milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with First Credit Services Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: 1. I never received a notice from the creditor about the debt.

2. Received a notice from the debt collector First Credit Services , Inc. 

3. I disputed the debt and sent it to First Credit Services , Inc. dated XX/XX/XXXX regarding the inaccuracies of amount owed. 

4. I never heard back from First Credit Services , Inc. for the past 4 months. 

5. I received an alert notification on XX/XX/XXXX from the credit monitoring service indicating that First Credit Services , Inc placed negative derogatory information on my credit reports and entered it as a medical bill. 

6. I contacted First Credit Services, Inc on XX/XX/XXXX and I spoke with the manager XXXX XXXX who said that he would take care of the matter and remove from my report. He said he would call me back once he researched my file because First Credit Services , Inc never validated the debt and that the creditor XXXX XXXX XXXX never responded to the investigation. 

7. I called the manager XXXX XXXX of First Credit Services , Inc for the past week and no response, his voice mail is full and no at First Credit Services , Inc can resolve, they keep referring me to the manager XXXX XXXX, but he can not be reached. I keeping leaving my number, but he doesn't call me back. 

8. This is damaging my credit, I can not get a loan and I am preparing to purchase a home. I need this resolved immediately. I need the negative derogatory information removed from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: AD ASTRA is containing to report a fraudulent account to my XXXX credit report. I have letters and documentation stating that the account is not mine and that they would be removing it from all XXXX bureaus. They had removed it at one point, but have recently pout it back on. This is breaking the law in so many wat=ys. Once an account is removed it can not be put back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with Merchants and Professional Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I. I have attached a copy of the police report to this dispute. I have never visited this doctor or received any services from this doctor 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Credit card) with Capital Management Services, LP (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i was at work when a women claiming to be a debt collector with Capital Management call my Supervisor and told her that I had a debt and she was trying to collect from me. She then told my boss that she called my phone before asking who she was calling for. 
i this is a violation so I called to make a complaint and told then I was unaware of any debt and to onloy contact me via mail. I spoke with XXXX and he could not find anyone in the complaint department and tried to side with the woman who called. he then said he would review the call..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint yet again against the Mortgage ervicing company Select Portfolio. 
I just received a call from them that my mortgage was being referred to a lawyer for foreclosure proceedings. This after I requested and did no receive the following information. A breakdown of all fees on my mortgage being number one. The info they sent me about this was completely wrong and had nothing to do with the accumulated fees. 
I had also requested that an original copy of the legal promisory note be sent to the lawyer they use to preform the foreclosure process, so that I may exam it and make sure they actually have the right to foreclose on me and to be sure that the original note is not out there somewhere else in someone elses hands and can come back to haunt me later. I demand to see the original and I have a right to see the original. 
I have absolutely no faith in this company working with me in an honest fasion and I would hope that they would be investigated for their practices. They tell you one thing then do another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have wrong letters and contacted both XXXX credit and Transunion about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is 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 12-05-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says debt recovery solutions needs to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Payday loan, title loan, or personal loan (Title loan) with Rapid Auto Loans LLC (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I obtained a loan in XXXX of 2016 from Rapid Auto Loans in XXXX, FL. I ultimately defaulted on the loan and attempted to contact this vendor. I was called multiple times by XXXX XXXX XXXX and had attempted to settle this loan. Due to the convoluted process in paying this loan off, I was unable to complete this task. twice, I called them in an attempt to pay the settlement offer. I went to register my vehicle and there was a registration stop on my vehicle. I contacted XXXX XXXX XXXX who after multiple calls in the same day, were able to guide me through the process of paying the settlement. I had asked that now the account had been settled to release the registration stop on my vehicle. XXXX advised me that they did not put the registration stop on my vehicle and that I would have to speak with Rapid Auto Loans. I called Rapid Auto Loans and they advised me that they did not have my file. I called XXXX XXXX XXXX and they advised me that it will take up to 10 days to transfer my file back to Rapid Auto Loans. Once Rapid Auto Loans receives my file, the will begin the process of closing the account. They advised me that this can take up to 21 days. Even though this account has been paid, my wife can not drive her vehicle as the registration on her vehicle is expired and we can not renew until they stop the registration hold. This company is infamous on dragging their feet to do anything and I feel like we are being held hostage after paying this off due to a legal loophole that does not cover the consumer with regards to legal issues not needing to be handled on a more immediate basis. Now, my wife has no ability to pick up our children from school when needed which is almost daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Payday loan) with Eastern Management Group LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I owe a bill of {$440.00}, they 're wanting a total of {$660.00}. They 're tacking a extra {$200.00} on the total. I can pay the {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I sent out a 609 letter informing XXXX, transunion and XXXX credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling XXXX I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that XXXX knew that people 's information was compromised and did n't do anything after the fact.

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 04-12-2016 about Debt collection (Medical) with Physicians & Dentists Credit Bureau (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: after pulling my report from XXXX noticed a large debt that was reporting different amounts on the credit bureau and i was never contacted that was not paid by my dentist office. explained to the creditor i was not aware of this debt. was not given any info but told me the amount to pay was XXXX for a XXXX debt that accrues at 1 % a month not paid. i cant pay what i do n't know i owe if any. my dentist office agreed to accept the balance from a non profit which they talk to and confirmed on the phone. i 'm not sure why XXXX family dentist did not contact me to say they did not receive the pledge promised years ago. i contacted them today XXXX/XXXX/16 and was told they kept the debt in their office for 1 year before sending to collection. they had my address and phone number but chose not to contact me. i informed them that this would roll off my credit shortly but i did not know about this until now. i was too sick in the past to worry about this kind of stuff because i have a home health aid who is suppose to make sure all this kind of stuff is taken care of. i 'm disable and not able to handle things like this and on XXXX of only {$1000.00} a month from SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Private student loan debt) with NELNET, INC. (CT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Dear XXXX XXXX XXXX ( XXXX/XXXX XXXX XXXX XXXX ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a bankruptcy that is reporting on my credit report that is not mine

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 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from 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 09/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I requested an appraisal from Wells Fargo in order to drop my PMI. Before doing so, I had consulted with a local realtor and felt confident in our property value. The first appraisal by Wells Fargo came back at {$270000.00}, approximately {$7000.00} lower that necessary to drop PMI, and {$10000.00} lower than my LOWEST expectations. I have had both a realtor and a local mortgage broker share with me that they feel I should be appraising at a minimum of {$290000.00}. 

I have tried following up with Wells Fargo for an explanation as to why they arrived at that value, including asking why they are only calling my property a XXXX bedroom home, while it is indeed a XXXX bedroom home. Rather than answer my direct questions, each time they sent me a new appeal form. My first appeal resulted in a {$200.00} property value increase ( laughable. ) The subsequent XXXX appeals have not changed. I still do n't have an answer as to why they wo n't call my home a XXXX bedroom, and why the comparables I have shared with them, all within a XXXX mile radius of my home and averaging {$300000.00} each are not considered in my appeal. 

At this point I feel that the process is not being conducted in a fair manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 03/21/2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I initially sent a dispute as the info on my Experian Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureaus. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.

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