milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My complaint is as follows ; In XXXX years of life I have never paid a single dime in interest on any credit cards. I have owned my home for 32 years, purchase in XX/XX/XXXX with a 30 year mtg, refinanced in XX/XX/XXXX with a 20 year mtg and then paid off the mtg about years early. I have purchased at least XXXX brand new cars over the years for cash, leased XXXX others and purchased XXXX others with partial loans, all paid off early or in one case on time. I have financed XXXX my children 's college educations over the last XXXX years without any subsidies or loans of any kind, not a single dime owed by me or my children. All of my credit card bills are paid in full each month, no interest ever paid. The only blemish is for a {$15.00} fee with one of my banks paid late which is now in dispute with EXPERIAN. This blemish has already been removed from the banks records according to the bank. This past week I attempted to rent an apartment for my daughter at near new college as she will now be completing her XXXX Degree. I have been denied this apartment because I was told that my credit score was under XXXX. 
I checked on EXPERIAN 'S website and this information appears correct. My Complaint is XXXX fold. One, I think that that the way they have computed my score is wrong. When I called EXPERIAN today and called them on how they computed my score I was told there is some computer algorithm that computes the score. My second complaint is how on this EARTH can I have such an appallingly low credit score based on the information I have provided you and it is my opinion that the way they determine these scores is somehow corrupted. If you agree with my complaint and will go forward I will provide any information you need to support the basis of my complaint, which in fact EXPERIAN should have anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 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: XXXX XXXX XXXX # XXXX {$240.00} This account is unknown to me. I have disputed this account to Trans Union on as many as ( 5 ) times since seeing it on my credit report. I have reported this unknown account to the FTC and was provided with an Affidavit case number XXXX on XXXX XXXX 2015. 

Pursuant to the FCRA and the FDCPA I now exercise my right to question the validity of this debt you claim is verified but yet I have received the FULL validation documents as dictated in the creditors debt collection declaration and is due under the Fair Debt Collection Practices Act section 809 Validation of Debts. It is not just that the Trans Union can state that they have verified a debt that I know is not mine and therefore can not be validated as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). I request that Trans Union please forward their FULL Validation package to me by mail.

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 01-12-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX sold my account to XXXX XXXX with full knowledge that fraudulent charges had occurred. 
back in 2015 I notified XXXX XXXX XXXX of unauthorized charges that I did not recognize on my billing statement. my card was shut down for protection and a claim was opened for this and a new card was mailed out. 
I never received a new card, no communication that an investigation was conducted or the result of said findings. I did notice only 3 small charges were credited on the statement. I continued to question procedures and further dispute. I was ignored and was continually pursued for charges that I am not responsible for. I refused to pay as I am not legally liable. XXXX XXXX then insisted that I owe them and charged off the account and sold it to a collection agency who has ruined my credit. after filing a dispute with the credit bureaus both XXXX XXXX and XXXX verified the data. XXXX XXXX has not supplied any records to me but XXXX XXXX continues to call me regarding the balance when they no longer have the account. its too late to request new investigation. XXXX does not have all the records.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I have been paying Wells Fargo Dealer Services more than the due amount every month. They have unlawfully charged me insurance fees, fees that ONLY cover the company in case anything happens to the vehicle and repossessed my car with no notice. 
Wells Fargo has done everything they can to keep the vehicle. I have been treated poorly by their representatives who are looking at the account and yelling at me like I owe them money, without even looking into the charges. 
No one that can help will speak to me. I have been given the run around and transferred over and over again. The few that I have spoken with have been very rude. 
They have now contracted a third party auction place who is charging me {$1000.00} in fees ( transport fee, storage fee, fee for items IN MY VEHICULE, ect.. to get the car back and is at this point, doing everything they can to keep the car and sell it an their auction. 
They transported the vehicle over XXXX miles away from my residence and expect me to find a way to it. 
You 're better off with a small bank or credit union. Wells Fargo could not care any less about any of their customers as long as they get paid.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: The burden of proof is on Equifax, XXXX, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to Equifax, XXXX, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. Equifax, XXXX, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to Equifax, XXXX, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against Equifax, XXXX and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: With reference to my complaint number XXXX, Ocwen stated they had corrected their mistake and placed my account in a current status. This is a FALSE AND MISLEADING STATEMENT. See the attached screenshot of todays date. When I log into their web site, it STILL indicates that my XX/XX/XXXX payment has not been made. Additionally, the web site is trying to require me to make BOTH THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS PLUS PENALITIES PLUS A {$10.00} EXPEDITED PAYMENT FEE. I have called Ocwen and emailed BOTH the ombudsmans office and customer service, and have received NO REPLY. I believe that Ocwen is preventing me from using their web site in retribution for me filing complaints with Consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: There was an incorrectly reported 30 day late payment on a XXXX XXXX  revolving account. I spoke with the creditor who told me what to do ( go through the dispute for it to be corrected. ) On XXXX/XXXX/2017 ( # XXXX ) I disputed as instructed, investigation was completed on XXXX and it was corrected. ( Screen shot of correct reported attached ). However, after this was completed and corrected, Equifax re-added the 30 day late. I have continuously tried to get them to fix this to no avail. I do not believe that Equifax is investigating and reporting the correct information as should.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is an old medical debt with no way of settling or disputing. No one has co operated with me I was under my mothers insurance and suffering now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XXXX of 2017 a creditor by the name of XXXX XXXX XXXX XXXX appeared On my credit report. I disputed the account immediately with the credit burea as well as the company along with CFPB. CFPB case # XXXX. The debt was removed from my credit and a cease and desist order was placed. In XXXX of 2017 I noticed that the same debt appeared back into my credit report without any notification from the credit bureau or the creditor. I am asking that this debt be removed as it is not valid and am requesting proof of debt with signature. Also the credit bureau did not properly notify me that this debt would be placed back into my report as required per the FCRA.

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 04/17/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAD FORECLOSURE COMPLETED ON XXXX/XXXX/2009 FROM XXXX XXXX. IN ADDITION I HAD A XXXX MORTGAGE THAT WAS INITIATED AT TIME OF PURCHASE WITH CITIBANK FOR {$20000.00}. THE XXXX MORTGAGE IS STILL ON MY CREDIT REPORT AND BEING REPORTED AS A NEGATIVE ACCOUNT AND BALANCE DUE OF {$19000.00}. I WOULD LIKE THIS ACCOUNT TO REFLECT A {$0.00} BALANCE AS IT IS RELATED TO MY FORECLOSURE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I never received the bills from Best Buy credit card, and therefore was not aware of the payment dates, once I was contacted by phone I learned of the issue and submitted payments immediately, and have paid the balance in full. However, the missed payments have placed a bad mark on my credit report, and as I am a young father of XXXX children who is preparing to purchase a home that is dramatically impacting my life. Please remove these bad marks from my record as I never received the bills.

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 10/24/2015 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Fair Credit Billing Act 15 U.S.C. NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) and ( Ohio administrative Code 5160-2-07.17 Hospital Care Assistance Program ) Hospital Care Assistance Program sub section 2.5 FAQ 2.2a and 7.2, Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Here is the list of account s belowMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and AssociatesXXXX XXXX XXXX, OHIO XXXXRE : ( Accounts OHMSF/ TRAMAONE XXXX, XXXX, XXXX, XXXXThese accounts was covered under the Ohio Department of XXXX and they reported these accounts to XXXX, XXXX, XXXX , They have listed these accounts multiple times making the debt appear larger than what is owed on all XXXX reporting credit agencies, I disputed them during the past 90 days and they refuse to remove these bills that was paid under the ohio department of XXXX, I also sent this compliant to the Ohio Hospitals Associations, and XXXX Hospital , and XXXX hospital becuase they violated Ohio Hippa Laws for the hospital assistance program XXXX and XXXX the billing work was misdirected to credit collection agencies after it was written off and all of the workers in the billing departments for both hospitals was to forward the paperwork to both drivers insurance companies and to the hospitals billing department before HCAP was applied, i was a victim of a car crash of which i was the passenger this caused me to loose work for 4 years, I am on the verge of borrowing money to sue them and the agencies becuase the agencies are letting them publish this at my expense becuase they pay monies for their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/25/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Carrington Mortgage has been informed that a solid contract was in place, however they have continued pressing for foreclosure and will not stop the foreclosure. We have been more than forthcoming with the fact that this is ready to close but they tell us that we have to talk to the foreclosure attorney, the foreclosure atty says that only Carrington can issue the order to stop the foreclosure. We spoke to XXXX XXXX and she spoke with someone in home retention and they are passing it back off on the XXXX and XXXX the foreclosure attorney. Even with Autnorization

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles. Since there is not even a Citibank branch near my house or work, the bonus was a strong factor in applying for the account and outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.

