to proceed with the mortgage loan. '' Wells Fargo did charge me additional fees -- the cost of the appraisal -- before giving me the opportunity of reviewing the loan estimate. By saying I had to give them money at that moment or else the loan estimate would be void, was deceptive and used to get me to go with them after paying such a large down payment. 

They also had the appraiser call me immediately to schedule an appraisal, which is another tactic used to prevent me from shopping around. I realize I made a mistake by not trusting my instinct, but these practices are deceptive and should be banned. 
As a result, I was charged {$510.00} even though I am not using Wells Fargo to refinance my loan.

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 06/22/2017 about Debt collection (Medical debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have received multiple calls from Portfolio Recovery ( Portfolio Recovery  Associates, LLC   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I owe  XXXX   XXXX  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I informed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed the Time Barre d that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries on my credit files with XXXX and XXXX  from this company dated XX/XX/XXXX. I did not apply for credit from them on this date. I have an inquiry from XX/XX/XXXX,  that is a legitimate inquiry. I have asked the credit reporting agencies to remove these inquiries, but they do n't have to follow the law, so that was a waste of time. I have written to the company directly requesting documentation supporting their permissible purpose in accessing my files, but all I got I reply was verification that they did, in fact, access my files ... no proof of permissible purpose. Accordingly, pursuant to the FCRA, these inquiries should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: SLS continues to request the same documents over and over again, even though they tell me over the phone they have them in their system. They have XXXX copies now of the complete short sale package. My property is in foreclosure and we have an active buyer that is ready to move on now. I feel SLS is not handling this manor in a professional way. They have called me names over the phone, asked me if I work at XXXX XXXX, while thinking they had the phone on mute. I have requested to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient 's collection service XXXX called me at work claiming to be XXXX XXXX, a medical health Case working service that I use to support indigent people. I am furious that they are calling me at work, something they are not allowed to do and that they impersonated a care service that I use professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Medical) with Charlottesville Bureau of Credits, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was discharged in my bankruptcy. I wrote to the collection agency. They responded saying that they would remove this derogatory mark within 30 days. This was at least 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Shopping for a loan or lease

Complaint: I recently applied for a debt consolidation loan through One Main Financial, of XXXX. I provided my social security number, income details, address and rental history details, and very throughout information as to the credit card amounts and monthly payments I was looking to consolidate. 

The company is NOT XXXX in underwriting standards. I applied for the debt consolidation loan through their website XXXX https : //www.onemainfinancial.com/ ), then spent XXXX minutes on the phone with a woman in a call center re-confirming all the information I had input online. 

A local underwriter ( XXXX ) asked for income proof. I sent him my most recent federal tax return, photo ID and most recent bank statement showing paychecks being deposited. His local branch phone number is XXXX. 

I 'm self employed and can write off many business related expenses. This results in my tax return showing I earn far less than the paychecks I receive ( which they had on file ). They claimed they were only allowed to use the federal tax return as income proof. Called back & supervisor said the same thing. 

Here 's my gripe : At NO PLACE on the website, nor verbally was I told they can only accept a tax return as income proof. If I had known this up front I would not have spent an hour of my time with them, nor sent sensitive documentation. I feel I was descriminated against due to my XXXX self employed status.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Bank account or service (Checking account) with TRUSTMARK CORPORATION (MS).
Issue: Making/receiving payments, sending money

