milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.

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 08/30/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: A contract for the purchase of a XXXX XXXX XXXX was executed on XX/XX/XXXX with Credit Acceptance CorpXXXX providing finance. Copy of Contract Attached. A down payment of {$1500.00} was placed on the vehicle. The initial cost was {$7600.00} ( less {$1500.00} ) with a balance of {$6100.00} financed. A warranty was purchased ( {$1500.00} ) and GAP Insurance ( {$720.00} ). On XX/XX/XXXX, the vehicle was declared a total loss by XXXX. on or around XX/XX/XXXX,  XXXX, a customer service representative from Credit Acceptance, advised me that the warranty was cancelled internally effective XX/XX/XXXX, and a refund check would be forwarded to me within 21 days in the amount of {$2500.00}. On XX/XX/XXXX, I spoke with XXXX, Supervisor,  ext. XXXX to discuss the settlement breakdown ( attached ). Further I requested an estimation of when I would receive the above refund for the warranty. XXXX advised that I was provided with incorrect information and that they do not have a XXXX who is employed at Credit Acceptance. Further, there is no indication that I would receive my initial deposit back! This is unacceptable. Not only has Credit Acceptance refused to mark the loan as " paid in full '' but they have stopped me from getting a replacement vehicle and caused me to incur charges to rent a vehicle. I am requesting that the warranty refund and my initial deposit be returned to me immediately as well as any and all monies incurred for a rental vehicle from XX/XX/XXXX to the resolution of this matter as I can not afford a replacement vehicle until I receive these funds, They have delayed this matter for over 8 weeks. All back up documentation is attached hereto,

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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX/Bankruptcy # XXXX, and # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Thursday, XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with another agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2017. 
I demand that this public record XXXX/Bankruptcy # XXXX and # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX # XXXX and Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I attempted to get a refinance mortgage. Amerisave charged me {$420.00} for an appraisal and then proceeded to send me inaccurate paperwork. They did this 3 times and when I told them I could n't sign inaccurate paperwork they closed my loan application saying I did n't respond. I have contacted them XXXX times and they are refusing to contact me back. I looked up Amerisave Mortgage and there was a lawsuit by the CFPB that Amerisave lost forcing them to pay a large amount of money for illegal practices such as this. Well, they still are doing so. I would like my money refunded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (LA).
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 am filing this dispute against FedLoan due to the incorrect information that is being reported by XXXX and XXXX. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 FEDLOAN accounts have a {$0.00} balance and they were Transferred/Sold in XX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and XXXX and I have received dispute results stating that FEDLOAN verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that FEDLOAN send notice to XXXX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a debt currently being reported on my credit report that does not belong to me and that the issuing creditor refuses to remove. After reviewing my credit report ( see attached ), as I do on a regular basis, I determined that an invalid debt existed on my report. I contacted my legal counsel who contacted the creditor telephonically and via written correspondence ( see attached ). The credit reporting agency indicated that the debt was associated with another creditor but refused to remove the debt from my credit report and refused to provide proof of debt as requested by my counsel. I have disputed the debt with the credit reporting agency TransUnion and received the attached response. My counsel suggested I file this complaint to prevent this invalid debt from impacting my security clearance and my assignment cycle. 
Your assistance is appreciated.

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 03/26/2015 about Debt collection (I do not know) with I.C. System, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected?

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Medical) with Sherloq Group, Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX, XXXX canceled my appt. I exclaimed the termination and they had said not to worry, since I spoke with billing each time " no worries '' w/apologizes, now continues bills from collection agency. I do not owe, they were going to make it the one day retro active..

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with Rochester Home Equity, Inc. (NY).
Issue: Settlement process and costs

Complaint: We contacted Rochester Home Mortgage regarding a refinance after viewing an advertisement they placed. It turns out that the company purely induces people to submit documents and charges a " nonrefundable '' charge. There is no one at the company, they all " disappear '' when trying to further the process. They scam people buy charging the credit cards without intention of doing anything further with an application. They lie repeatedly and there is no actual business conducted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account is fraudulent and they will not delete the trade line even though its been disputed twice and the original creditor acknowledges they have no knowledge of account.