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 07/17/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: Around  XXXX / XX/XX/XXXX  my mortgage was sold from   XXXX   XXXX   XXXX  . to Nationstar Mortgage. The terms were to remain exactly the same. The  XX/XX/XXXX ARM has an interest rate change date of XX/XX/XXXX , resulting in a payment change for  XX/XX/XXXX . My monthly statements from Nationstar puts the new interest rate on  XX/XX/XXXX .
I spoke with a customer service rep (  XXXX  ) on XX/XX/XXXX , another rep named  XXXX  on  XX/XX/XXXX  and a customer service rep named  XXXX  on  XX/XX/XXXX . These representatives acknowledged that I was correct, that my interest rate change date is  XX/XX/XXXX and my monthly statements continue to indicate it will be  XX/XX/XXXX .
I keep receiving refinance solicitations from Nationstar multiple times per week. I have no interest in doing any such thing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I went to Chase XXXX XXXX and XXXX XXXX XXXX # XXXX located in XXXX XXXX, FL. I had XXXX salary check in the amount of {$3000.00} to deposit, plus a another personal check in the amount of {$360.00} to deposit as well. I went through the teller line at the window. I had no concerns about holds since I was below the thresholds and did not meet the requirements under Reg CC for the other reasons there may be hold placed on the account.Upon arriving home I reviewed my account online and noticed that I was only given the {$200.00} out of the {$3300.00}. I called the Bank and spoke with XXXX XXXX who told me there was n't anything they can do unless " I wait until tomorrow to see what happens, if I still need the funds Chase MAY call to verify funds. '' I informed XXXX XXXX that position was not in compliance with Reg CC funds availability requirements. He insisted that the notice on the receipt that " further review may result in delayed availability of this deposit '' suffices and that they do n't deal with these issues at the Branch only there Legal and regulatory dept do. I was informed that if I wanted they would return the checks do me and I can deposit this elsewhere. I returned to the branch to pick up my check Employees were totally ignorant of Reg CC requirements " they depend on the system '' to figure it out! I wonder how many other consumers they are fleecing in earning interest in overnight funds ( but not paying interest to the rightful owner of these funds ) by engaging in such practices. The only defense XXXX XXXX could give was that " they would never make funds immediately available against an unknown bank. '' Seriously? There are so many ways to verify the legitimacy of a Financial Institution that it goes to further show how desperately Chase need to provide training for its front line staff and ensure compliance. Please investigate and advise on their practices. They have a " I 'm to big to fail attitude and anything goes ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery is calling my house at all hours of the day/night. I do not owe a debt to anyone. I have told numerous representatives on numerous times that they have the wrong phone number. I chatted with a representative online who said my phone number would be removed from the list. They called me again, at XXXX tonight, XXXX days later. They are harassing me!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Credit card) with Bayview Solutions LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a voicemail stating that a process service was attempting to serve me for a Notice to Appear. They left a phone number for me to call back to schedule the process server. If I did n't the case would proceed without me. XXXX XXXX XXXX or XXXX XXXX ( I called multiple times, it kept changing ) answered. I gave them the number that was left onmessage. XXXX and I scheduled a time. I asked him what this was in regards too. Thinking I was talking to a process server scheduler. At no time was I told this was a debt collector. He tells me it is for a tax refund offset that they filed for. He then proceeds to tell me I can settle and avoid the hearing. I am frantic at this moment, busy at work and not wanting a process server to come to my job. After he again told me that I was being given a notice to appear ( also on VM ) I make an offer. I still did n't know what this loan was or if I even owned jt. I was given very little information. I was scared. He tells me to make an offer. I was again thinking I was being sued. So I made an offer. I called back, sign contract and gave payment information for {$730.00}. The contract comes over from Bayview collection agency. I have NEVER heard of them. I then proceeded to look up informatiom on them and I got very bad reviews. I then called out Magistrates office and they said there is no lawsuit. I then call XXXX back. He hung up when I asked who he worked for. I called again and left a message and asked for a letter of validation and that I had concerns about the legality of their methods. No response. I do n't know this company, I never received information from them. I have no Debt on my credit report for this acct.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/2017, I filed a dispute with TransUnion in regards to an account that was being reported negatively. I have been seeking validation on this account for over 2 years with no physical proof that this account has been verified. TransUnion simply stated " Verified as accurate '', yet I have not been provided with any such documents by TransUnion proving this to be true. TransUnion has continually failed to show actual proof of the original documents of a signed agreement that was used in the alleged opening date validating the account belongs to me.

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