milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a complaint to the CFPB about a month ago, case # : XXXXQuick rundown of that complaint : I had XXXX collection accounts that I 've disputed over XXXX times and Experian refused to acknowledge or even conduct an investigation. I called the debt collector and they told me they requested they be deleted months ago. So I filed a complaint with the CFPB. Through that complaint, Experian agreed to remove those items from my credit report. I confirmed the accounts were removed by ordering a new credit report on XXXX/XXXX/2015. On XXXX/XXXX/2015, I got a credit monitoring notice that the XXXX collections accounts had been re-reported to my Experian Report. Today is XXXX/XXXX/2015 and I did not receive written notification from Experian that the accounts were being re-reported, violating the FCRA yet again. Section 611 5 B ii ; which states : Notice to consumer. 
If any information that has beendeleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agencyshall notify the consumer of the reinsertion in writingnot later than 5 business days after the reinsertion or, ifauthorized by the consumer for that purpose, by any othermeans available to the agency. 

I am getting really frustrated with this company constantly violating my consumer rights. How are they still in business? I 'd like them to be reprimanded and I 'd like this inaccurate information deleted form my credit report and blocked, so it can not come back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MT).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I have an existing mortgage loan through Wells Fargo home mortgage. I have had auto pay set up through my bank to the lender and have had for years. 
This fall I switched banks. In the process I set up my XX/XX/XXXX payment through this new bank online with Wells Fargo Home Mortgage. During this process I forgot to set up auto pay with my new bank. As a result I did not make XX/XX/XXXX 's payment. I have quite a bit of cash coming and going through my account. XX/XX/XXXX rolls around and I noticed my level of cash in my bank account seemed to be too high at this point. I went online to review my checking account and noticed my Wells Fargo payment had not been deducted yet. I then realized the problem immediately. I went to the online payment method for Wells Fargo and made XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX. 
With this happening I also realized they reported me 30 days late to the credit bureaus. 
I set up an online email with a customer service representative and he basically told me that there was nothing they could do. They made no mistake, However, I agree that they did not cause the late payment but they did not contact me whatsoever in light of my non payment for the month of XX/XX/XXXX. I received a statement which I get every month and had no reason to think there was something wrong as I do n't need to read them every time. I received no phone as they stated they made. If I did I would never have known as they never left a message. I also did not receive any letters in the mail stating their concern. I have spoken to three different Wells Fargo representatives yesterday and none of them would go do anything to help me out. I have been a very good customer and never missed any payments. With any lenders for years. I was very disappointed in their decision and feel they do n't understand the gravity or care about the damage this will cause to my credit. If they did n't make any effort to send me a letter, alert me through an email, or cal and actually leave a message how is this fair to me their customer. I feel this decision could have been handled much better and am asking for assistance in getting Wells Fargo to admit they did n't notify me properly and to ask the credit bureaus to remove this bad mark against me. 
Please let me know what you can do.

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 11-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I recently signed a loan modification agreement with Nationstar. In the agreement, our new payment effective XX/XX/2016 is to be {$2200.00}. I accessed Nationstar online this morning to make my first payment -- and was shocked and extremely disconcerted to learn that the payment was changed to {$2300.00}. We contacted Nationstar to ascertain the reason for the increase. We were summarily informed the an escrow analysis had been conducted -- SUSPICIOUSLY AFTER we signed the loan agreement -- and due to said -- our payment increased. We asked why had this information not been disclosed to us -- as this " escrow analysis/increase had been done unbeknownst to us. We stated that had we known that the new payment was not going to be what we agreed to ( and are in possesion of the signed documents to this effect ) then we would never have signed the loan. We were condescendingly informed that the stipulations for payment increases are reflected tin the documents that we signed -- and we should have " looked closer ''. Nationstar is guilty of false representation. They presented us with a new payment on our loan effective XX/XX/2016 -- and changed the payment, based ostensibly on wording that is buried, and written in a stealthy manner in the loan agreement. In addtion, an arbitrary " escrow analysis '' was done to increase our payment -- even before the first payment was due -- which was not disclosed to us, nor did we sign for. The games that Nationstar is playing with our mortgage is against banking laws..and the fact that they apparently will not honor the payment that they presented in the loan agreement -- and we agreed to, and are in possesion of the documentaion to this effect -- is analagous to a breech of contract. 