Complaint: My banking accounts have been compromised. My money has been and is being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show I paid. This is unacceptable. I spoke to a XXXX XXXX and stated they will report it to the credit bureau. I would not have paid a dime unless the item was going to be fully removed. I had no idea what this debt is, but {$84.00}? Really? had they contacted me by phone or my address since what they had on file was a old apartment I lived in XXXX years ago. I was made aware when a mortgage lender pulled my credit report. So, I had to reach out to the original creditor to see if I can fix this with them update my address even tho I do not have XXXX anymore. Then, was told that Stellar recovery had the collection now and there was nothing they can do for me. I likely would have simply paid them to avoid poor marks on my reports. This company blatantly broke laws outlined in the Fair Debt Collection Practices Act, and I EXPECT this to be made right by me. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with Innovis (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been a consumer of XXXX XXXX credit card for years. I called Innovis Consumer as well as filed a dispute with them regarding falsely reporting that my XXXX XXXX account is closed/charged off. They claimed, as of XX/XX/2017, that they reinvestigated it and status did not change. I called XXXX XXXX and complained about them reporting my credit card as charged off. XXXX XXXX assured me that they did NOT report that my card is closed or charged off nor is it deliquent. XXXX XXXX also sent a letter stating the same thing-account IS and ALWAYS has been, in good standing. Innovis did not and can not provide me with the name, phone number and address of the PERSON, not computer, that told them the account is charged off as of XX/XX/2017 for {$690.00}. My card continues to be active and in good standing. Innovis 's failure to accurately report to all major credit bureaus has caused XXXX, stress and financial hardship. Denied credit increases and cell phone purchase due to the recent error it reported. Calling and sending letters to Innovis has fell on deaf ears. XXXX XXXX continues to advise that the credit reports are wrong ... but I am stuck in the middle. Innovis Consumer has caused harm to me financially, with their failure to really pick up the phone and verify information. Clearly there is a computer glitch that no one has the time to correct, at my expense!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX addresses listed on my Experian credit report that do not belong to me. I would like to have them deleted. The XXXX addresses are : XXXX and 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 02/27/2016 about Consumer Loan (Installment loan) with CONSUMER PORTFOLIO SERVICES, INC. (KS).
Issue: Managing the loan or lease

Complaint: Me and my wife have a auto loan through Consumer Portfolio Services of XXXX CA and they are being rude to us claiming a payment that we asked to be made did not go through but our bank shows the payment never attempted to go through and it was never presented to the bank. 
We also have complaints against CPS for not allowing us to speak to a manager, numerous calls and texts to our cell phones when we never gave them permission to text us. 
Our bank shows the payment never was presented to them, we have not been charged any fees and the money intended to make this payment still remains. 
They are trying to charge us fees for a payment they never presented to the bank and refuse to take a payment unless we pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Other debt) with TrueAccord Corp. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  claims that we owe them {$270.00} for services which we never received.We made our position clear but they kept harassing. And now what appears to be a third party sending emails and threatening action if we fail to respond to their emails. We are not even in a position to know whether the debt collector is a legitimate one or a scammer. We are asked to click on links like " Click here for more information about your balance '' or " Pay now in full ( you should!  ) '' a nd "  STOP SLACKING. '' Not only do we not owe this debt but we are harassed by this new entity using the shadiest e mail methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry to my credit report on XX/XX/XXXX. I did not authorize this hard inquiry and I see reported hard inquiry on my Equifax credit report. I contacted both XXXX XXXX XXXX XXXX and Equifax. 
XXXX XXXX XXXX XXXX never replied to my email which I sent on XX/XX/XXXX. 
Equifax on XX/XX/XXXX replied that I should contact XXXX XXXX XXXX XXXX about this issue. 
Could you please help me to resolve this and remove unauthorized inquiry from my Equifax credit report? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I RECENTLY FILED A CLAIM WITH THE CFPB IN REFRENCE TO FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I AM ASKING FOR A  RE INV ESTIGATION. I HAVE LIVED IN ALABAMA 53 YEARS. I HAVE SENT PROPER DOCUMENTATION TO SHOW I AM A LABAMA RESIDENT. NEVER LIVED IN  XXXX   XXXX  NEVADA. SOMEONE APPARENTLY WAS LIVING UNDER MY IDENITY IN  XXXX   XXXX  NEVADA DURING THE TIME I RESIDED IN ALABAMA. I HAVE STATE OF ALABAMA NOTICES FROM THE DEPARTMENT OF REVENUE SHOWING I OWE TAXES FOR  XXXX ,  XXXX .  XXXX ,  XXXX  I HAVE MY ALABAMA TAX RETURNS AND ALSO BILLS. HOW IS THIS POSSIBLE TO LIVE A DOUBLE LIFE. I SUBMITTED 19 YEARS WORTH OF ALABAMA ISSUED DRIVERS LICENSE. POWER BILLS, LEASE. TO SHOW AT THE SAID TIME I RESIDED IN ALABAMA NEVER LIVED OUTSIDE ALABAMA.   XXXX   HAS REMOVED THESE ACCOUNTS FROM MY CREDIT REPOR T NUT  NOT TRANSUNION AND  XXXX . PLEASE SEE THE FOLLOWING ACCOUNTS THAT DO NOT BELONG TO ME  XXXX  -BANKPRUTCY  XXXX   XXXX  NEVADA   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation