milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 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: Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : TransUnion : XXXX : To : TransUnion, XXXX, & XXXX. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, TransUnion, 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 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went on line for a free credit report from Experian and bought a credit score for {$4.00} with my debit card. Then they started charging my debit card {$19.00} for 2 month now. I think this was a trick. Is there anything I can do? That was {$40.00} I do not have ...

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 08/20/2015 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get phone calls weekly from a XXXX asking for payment of a debt for a doctor which has been inflated to include a {$92.00} fee for the collection. I answer sometimes and call back sometimes because I am afraid if I do n't they will take further action. He challenges me and tries to get me to say things that are not true. I have told him several times that I will pay the medical bill but not the extra fee even though I felt the original bill was inflated and my problem still exists. I have been through a very rough time in my life. I have been trying to fairly resolve issues that went unresolved during this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called NCC and made arrangements to pay a debt that I owed and XXXX XXXX continues to call me. XXXX XXXX calls me and he seems not to remember that he has called me. XXXX XXXX calls me all the time early in the am and XXXX and XXXX times a day. I have made a payment on the debt and stated when I was going to make other payments but XXXX XXXX continues to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: Wells Fargo never disclosed that the minimum payment that they charge on the account is based on the HIGHEST outstanding balance and once set stays the same until ALL balances are paid off. These balances were taken out on zero % with varying due dates to avoid interest if paid in full. Because of the high minimum payment, I am being forced to pay off the card BEFORE the zero is actually due. This is deceptive trade practices and is forcing both a higher minimum payment being reported to the credit agencies as well as depriving me of the 0 % benefit without any notice that this is their practice. This is an abusive practice that is damaging consumers who take out store credit with Wells Fargo and should be investigated, changed AND PUNISHED! 

They also apply the monthly payments in an incomprehensible way to where you have items that are due later getting more paid off than items that are due sooner. This bad application could also cause someone to miss the due date on items that are due sooner and so incur the interest that the consumer had fully planned to avoid based on their payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Initially was not given a written notice to dispute debt. After I received it via email, I responded in writing to dispute the debt. I did not receive any response, and was then contacted months later stating they had reported the debt to the credit bureau. I had requested documents to forward to my lawyer, but they stated they could only provide verification and documentation to the lawyer and would not provide any verification of the debt. After speaking with my lawyer, he advised that it would not be financially beneficial to retain him for the amount of the debt and advised me to file a complaint for the company 's lack of compliance of debt collection policies and procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax leaks my personal information, and the information of millions others, and does n't tell any of us, directly, for over 30 days. I learned from the news. Completely irresponsible, the company should be shuttered and its executives driven to bankruptcy. Also, they have the gall to push their services on the site that tells us if we were compromised? Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Experian a dispute on XXXX/XXXX/2016, XXXX/XXXX/2016, and again on XXXX/XXXX/2016. It is now XXXX/XXXX/2016 and I have not heard back from them. According to the FCRA, Experian has 30 days to investigate the dispute and send me the results, if they do not get back to me they are supposed to delete the disputed accounts. I understanding going a few days over but, it 's been over 3 months and I have not heard anything back from Experian. Please contact Experian and have them delete the disputed accounts off my credit 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 explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon an annual review of my credit report on XXXX, I noticed an account in collections I did not recognize from AMSHER COLLECTION SERVICES in the amount of {$2200.00}, beginning on XX/XX/XXXX, for  XXXX XXXX XXXX. 

XX/XX/XXXX - Called AMSHER directly and they told me that even though I've never had XXXX XXXX service in my life, this was legitimate and I needed to dispute it through the credit bureau. 

XX/XX/XXXX - Opened dispute online through XXXX XX/XX/XXXX -  Dispute results became available. AMSHER stated that the collections claim was legitimate and it would remain on my report XX/XX/XXXX - Called AMSHER once again to dispute the collections claim. Spoke to a XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX, XXXX based in XXXX, AL. He asked for my SSN and name. He informed me that my name didn't match the account in question, nor did my address. The account in question is under XXXX XXXX at XXXX XXXX XXXX, XXXX, TX. I do not, nor have I ever lived there and that is not my name. 