Nationstar continues to earn its " XXXX '' rating with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX/XXXX/08 I went to the clinic for stitches. I asked if they accepted XXXX XXXX and was told they did.XXXX XXXX XXXX paid them {$190.00} on XXXX/XXXX/08. I paid them the {$21.00} which was my obligation. When they billed me {$190.00} I contacted my insurance co. and they sent a letter to XXXX XXXX telling him he had been paid the negotiated fee he had agreed to in his participation agreement. He then turned it over to ARS ; I sent them letters and a copy of the explanation XXXX XXXX XXXX had sent to XXXX XXXX and me but it was never removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My social security number was compromised in XXXXXX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX repeatedly files - and has not removed - a disputed account. The account is still showing on my credit report. They no longer hold the debt and another agency has begun collecting me - and I 've disputed this multiple times and have never received a response from them or from the original creditor. 

Their reporting of a disputed bill - and failure to remove this - is illegal and should be addressed. The report on my credit report is below. 
- Collection Accounts : Accounts seriously past due XXXX XXXX Original Creditor : MEDICAL Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They called my cell phone, told.me it was recorded and placed me on hold. I hung up. I called them back. They asked me to verify myself and needed my last  4 o f social. I asked what it was concerning and he told me once I verified who I was they would tell me. Said by Federal law had to have  two for ms of verification. I told him to send it to me in writing that was Federal as well, and until then to   XXXX    XXXX   XXXX . I then hung up and called back again. A female not speaking fluent English. Asked for phone number. Gave it to her. Asked if I was   XXXX   XXXX  . I said yes ... that to me i s two forms o f ID. Then asked for last  XXXX  of social. I again refused and asked who she was with. Could not tell me without verification. She then asked for middle initial. I told her "  XXXX  ''. She then said that did n't match and needed me to verify address. I told her she now had three forms of ID. Still refused to tell me who she was with or representing. I then hung up again. Has been added to my reject call list.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters b ut they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.

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 09/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have made multiple attempts to obtain the legal supporting documentation to provide proof that the account LVNV Funding is reporting on my credit profile belongs to me. This company continues to ignore my certified requests. They 've verify with the credit bureaus that the account they are reporting is accurate ; however, they 've refused to supply the substantiating documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.

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 12-08-2015 about Debt collection (Credit card) with Sullivan Asset Management, LLC (IL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX got this debt firat and then sold it to XXXX XXXX and then sold it to Sullive asset management. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Payday loan) with Nationwide Intermediary Services llc (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Nationwide intermediary services threatened to take legal action during harassing phone calls

Company response to consumer: Untimely response
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with High Point Asset Inc (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving phone calls from a XXXX XXXX from High Point Asset. He claims he is a debt collection agency for a payday loan the went partially unpaid in 2010. He was unable to give me any additional information on the debt. He was n't even able to tell me who I owed the debt to, but insisted I pay him over the phone to avoid legal action. I told him I did not believe I owed any thing and would look for the missed payment in my bank records as payday loans are withdrawn electroniclly.He Said even if my bank records showed I paid the loan that was not enough proof. I also told him I needed paper work mailed to me proving that I owed the money. He stated he did n't have anything like that and the burden of proof was on me. He did email me a document ( he refused to mail anything ) that said I owed High Point Asset money but had no information about where the debt originated from. I feel very strongly that this is a scam and expressed this to XXXX XXXX. He continues to call myself, my husband and my parents ( I have not lived with my parents for more than 10 years and do n't know how he got their number ). I contacted the payday loan company that I had a loan with in 2010 and they said my debt was paid in full with no problems and cautioned me against giving High Point Asset any personal information. The phone number I am receiving phone calls from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MO).
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: Adverse account reporting incorrectly on credit report.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # xxx-xx-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 12-12-2017 about Mortgage (Conventional home mortgage) with SUMMIT FUNDING, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: applied for a mortgage to refinance a residential property the loan to value was less than 50 % adequate income and credit score above 800 they turned down the loan ; I think it was because of age ( too old ) I ask the company manager for a written turn down ( twice ) ; never received one ; also ask for a written turndown letter from the mortgage resprestative

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