milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I was a past client of Experian. Due to a data breech it was recommended that I restart my credit monitoring for at least one year. So in XX/XX/XXXX, I signed up for one year and was told it was a complimtery subscription. I noticed today that my credit card was charged for {$99.00} for XX/XX/XXXX membership for which I was not aware I had approved. I called customer service and was on hold for 2 hours and 38 minutes. When they finally picked up, they cheerfully agreed to refund my money and cancel my membership. However, why should one have to wait 2 and 1/2 hours to speak with a representative. They may be monitoring my information but if Im unable to speak with them easily enough, what help is it. Their web site did not give any other way to contact customer service except by phone or letter. The long wait encourages one to give up and thus keeping a client from cancelling their service.

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 06/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company, Wells Fargo, miscalculated the initial deposit of funds into my escrow account. Now my account is approximately {$3400.00} short. Our house was NOT new construction. I have been working with Wells Fargo mortgage department for over the last XXXX weeks and I have still not be able to resolve the issue. Wells Fargo has refused to accept the blame for the mistake and will not return phone calls ( including supervisors XXXX. I have reviewed all my closing paper and HUD-1 statement with my relocation company, the closing title company, my realtor, and an old realtor we used to sell two previous house ( in another state ) and all parties agree that Wells Fargo made the mistake. I think Wells Fargo 's consumer service is completely unacceptable and it appears that they do not care. If anyone else made a similar mistake in another type of business they would be held accountable to correct the mistake at their expense. I want this issue resolved ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 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: Account information incorrect

Complaint: The account balance is incorrect and the payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am disputing accounts that I know are not mine. The dispute process is a complete waste of time since they do not do anything to confirm the debt except ask a computer from the company reporting if the information is correct. This is not a proper way to verify anything and if they are complying with the laws then the laws need to be changed. I have XXXX collections on my report and both of them should be removed yet they wo n't make the companies involved prove anything but yet they continue to lower my credit score because of their inability to verify the information.

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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in a FEMA declared disaster area from Hurricane Irma. I am currently on a disaster relief plan with my mortgage company, Mr. Cooper at which time they are to suppress credit reporting and they have not done so. They reported my account delinquent. I would like this corrected and insured it will not happen the next two months.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint is to inform you that transunion has failed to respond to my inquiry dispute letter that I have sent certified mail on XXXX XXXX, 2017. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, transunion received my Dispute letter on XXXX XXXX, 2017.

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 03-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, 2016 PennyMac was denied in a motion to served in or transfer the alleged debt, in violation of the FCRA, FDCPA and FTC. 
In violation of United States Constitution, then wish I do not owe any think. They are about to submit fraudulent documentation to United States Bankruptcy Court case # XXXX. 
Sincerely / XXXX/.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Blocking use of third party applications that can personally help me pay down debt faster

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 11-04-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX : IQ Data. XXXX XXXX XXXX, XXXX, wa XXXX XXXX XXXX XXXX, Mgr Acct # XXXX Original Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX refused credit and to sign lease based upon insufficient credit. 
roommate signed as leaseholder and I moved into XXXX XXXX per XXXX XXXX policy : in consideration of holding a set of extra keys : signed the lease. 

rent was paid for the 3 months lived there on time and in full. 

XXXX XXXX : notified XXXX XXXX of vacating premises, moved out, returned my set of keys to XXXX XXXX XXXX thus ending my lease commitment, which was based upon the contractual consideration of holding a set of keys, XXXX XXXX : XXXX XXXX XXXX evicted my roommate. they had knowledge I no longer lived on the premises and no longer had keys to the apartment, they therefore knew that an eviction was moot, and also that I could not be served at the address of the apartment I had vacated, facts : my entire income : social security and long term XXXX, are exempt from judgement per California XXXX procedure statutes, ccp 704.130 & ccp 704.080 facts : 1 ) I repeatedly called Iq data AND XXXX XXXX apartments asking for : proof of debt. copies of all documents I had signed, and to give them ALL the facts I report here, XXXX ) XXXX XXXX XXXX, and XXXX him XXXX XXXX XXXX actually hung up on me as did another iqdata rep when I asked for those documents, said they could not and would not provide written proof of debt, and ... during a recorded conversation tried to start stating " facts '' that were simply not true. 

I spoke to XXXX XXXX XXXX, XXXX XXXX XXXX mgr, XXXX, another XXXX, and various others over the space of several months, My calls were returned twice out of those many contacts, I have yet to receive ANY written correspondence or serious attempt in writing to provide the documents I have asked for. 