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 05-07-2015 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with GMA Investments, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have been receiving calls from XXXX at Summit Receivables ( XXXX & XXXX ) regarding a debt for XXXX XXXX XXXX at phone # XXXX. The phone number is my XXXX number that I have had for over five ( 5 ) years, but I do not know the above mentioned XXXX . XXXX. Today was the fifth time the agency has called and the fifth time I told them that there is no XXXX . XXXX with this phone number. Please advise how I get them to stop calling me!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a complaint because I have contacted Experian and XXXX in writing, detailing fraudulent activity on my credit report. I have ask XXXX to verify this fraudulent mortgage account showing on my credit report. After requesting in writing and also talking to XXXX, I was told they do not have any documents ( Loan origination or Foreclosure filings ) on this account. I have additionally visited/contacted the XXXX XXXX courts system and they have no documentation of this foreclosure or any foreclosure with my name in their system. I have contacted Experian to request an investigation to no avail. 
Chapter XXXX of XXXX XXXX XXXX XXXX states that creditor are required by law to produce documents pertaining to a foreclosed mortgage account within 30 days of receiving a qualified letter in writing. I have requested in writing twice with no response. I request Experian promptly delete all information which can not be verified. Please resolve this manner as soon as possible. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX  ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello, I set up a credit freeze with Experian about 6 years ago. I misplaced my PIN number to get the freeze lifted, and so filled out the form online to prove my identity. The website did not accept my information for some reason, so I mailed Experian documentation to prove my identity. I did this over a year ago, and received a response that my request to lift the freeze was rejected. Experian did not state why and what else I needed to submit, even though I followed the instructions exactly. I then tried recently ( XX/XX/2016 ) to submit my documents online, but they were rejected by the system, even though I followed the instructions to a tee and provided all the required documents. I then went to my local Experian office to get help and was told that it was just a call center and nobody could help me ( even though this is the address where the documentation to lift the freeze is processed ). In addition, I made multiple phone calls to try to talk to a representative but could never get a person on the line because they do not provide the option to speak with anyone. I have been trying to rent an apartment and can not because of this freeze. I have spent many hours trying to get the freeze lifted with no luck. I am very sick and in a XXXX situation due to XXXX in my home and need to move immediately but my plans are being held up because of this credit reporting company. Please help! I can not get in touch with a human being so this has been impossible to resolve. Thank you so much!

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: incorrect amounts on accounts.Accounts over XXXX years still on credit report, inquires wrong incorrect

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 10/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Several of my accounts as well as my information was compromised back a couple of years ago without my knowledge. By the time I realized what was going, the account was sold off to a third party collection agencies so therefore, the damage was already done. I reached out to Target Bank on several occasions trying to get information regarding the account so that I could determine it was truly my debt and all they replied with was that we no longer service this account. Therefore, I requested my credit report and contacted the collection agency XXXX XXXX requesting advising them that I believe this account had fraudulent activities on it prior to it being sold. I also asked them to provide me with copies of all activity including the transaction history so that I could review it. They stated they would provide it but I never heard back from them nor did I receive anything. I even tried reaching out to Target requesting to speak with someone in their fraud/resolution department and all they reply with is that you have the put the request in writing in which I already have but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan was sold to navient, I tried to contact them on several occasions so that I could set up a payment arrangement and they would n't give me any information. They kept telling me that I had to wait until it had been processed into their system. Meanwhile, this issue was severely affecting my credit score, as it was showing that my loan was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Struggling to pay mortgage

Complaint: I was the victim of a wrongful foreclosure due to the Massachusetts Court ruling from the XXXX Case.
The property was wrongfully foreclosed by XXXX XXXX XXXX on behalf of Chase Mortgage.
The property in question is XXXX XXXX XXXX, XXXX, Massachusetts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (AZ).
Issue: Incorrect information on your report

Complaint: I have tried to print my mortgage statements from US Bank Online and the system has been down for 4 days. 

Can my 3 months of mortgage statements be emailed to me 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 10/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: They purchased a time barred account that was based on identity theft and have violated FDCA by renewing the statute of limitations illegally. I 've sent a cease and desist letter informing them that the account is time barred and I 've also learned that the company is n't bonded to collect debt in the state of Texas, thus violating Texas State Law. There are numerous FDCPA violations and I 've hired an attorney to proceed with filing a lawsuit against them for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Wells Fargo ... ... I tried to dispute it as instructed, they have been taking 4 months to resolve it, the law says 30 days

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 03/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XX/XX/18 I called Bank of America to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that my interest rate was the lowest they could do, without even asking any questions and said there was nothing they could do to help and suggested I look into a debt consolidation company.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report

Company response to consumer: Closed with explanation