XX/XX/XXXX - Reviewed my credit report once again and found discrepancies with my past addresses, name spelling and SSN, including the name and address mentioned in the collections claim. I opened cases with XXXX and all incorrect information was removed from my report. 

XX/XX/XXXX - AMSHER responded to the dispute through XXXX and stated that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Please help, this information is NOT correct and it's affecting my credit score. Please let me know the next steps. Thank you. - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with J.S Resolution Group, Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been receiving phone calls from J.S Resolution Group , Inc. 
for a loan that was included in a chapter XXXX bankruptcy. I attempted to give my attorneys information to the person calling me and they started yelling and hung up on me. They said they were going to sue me and garnish wages. 

I have also contacted Washington State attorney Generals office and filed a complaint and that complaint was resolved. They stated that they knew I was in BK and they would stop calling me. This was XXXX 2015. Today I received a threatening call at work and started receiving threatening voicemails about being sued and garnished wages. This is not okay and needs to stop. I have taken the action that I am responsible for, and they could have responded to the BK paperwork and been included in the payment plan. 

I have received calls from XXXX, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 05/17/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: During the past 11 months, including today XXXX/XXXX/2015 @ XXXX est, XXXX and other phone numbers have called repeatably, sometimes XXXX times in a day, mostly not leaving a message but sometimes leaves a robo-message they are debt collector trying to collect a debt that is not mine. I have talked to a few, addressing I am not the person that is the debtor, nor do they or ever have lived with me and told them to quit calling me. They use the above number after having called from another number trying to collect the same debt. This is a very abusive and harassing attempt from them and I 'm sick of all them calling. I do not owe any old debts that are under 3 years. I also have had a threatening arrest and serve papers message left and saved on my answering machine. I 'm not sure if above number was that call though, but would be willing to play it so you could hear. 
Above number last XXXX calls XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 14 months Selene Finance has not been accurately reporting payments they have received. We have been paying them on time every month, and they have been sending delinquency notices to each credit bureau. They also claim that we owe XXXX dollars when in fact they are holding it in a suspense account and are not applying the funds the way they should. When we call them to rectify the situation, which are monthly calls, we are told it will be 30 days before we see the problem has been corrected. 30 days has come and gone 10 times.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Bankruptcy

Complaint: I had a reward card for numerous years. I had built up a substantial rewards balance on the card. This card was usually always paid off monthly. The charges were substantial. As the result of losing a contract and closing a business with XXXX locations I was forced to file chapter XXXX protection. There was no balance on the credit card company, in fact a small credit balance. Immediately on filing chapter XXXX the credit card company closed my account and said I forfeited my rewards points. This feels like fraud to me and very unethical. The card was used, they made their money on the businesses, I owed them no balance. This was over XXXX points. I 've spoken with the company and XXXX different customer service reps and told the same thing that I forfeited the points. If this is legal then it should be made illegal as its certainly unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am in a   XXXX   XXXX   XXXX   with  XXXX  assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.

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 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there are collection charges through the state of wisconsin under my account which I am not aware of or is not viewable through the state 's CCap program. I have been receiving numerous collection papers via mail for accounts that are being collected which I am not aware of. This information can be viewed on experian and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Call to my office that I have not provide the number to them

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 03/22/2017 about Debt collection (Credit card) with Firstsource Advantage, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Over the past three years I have reported to all three credit companies on inaccurate information and accounts being reported. Equifax is the only company reporting inaccurate information after having reporting this issue to them more that 7 time. They have fail to provide written proof of signature or any valid proof between myself and these companies who they claim I have debt with. The other two credit companies have investgated my claims on these same accounts and have since removed them due to lack of absolute proof that these accounts are mine. Also the amounts on these accounts have gone up since I first reported one being this XXXX XXXX that I have never lived it started off at XXXX and now its at XXXX for a apartment that I have never lived at nor had any contact with they are reporting addressing in the city of XXXX XXXX that I have never lived after they where removed due to inaccuracy, social security number that doesn't belong be me nor have I XXXX XXXX XXXX have ever used. This is the third time this year in 2018 I have reported this. Each time i have side something the all the information in the accounts change dates, balance everything thing and these accounts aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Trouble during payment process

Complaint: I have tried to get a copy of my mortgage but no response. Following are emails sent to and from Mr. Cooper ( formerly Nationstar Mortgage ). 