I am asking for the following resolution : XXXX XXXX IQ Data and XXXX XXXX XXXX will remove any reporting of this debt on my credit reports. 
XXXX ) notify me in writing that this has been done,

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

Thank you

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 04-10-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN mortgage company escrow, did n't pay home owners insurance, thus insurance was cancelled, i called the mortgage company several times, rep said check sent to wrong address for insurance and the check would be resubmitted, check has not been received, called OCWEN mortgage co, still receiving run around, i still with out home owners ins and ins company stated possible increase on policy, because of cancelation, this has been going on for about XXXX weeks and still no resolve, i live in a XXXX area, i a XXXX XXXX, i need help as i 've spend hrs on the phone, getting the run around from OCWEN, i think thier service reps or located in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationwide recovery came to an agreement of {$420.00} per month to pay off partial debt on an original debt of $ XXXXafter submitting all my payments every month for 4 months they put a derogatory discharge on my credit for the remainder part.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX XXXX I moved into an apartment complete at XXXX XXXX XXXX XXXX XXXX XXXX MA and received electric services through XXXX. In XXXX XXXX I moved from the apartment into a new apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA and called to close account, but account was never closed and billing remained in effect until XXXX while new tenants during that time were receiving services. The creditor has refused to work with me on this matter by recalculating what I owe and is reporting as a collection to all XXXX credit bureaus even with verification that I was not a resident during the months billed XXXX XXXX XXXX. I have filed numerous disputes through the creditor, collection company and all XXXX credit bureaus but have been unsuccessful. I recently filed a compleint with the Department XXXX XXXX XXXX who has denied my claim because it is in collection status.

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 09/14/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had originally had XXXX HELOC accounts with XXXX XXXX, XXXX for {$110000.00} opened in XX/XX/XXXX and another XXXX for {$65000.00} opened in XX/XX/XXXX. These loan went delinquent and were ultimately settled. BOTH of these accounts have MORE then 7 years since date of first date of first delinquency and should therefore not be reporting on my credit file. PNC, which took over XXXX XXXX, has engaged in an illegal practice called " re-aging '' to indicate as if NEW delinquencies had occurred on the FIRST of these XXXX loans and therefore it IS updating on my report as if I 've RECENTLY become delinquent on it while in fact that account has had NO activity for the longest time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: I bought over {$1000.00} from Rooms to Go in XXXX XXXX from the store near XXXX in XXXX, TX. I called last month in XXXX XXXX to make a payment as I did not receive an invoice for my purchase. It appears Syncrony Bank is the credit card company I received financing from when making the purchase. I called Syncrony Bank to get a copy of my statemen, pay my bill and set up auto pay. They found my account with my social security. I was able to make my first payment but they would not provide me with my account number or help me set up an auto pay so my bills would not be late. Per the representative my address was incorrect and she had changed it that day. My job requires I deploy for extensive periods of time and I would not be home to get the next bill and pay on time. I explained this to the representative and a supervisor advising I could pay more to give an advance to next months payment but they refused to help. I came home for a week today and do not see a statement from Rooms to Go or Synchrony Bank. Concerned and upset, I called Syncrony Bank again ( XXXX/XXXX/XXXX ). I spoke to XXXX ( XXXX ) and explained I had n't received a bill for a purchase on XXXX XXXX. He showed no empathy or concern. Once again I got the run around that my address was incorrect. Again I paid- now my late bill- and was not allowed to collect my account number or set up auto pay. I was transferred to XXXX who could care less about my concern and stated she only sees the address change today. Basically stating I had lied about calling in before and changing it the first time. It 's almost three months and I have yet to review my first bill. Please audit this company as I 'm sure I am not the only one going through this type of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Credit Bureau of York, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXXXXXX XXXX called to collect a debt I do not owe. They refused to understand it is not me who owes this debt and threatened to take me to court. I am XXXX and in a XXXX and find this XXXX and want them to stop calling. 

They call all the time but I answered this morning XXXX/XXXX/17 and she berated me and threatened me for a debt of over {$3000.00}. 

My daughter called them and spoke to them and told them to stop calling or she would contact their attorney and go after them for harassment as their actions are illegal, she says.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was submitted for dispute longer than 30 days with paid information. I have not received any answers from the debt collection agency nor XXXX XXXX ( known as XXXX wireless ) The debt was fully paid to prior collection agency in the total of XXXX. I have submitted such proof with proof of the settlement with the collection agency. XXXX is failing to remove the collection out of my credit report or simply report it as paid. I have made every attempt to contact the collection agency and XXXX ending with no result.s

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, After reviewing this document : http : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.

Company response to consumer: Closed
Consumer complaint received 08-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Rewards

Complaint: I received and activated Barclay Arrival Plus on XXXX XXXX 2016. I had a transaction on XXXX XXXX 2016 with posting date as XXXX XXXX. And today XXXX XXXX 2016 I just found out that I had to meet the required spending within 90 days from the " APPLICATION DATE '' but not the the date I received & activated the card. It took Barclay 2 weeks to mail me the card. But the rep would n't budge and stuck with application date XXXX XXXX and not the date I received the card. Perhaps next time for for future customers Barclay needs to overnight the card at no costs to customers so they have time to meet the required spending for the sign on bonus.

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 12/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (GA).
Issue: Struggling to pay your loan

Complaint: I am currently paying on a loan from Green Trust Cash.  In a desperate need of cash, I reached out to them for a loan to pay some bills. Since the time I have gotten the loan, I have been struggling to pay it off due to enormous interest rate and the length of the loan. The other day I called and requested a copy of my contract detailing all the info of my contract, they would n't send it to me, the only thing they sent me was a detailed payment schedule of the payment left. 

In the state of Georgia payday lending is prohibited. 

In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).

Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code.

Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap.

The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.

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