milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to ATG CREDIT letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ATG CREDIT refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ATG CREDIT provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: National Credit Adjusters purchased an account from XXXX XXXX in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

XXXX XXXX was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with XXXX XXXX I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with HireRight Solutions, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: HireRight has erroneous incorrect information on my XXXX Report and I would like to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (TX).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: This was on my background check for employment : Court Searched Distric t And County Co urts Case Type Conviction Case Level Misdemeanor Case Status Closed Case Offense Date  XXXX  Offense Type Misdemeanor Offense Description   XXXX   XXXX   XXXX   Disposition Date  XXXX    Disposition PLEA NOLO CONTENDER Outcome Conviction 1. Sentence Type : Jail ; Sentence Length : 120 Days ; Consecutive/Concurrent : Consecutive 2. Sentence Type : Probation ; Sentence Length : 12 Months ; Consecutive/Concurrent : Consecutive Number ( 1 ) did not happen.
Only number ( 2 ) did ; plus it was 17 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military deployment and my security clearance remains at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived anywhere except XXXX, Louisiana my entire life. There areally XXXX addresses listed that are n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We got behind on our mortgage payment because of loss of income and were forced to relocate. We could n't find a buyer and we have XXXX different renters that did n't pay. We have been contacting our Bank regarding doing a loan modification so we can get caught up on our mortgage. The will not return our calls and now our house is in the XXXX step of foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with SLM CORPORATION (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My son borrowed the money this is a school loan, he is not currently enrolled in school and was unemployed they ask for me to pay it in full harassed me on a daily basis to pay this loan in full. Now its on my credit report as a collection. Should this affect my credit and my sons both? My son is currently making payments. So is it still a collection and and why is it affecting us both. Can They ask for payment in full or else. I thought a student loan was paid in installments until it is paid off not called to be paid in full when creditor feels like it. This is wrong some how!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that XXXX bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning XXXX Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when XXXX took over they had raised my APR ( without my knowledge XXXX to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact XXXX back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My complain is with Transunion on why they allowed this company to do a hard inquiry on my credit report. I have tried to contact the with the company information that was on my credit but got a recording telling me to leave a message with XXXX XXXX but know response. I also follow up with certified letter on XX/XX/2015 requesting this company to contact Transunion to remove the hard inquired. I have not requested a loan, mortgage, or anything other credit transactions with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting a remark on my XXXX, Equifax, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Round Point Mortgage Servicing ( RMP ) has held the final funds submitted to us for a XXXX claim with our XXXX XXXX XXXX XXXX company XXXX that took place in XXXX 2016 and we received in XXXX 2016. They have also been holding funds due to the company that provided mitigation services. We have provided everything they 've asked us for and each time we send in the requested information, something new is added by RMP as an additional requirement. 

On 3 occasions, since XXXX 2016, we 've been told that funds would be disbursed to us within a week. They never return calls or send correspondence noting or identifying needs but each time we ask why no funds as promised, something is added as an unmet " requirement. '' RMP even went as far as almost doubling our claim amount and adding requirements that are for the higher amount, though grossly in error. 

The most recent interactions we have has been in direct communication with the Social Media Manager who responded to a XXXX review I made expressing concerns. XXXX XXXX promised to get the issues resolved and told us on XXXX that funds were to be disbursed but we have not received a date for when the check would print nor an estimated date. When we check our account online it only reflects partial payment pending disbursement to the service provider that has not been paid. There is nothing even pending for the funds due to us personally, despite the fact that such has been promised by 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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute online with Experian regarding the information being reported by XXXX. I disputed the high limit amount which is incorrect along with the number of late payments. The date of XXXX delinquency was XX/XX/XXXX. I received notice that the investigation was complete and the account was updated with " disputed meets FCRA ''. I did not receive any proof. Experian also changed updated this item and changed the date it would be removed to XX/XX/XXXX. They have added 3 years to this date. A dispute does not change the date of first delinquency and this re-aging of this debt is illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have recently opened a Capital One account online and attempted to add my spouse to the account today. I had followed the directions posted on the Capital One website and did not see the option to select add a new account holder as described. When I called to find out what I might be doing wrong, I was advised that I was not doing anything wrong and the option had been disabled on their site. They were working to have it brought back and would hopefully have it done within the next month. I asked if there was any other way I could add my spouse, manual or even visiting a branch and was told this was not an option. There would be no way to add anyone to the account unless this technology was added back. 

I am concerned that this limitation has put my families well being in jeopardy if I choose to continue to leave my money here and something were to happen to me over the period of time while the technology is being upgraded. It seems there should be a " plan b '' to service the customer when they have chosen to disable this method temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXand XX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the Insurance XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on Experian and XXXX. In XXXX, XXXX I received notice of my Insurance Billing and an updated billing from XXXX which indicated my Insurance Company paid their share and I paid my balance which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Experian and XXXX from XXXX for the original amount of {$47.00}. This should never have been sent to Collections and my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Experian and XXXX. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Experian and XXXX Mortgage Credit Scores are both in the high XXXX 's with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Experian 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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 disputed an account from XXXX XXXX XXXX saying it should be deleted .... the reporting agency updated account as oppose to deletion

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 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: Personal information incorrect

Complaint: FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL 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 04/15/2017 about Consumer Loan (Title loan) with PIONEER CREDIT COMPANY, INC. (FL).
Issue: Lender repossessed or sold the vehicle

Complaint: I got a secured loan with Pioneer Credit in XXXX Ga. They repossessed vehicle and sold the vehicle. They have changed dates and amounts. They never contacted me for balance due after they repossessed my XXXX which I originally had a clear title. They have change and said it was a unsecure loan on my file I disputed I have took a picture in my phone. They continue to change the original date of filing with credit bureau. It was a 21 month loan. They reported I paid over 21 months on snap shot I have. They took the repossession off my credit file and reporting now that I just got the loan on my report. I have pictures and copies of last month report. The reporting company is from a different state now ( XXXX XXXX XXXX XXXX XXXX TN 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
Consumer complaint received 01/26/2017 about Debt collection (Payday loan) with Direct Recovery Services, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from XXXX XXXX XXXX stating that my account ending in XXXX with Chase Bank USA had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have some unauthorized and fraudulent credit inquiries listed on my Trans Union Credit Report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017, XXXX, XX/XX/2017. Further, I have employment information that do n't belong to me. I have never been employed at 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
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to Honda with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.

Company response to consumer: Closed with explanation