milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Bankruptcy removal I have been disputing with XXXX and Experian about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXX and ongoing thruXX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but XXXX and Experian always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online. 

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a  ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute. 

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.

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 09/14/2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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 04/25/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I have a car loan with Santander Consumer USA in XXXX, TX. On XXXX XXXX, 2015 I attempted to buy a new vehicle at XXXX XXXX. XXXX Santander refused to give a pay off amount to XXXX XXXX saying my loan was in bankruptcy. That was incorrect. I had a previous bankruptcy that was discharged, and the vehicle in question was never included in the bankruptcy, yet they said it was and refused to give the pay off. I called them and they argued with me when I tried to clear the matter up. They finally gave a verbal pay off. XXXX XXXX said due to previous problems with Santander on verbal pay offs-they wanted it in writing. ( They said when they have had cars in bankruptcy ; they 've accepted a verbal XXXX day pay off, then sent them the money in time-yet Santander refused to send the title to XXXX XXXX saying more money was owed due to the bankruptcy. ) XXXX XXXX called requesting a written pay off and so did I several times and Santander refused. I even requested as the customer to fax it to me and they refused. I would call back and ask to speak to a supervisor and either be told none were available, or was transferred to voice mail ( Supervisor XXXX XXXX ) and I left messages to never receive a call back. I was hung up on XXXX-XXXX for explaining that the line I was speaking to them on was recorded ( I am a XXXX XXXX and all our lines are recorded ) when she heard that she told me " we can not be recorded, so now that you 've told me that, I 'm hanging up '' and did just that. Another hang up came when I told the representative I was filing a complaint with your agency in the event I was not allowed to purchase the car due to their failure to send a pay off ; she told me " now that you 've told me you 're filing a complaint-I am blocking you from accessing any information on your account, and I 'm hanging up on you '' and she did so. They NEVER did send a written pay off. Fortunately for me, XXXX XXXX accepted my old bankruptcy papers showing proof my trade in car was never in the bankruptcy, and they accepted the verbal pay off and let me purchase the new vehicle. Santander demonstrated HORRIBLE customer service to someone that had a car loan with them for XXXX years and they would always tell me I " was a valued customer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My collections portion of credit scores for Equifax and XXXX state I owe XXXX XXXX from 2010. XXXX report says {$150.00} the next report states the amount due is {$170.00}. I just spoke to XXXX in XXXX and she could not find any account like that in my name. I have not received any collections attempts. I would really like to settle the account but she did not find one. This matter is being forwarded to another department and I must await their contact.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX . IS A MULTI- RICO RAQUETEERING CRIMINAL FRAUDSTER XXXX CROOK LIAR THIEF!!! THEY HAVE BEEN PAID FOR THIS DEBT BY THE UNITED STATES TREASURY AND PROBABLY BY INSURANCE ALSO, AND THEY GOT THE NERVE TO SELL MY INFORMATION WITHOUT MY CONSENT IS A VIOLATION OF INFORMATION BREACH!!! THEY ALSO ARE USING FICTITIOUS NAMES WICH IS A FEDERAL FELONY CRIME!!!! I am XXXX XXXX > holder in due course for the XXXX XXXX TRUST ESTATE!!!! I AM ADMINISTRATOR BENEFICIARY AND OWNER, NOT XXXX XXXX!!! do you understand me you criminals??? you already got paid by the united states treasury you liars!!!!! and you sold my personal information!!! you ought to be in jail!!!! XXXX XXXX  IS A CRIMINAL CO-CONTRACTOR TOO IN THIS MATTER USING MY TRUST ESTATE WITHOUT MY CONSENT, I AM OWNER AND ADMINISTRATOR,!! PROVE TO ME I AM NOT!!!

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 09-06-2016 about Debt collection (I do not know) with Kimball, Tirey & St. John LLP (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX 2016, I received a letter in the mail from law firm Kimball , Tirey & St. John LLP stating they were collecting a debt on behalf of another company. On XXXX XXXX 2016 I mailed a letter to the law firm requesting debt validation. However, on XXXX XXXX, 2016 the law firm already reported the alleged debt to all of the major credit reporting agencies before I had the chance to respond to their letter and request debt validation. According to federal law, 15 U.S. code 1692 ( g ) ( b ) it specifically states that a collection agency can not report a debt to the CRA 's until the debt has been validated. It also states that a debtor has 30 days from notification to request validation of the debt and the collection agency has to send proof that the debt is indeed valid. The law firm purposely disregarded my request for validation and purposely broke this statute that protects consumers and this is a direct violation under the FCRA which is punishable to a tangible extent under this law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Central States Recovery, Inc. (KS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted XXXX on XX/XX/2016 to request a letter to send to XXXX to confirm that XXXX accounts that we had paid in full to XXXX were paid in full and their was not a current dispute that they were showing for these accounts. XXXX themselves were not showing that information regarding these accounts were reporting correctly. XXXX refused to provide any such letter or proof to either myself or XXXX to try to get the issue resolved. They claimed that they had reported correctly and they will again update it with XXXX and that " we would just have to wait ''. The employee with XXXX claimed that she was the only supervisor and that she had spoken with her legal department that verified that they would not and could not provide any such documentation that the accounts had been paid and resolved to either me the person whose request by XXXX to have a letter with their name information the account numbers and notification that the debt had been paid and verification that there were no open disputes.

