milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 about Debt collection (Mortgage debt) with Utah Loan Servicing, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a mobile home in XX/XX/XXXX for {$18000.00} at my first duty station. I payed {$240.00} a month for the time XXXX XXXX XXXX XXXX/XXXX  handled the mortgage. During the five years I had the mortgage I was never late in making a payment. When I received orders to a new duty station inXX/XX/XXXX I had to complete a short sale of the mobile home with a third party. The short sale yielded {$10000.00}, enough to pay off the principal of the XXXX XXXX mortgage. They agreed to the pay off amount and accepted the payment. Over the past 19 years XXXX XXXX has changed hands and had a class action lawsuit levied against them. They hit my credit report with an amount that was supposed to reflect the fees, accrued interest etc. inXX/XX/XXXXafter they had agreed to the pay off amount and accepted payment. The normal period of reporting unpaid claims is seven years. I worked with legal counsel several times from XX/XX/XXXX - XX/XX/XXXX to get the negative reports removed. Once the negative reporting dropped off my credit report I was relieved and thought the issue was behind me. Recently my credit report has been hit again from UTAH LOAN SERVICING LLC asking for payments against a 19 year old mortgage that was settled. I do n't have any of the original paperwork from XXXX XXXX/XXXX after 5 moves and 7 years of bad credit reporting to show that the mortgage was settled. UTAH LOAN SERVICING LLC has never attempted to contact me via phone, mail, email or any other type of communication. I feel that they are a predatory company and do not have the right to take action on a claim that is over 19 years old. My home of record, for military service, has always been Missouri and after reviewing the Missouri Statute of Limitations on Debt Collection ; I feel that this debit collection is illegal. I am submitting a complaint to get UTAH LOAN SERVICING LLC removed from all of my credit reports and to provide information to others that my have the same issue. I am enclosing a snap shot of the current credit report entry from UTAH LOAN SERVICING LLC : As of XX/XX/XXXX Account name : UTAH LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number : XXXX Recent balance : {$6000.00} as of XX/XX/XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Status : Collection account. {$6000.00} past due as of XX/XX/XXXX.
Type : Mobile Home Terms : XXXX Months On record until : XX/XX/XXXX Credit limit or original amount : {$18000.00} High balance : $ XXXX  Monthly payment : {$0.00} Recent payment amount : {$0.00} Date of status : XX/XX/XXXX First reported :XX/XX/XXXX Responsibility Individual : XX/XX/XXXX - XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX

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 10-05-2016 about Bank account or service (Checking account) with OLD NATIONAL BANK (WI).
Issue: Problems caused by my funds being low