LOAN NUMBER XXXX Why did my payment increase? The interest rate did not change. If it did why? Where in my mortgage agreement does it indicate you can change my rate and what is the rate change based on. I what detailed answers. XXXX XXXX XXXX Mr. Cooper 's response : Subject : Re :  Other ( Not Listed ) [ # XXXX ] From : XXXXXXXXXXXX Received : MonXX/XX/XXXX XXXX Thank you for contacting Nationstar Mortgage. 

We apologize for the less than satisfactory customer service experience you received and would love the opportunity to examine your issue further to find a satisfactory resolution. We have forwarded your inquiry to our Customer Relations Group and a letter of acknowledgement will be sent to you from your assigned Customer Relations Specialist within 5 business days. 

We understand that a mortgage is one of life 's most important investments, so taking care of your issue is our number one priority. 

The Customer Relations Group hours of operation are Monday through Friday, XXXX XXXX to XXXX XXXX Central Time and can be reached at ( XXXX ) XXXX. 


Should you have any additional questions regarding your account or to view details about your loan summary and recent account activity, visit us online at www.MyNationstar.com. You will have immediate access to : Frequently asked questions, A full payment history, Escrow information. 
Automatic payment enrollment Mortgage Loan, Escrow Account Disclosure, and Tax and Interest Statements As a valued borrower, your satisfaction is our top priority. If we can be of further assistance, you can contact us directly by clicking on the mail icon in the top left of your Nationstar Mortgage online account or you can call our Customer Service Department at XXXX. 

Sincerely, Research and Response Department Nationstar Mortgage LLC

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Other debt) with ERC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an account with XXXX for internet services While living in my RV at an RV resort during my move from one state to another. I moved the RV to family estate property and contacted XXXX about the move and asked to transfer services to the new living area. I continued to pay on the account as usual without fail and on time. Then XXXX tells me I owe and an account was delinquent. We ( XXXX and I ) on a phone conversation discover that XXXX created a second account instead of transferring the already existing account to the new town I moved to. Not my fault, not my error. Due to the mishandling of account and poor service quality I terminated my business with XXXX. The one account was paid in full and there was no issue there but XXXX put the account they erroneously made into collections. An account I never used nor had knowledge of. They then wrote off the account and sold it to debt collectors. Not ONE but TWO. XXXX XXXX and ERC ( enhanced recovery company? ) Both reported the negative information on my credit report AND for different amounts. {$120.00} for ERC and {$160.00} for XXXX. I disputed them when I discovered them and the credit burrows had it removed as it was duplicate. That was XX/XX/XXXX. On this day XX/XX/XXXX I get a letter from ERC now asking for {$590.00} or they will report it AGAIN on the credit report. <P/>If XXXX wrote it off and sold it to a debt collector why are there two collectors reporting different amounts and how can a debt collector report a bogus claim multiple times? <P/>What is going on here? How is this kind of extortion allowed to take place? How can one item be allowed to be reported multiple times? As a 23yr XXXX XXXX veteran this is what I worked for? So a company that created an error can tell me to pay for a service not used under an account I never knew existed and then it gets reported to multiple debt collectors which in turn hit my credit report multiple times for the exact same thing that should n't exist in the first place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identify theft. A person has tried twice to open a Capital One credit card once in   XXXX   2017 and another in   XXXX   2017. Both times  XXXX  contacted me and we had calls with Capital One and identified as fraudulent. Capital One stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for   XXXX    2017, but for  XXXX  2017 they missed  XXXX . I have written twice to Capital One 's fraud department explaining about the fraud and they missed the hard inquiry with   XXXX   and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.

Company response to consumer: Closed with explanation