Company response to consumer: Closed
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting ONLY negative accounts twice in XXXX XXXX XXXX ) different parts of my credit report for the following accounts : ( 1 ) XXXX ( see attached ) ACCOUNTS Tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 2 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 3 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 4 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled on top of page ) ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is ONLY XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 5 ) XXXX XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 6 ) XXXX XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ). 
XXXX XXXX XXXX XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 7 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) / CLOSED ACCOUNTS ( circled ) ( 8 ) XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) These are XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX negative reports are being report. 
XXXX XXXX XXXX XXXX negative reports should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Citibank took over the accounts for XXXX from XXXX. When doing so, our XXXX number was not carried forward to the Citibank account. When payments were attempted to XXXX, they were returned. Citibank imposed late charges and finance fees in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first notice that we received of a payment address for Citibank was in XX/XX/XXXX, upon which we came current on our account. However, Citibank is not refunding all late payments and finance charges accrued during the XXXX month period.

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 monetary relief
Consumer complaint received 07/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Bayview Loan Servicing and they provided me with a modification XX/XX/XXXX. The modification was to have a principal reduction feature in it of {$410000.00}, spread over 3 years in the month of XXXX of the proceeding years. The stipulation for the modification was that payments would need to be within 90 days to get the principal reduction. I unfortunately had a niece pass from XXXX at the age of XXXX that I help with the funeral arrangements. I addressed this issue with Bayview Loan Servicing and also sent them supporting documents pertaining to my situation. On XXXX XXXX, XXXX I received a letter stating that I would still be eligible for the last principal deduction. Now Bayview is stating they will not indeed give me the deduction even though I have the correspondence from them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Payments was due on XXXX of XXXX, but was paid on the XXXX. Late fee 's are applicable if paid after XXXX. Received a " Notice of Pre-foreclosure '' by certified mail on XXXX of XXXX stating I had 30 days from the XXXX to discuss Pre-forclosure with them or they would start foreclosure proceedings. If they are going to give me 30 days why do they wait until 6 days into it to tell me by certified mail?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX '', has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However, NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX, double the original amount, on my Equifax credit report also. I have contacted NCC Business Services multiple times, explaining to them that they are double reporting this matter and falsely representing the character, amount, and legal status of the debt. But no one will listen and remove this debt collection account. Therefore, it has been ruining my credit for the past yr and a half. I have been advised this is illegal what they are doing and I would like it to be corrected as soon as possible. I have physical proof that this matter is being reported twice on the same credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Confusing or misleading advertising or marketing

Complaint: I have had Bank of America Privacy Assist product since about 2010. Paying {$12.00} a month for viewing my credit score, and being assured that if my identity was stolen then they would spend up to {$25000.00} to help restore my credit identity. Also their credit insurance product says that they would pay up to {$2000.00}. lost wages per month, and some other coverages such as {$2000.00}. a month elder care. Having read about the suit against them for this and similar products I wish to be included in that suit. When I opened that account with them, there is no record of when I bought it, and so I would have to research my old BA statements to verify the time frame. I found on that site where I could cancel it, but there is no way to email them directly from either of their sites, and a phone call to their customer service agents wouldn't help me either, since they just send one though endless menus, and transfers to ever reach someone capable of making this right. I don't have time for the hour or more that would take! I don't want to cancel until I know I can be compensated correctly! 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 10/20/2017 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: Inaccurate addresses reported never lived here XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Requesting for assistance again with Equifax Credit Bureau. The same situation keeps happening when I try to request for my free Annual Credit Report with Equifax. The verification questions that are being asked does not pertain to me at all and Equifax is allowing Creditors to place inaccurate information on my credit file ... which is preventing me from disputing. I never have these issues with the other XXXX Credit Bureau ... XXXX or XXXX. Only Equifax. Would you please assist me in obtaining my credit report from Equifax. There is no current credit freeze on my credit report. I needs to dispute inaccurate information that is being filed by companies that I do not owe and are currently sending my information to collection companies for no apparent reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I submitted for Equifax to remove this account from my credit report. However all they did was update and send me a copy of my credit report. This account is closed and has a zero balance please have them to remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Reports collection as being opened XXXX ( when they purchased the debt from previous collector ). Original date of delinquency with original creditor is XXXX. Debt has been sold/purchased by multiple collection agencies within the last 3 years. Have filed disputes will all XXXX credit bureaus. Have been denied for other credit accounts and mortgage because the date displayed does not reflect the true age of the debt and it appears I have a new delinquency when I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with RP FUNDING INCORPORATED (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm XXXX today. I lost my job of 15 years back in XXXX due to a company downsize, and was thrown back into the workforce to try to start over. What a journey it has been. No one wants someone my age. So now I only work part time, with a loss of over {$1200.00} per month in income, and barely surviving. With all my bills, I do n't have the money to afford food any longer, and so I starve. My mortgage company is aware of my situation, and yet continues to charge me a late fee every month, because I am a little late in getting the payment in. And now they want to increase my monthly payment, Which I ca n't afford now, because they need a buffer on my escrow account. It 's a 30-yr fixed rate/payment, so how can they just change the payment to what ever they see fit. I think it 's time to simply walk away, and let them have their home back. It 's a hard pill to swallow at XXXX, but did my best.

Company response to consumer: Closed with explanation