Complaint: I am a XXXX American and receive Social Security XXXX through XXXX, and they changed over to Old National Bank recently ... XXXX. I believe these institutions have charged ( possibly ) millions of dollars in overdraft fees to those of us on XXXX who receive XXXX paycheck per month during this change over. I lost an unexpected {$120.00} ( ca ) and was treated horribly by the bank manager at my branch in XXXX. Could you check to see how much social security money they took ( total ) from us ... the poorest of the poor. I have more to tell, just not enough space. Please call me to discuss. The charges will be in the form of {$8.00} per day for each day the account was overdrawn. I believe they carefully planned and manipulated our accounts and lack of true understanding ( took advantage ... especially of the elderly and XXXX. ) See how many {$8.00} service fees were charged during the last two weeks of XXXX ... up until the time our social security was directly deposited into our accounts. I am considering filing a class action law suit so that we XXXX SSI/XXXX recipients can get our money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reached out to Equifax in regards to some inquiries on my credit that I did not authorize and I also have a fraud alert on my account. I froze my account as well because of identity theft. I wrote them asking to remove the inquires and they responding telling me that they will not erase them because all companies does n't have to necessarily have my consent or my signature to pull my credit. This is really bothering me because I cant get approve for lines of credit that I need or some jobs have turned me away as well because of my credit issues. The items that I disputed are in fact in error. I did n't request any of them. I 've spoken with a few of the companies and they said its nothing they can do because its not an account, its just an inquiry. Having XXXX inquires that are n't yours affect you majorly and I am a single parent of XXXX trying to build and maintain my credit so that I can provide for my household. This is stressful. I 've called and written letters for them to respond the exact way. This is very distasteful and they act like its nothing that can be done and they do n't care to listen, read or help you in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recently, I sent certified mail with supporting proof of identity theft and the agency refuses to remove items that are a resulting the theft. I have uploaded documentation that was sent. I have also filed another complaint with the FTC, this way all measures will be exhausted and the only thing left will be a civil complaint. There is nothing more to add as this has been ongoing for sometime and many credit violations have been made. There is a timeline in which this has to be addressed and they have not done anything accept take down my score as my continued effort to fix things get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
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: Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: In XXXX of 2014 I took out a loan with Capital One Auto Financial in the amount of {$28000.00} for an auto loan. I came into XXXX XXXX to purchase a vehicle because I had gotten several pieces of mail saying I was pre approved for a loan up to {$30000.00} from Capital one. I am a XXXX and had a fico score of XXXX at that time. The interest rate I was given was 21.74 % and the dealer told me that i had to purchase a warranty for {$2200.00} to qualify although I was presented with a paper to sign saying that I did not. Along the term of this loan I have had two instances where i was approved for due date changes that I did not receive and cause me to have late payments on my credit history. Also I was told over the phone that I was approved for an extension and did not receive that either and caused my payments to pile up. I feel that here it is three years later and I still owe {$23000.00} of the initial {$28000.00} I have borrowed with almost three years of payments of {$710.00} and still have three more years to go. This loan was predatory and I feel that I was taken advantage of. I could not refinance because I 'm so upside down and have no hopes of trading it in either. Now I 'm behind in payments and I am just at my wit 's end and really need your help. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection was added to my  XXXX  and  XXXX  credit reports by Midwest Recovery Systems for {$2500.00}. It is apparently some payday loan that I never took out and I was never contacted about it.     I am in the middle of a mortgage loan process and this is going to affect my approval and rate. I can not dispute it on my report as the lender will not approve my loan with any disputed items.     I need this fraudulent account removed from my reports as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is the last time I try resolving this here as my problems are being ignored. If not full resolution I will be contacti ng my Congressman and Senator to for ward me to a higher authority. I filed a complaint because info that was not mine was on my report. PAY Attention. t hat 's 1 ... ... ... 2. tax liens, ... ... 3 I can not even access my report or the dispute results because Experian blocks me. " We are unable to honor your request to access your report online. '' this is what I get when I follow the link from Experian 's email stating 1. the results of my dispute are available. 2. that there has been  a change to my report.

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 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX 2015 I was shopping for a vehicle. In XXXX 2015 I pulled mycredit report and noticed several unauthorized inquiries on my XXXX report. I sent a dispute regarding the unauthorized inquiries toExperian on XXXX/XXXX/15. I have not gotten a response from Experian. 
Pulled my credit report XXXX/XXXX/15 and all unauthorized disputes are stillreflecting on my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with Hewitt-Capital (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Someone name XXXX from XXXX XXXX XXXX called my parents home listing my name and last 4 digits of my SSN taking they attempted to serve some papers to my home and if I didnt contact them in the next 24 hours they would contact me on my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The one debt was from a phone company XXXX XXXX XXXX. They charged me for a service that I never received. I tried to cancel the service in which I paid but never received, but they gave me the run around. They would n't let me cancel so I went to a different phone company and the first company put me in debt for the contract. I filed a dispute which never showed up through XXXX XXXX. It 's been over 2 months and I have n't seen anything for the dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: I have big problem with Chase credit card.I went in under Debt Relief program to get out of debts.All credit card companies did right for me, except Chase. Chase closed my account XXXX/XXXX/2012 and discharged my debt of {$2600.00}. They sent me form XXXX so I can file taxes for that amount what I did. I though this problem is solved but I find out through Credit reports that it is not! Chase has been keeping reporting to agencies that my debt is charged-off with a current balance of {$3200.00} still owed to Chase!!! They even increased the amount and they claim I still owe them the whole amount of {$3200.00}. I filed few requests with Credit Report Agencies for investigations, but nothing ever changed at my Credit reports, ( XXXX and XXXX ), it changed in XXXX report that I owe them {$0.00}. 
I even called Chase to resolve this problem, but they keep claiming I owe them {$3200.00} even when I confront them with the form XXXX they sent me, and that I claimed taxes for them to the IRS and that they claimed that as a loss to the IRS, so they should report Credit Report Agencies they have to report that account is charged-off and balance is {$0.00}. Chase kept ignoring it and they still keep claiming I owe them {$3200.00} and they want me to pay it off!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (PA).
Issue: Closing on a mortgage

Complaint: early XX/XX/XXXX we were told by loan depot rep XXXX XXXX that we were pre approved for a mtge and would close XX/XX/XXXX we did close mtge funded XX/XX/XXXX the new mtge docs said that the first payment was due XX/XX/XXXX. so we did not make our XX/XX/XXXX payment to our existing mtge company. on XX/XX/XXXX loan depot decided to defund the mortgage leaving us now 30 days behind on our mtge can they do this 3 companys were involved XXXX XXXX XXXX XXXX XXXX and home depot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed recently the XXXX XXXX XXXX card that is showing up on my credit report with you because the card was opened without my knowledge this is the case of identity theft you have removed all the other accounts that were opened but for some reason the XXXX XXXX XXXX card is staying on there Equifax is the only one thats reporting this the other XXXX credit reporting bureaus have removed the account as being fraudulent why formation and do you have that 's proving this account belongs to me I mean my credit report have shown variations in my social security number being used at one point there where a couple mail forwarding addresses that have been removed at this point I mean obviously it has my name on the card and I would imagine that a lot of the information is very similar or the same this is why its called identity theft but I would like details as to what information you have obtained that has led you to the conclusion that this card belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The account is a pay day loan from 6 years ago. I never paid this account late, it was automatically taken from my account. The company refuses to admit the information is not correct however, I have sent Transunion the information from my account which can still be accessed online, I will attach this information. There are two issues with what is being reported, first if XXXX XXXX gave me XXXX pay day loans at the same time, they violated the law. Second, they even report the account was paid and never late, which means they are reporting false information. Yes I was young and dumb getting this payday loan but there is no reason for them to report false information unless they are doing it to hurt credit scores so people like me ca n't get conventional loans. I gave this information to Transunion and they told me that, the reporting company reports the information and they just put in on account, I asked even if I supply documentation showing it was paid and never late, they said yes, it is up to reporting company. Because the reporting company refuses to change and they mailed me something saying their records show I paid late but yet online records show it was paid and never late. So credit bureaus wo n't take evidence from normal consumers but will take information from companies as legitimate even when seeing receipts and documentation disputing what the company claims in the reporting. So consumers are now required to sue the company and credit bureau to get this inaccurate information removed. How is this possible?

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 12-11-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (MI).
Issue: Can't contact lender

Complaint: Check smart is calling my place of work and when I asked that they stop they refused, telling me to call a different office but refused to provide that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/XXXX I filed a proper dispute on an unknown medical account with Experian. On XXXX/XXXX/2015 I received a response to my dispute stating that they will not re-investigate the dispute because it was previously disputed in XX/XX/XXXX, more than two years prior. I then contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Experian, re-disputed to Experian with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute. Experian 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Experian is the only credit reporting agency that is erroneously reporting this account on my reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Credit determination

Complaint: On XX/XX/XXXX I applied for an " Amex XXXX Credit Card '' through the American Express website. American Express 's automated system then pulled my " XXXX credit report and automatically declined me due to a " low credit score. '' I have been trying to get a live " human '' credit analyst to review this application with me, as I was unaware Amex would be pulling " solely '' from XXXX which has a score of XXXX XXXX My XXXX is XXXX and my XXXX is XXXX XXXX, but unfortunately no one has contacted me from Amex at this point. Quite a few years ago, I unfortunately defaulted on a student loan that I did not have the ability to pay back at that time. However I got back on track, and paid off the loan in full, so there is no longer any outstanding debt, and despite it being paid off in full, that XXXX incident will remain on my record until XX/XX/XXXX I have a credit card with both XXXX for {$3000.00} and XXXX XXXX for {$2000.00} that have been paid in full each month, as well as {$1200.00} in savings. I was hoping to finally join the American Express family, and would really like to speak to someone from the " executive office '' of Amex to reconsider my application. I 'm willing to prove my " creditworthyness '' to Amex, so I ask that they just approve me for the amount that is currently in my savings account right now XXXX {$1200.00} XXXX and let me earn their trust. I have always loved Amex and everyone in my family is a member of Amex, so I would like to finally have the opportunity to do so myself. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This Two Credit Report Agency Experian and XXXX, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  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