milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX, XXXX XXXX Result : XXXX 
Dispute Reason XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts

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 02/21/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX has an address listed under my personal information that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Services Association (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection company " Credit Bureau Services Association '' is collecting on behalf of XXXX XXXX XXXX on a lease that was signed with the intention to operate a business. Landlord was fully aware of this and it is stated in the lease agreement. This should not be a personal responsibility as me and XXXX other parties signed this agreement to operate a business and a business debt can not be reported on a personal report only that of the business. Additionally, the amounts attempting to be collected are inaccurate as when the lease terminated we have reason to believe that the property went under lease with another tenant and therefore duplicate rents can not be collected for a default and under a new lease with another tenant. XXXX spoke to me and XXXX of my partners and they stated the property was under lease with a new tenant and that the amount in collection would not be owed by us. I am requesting that XXXX XXXX XXXX provide the original lease showing that we intended to occupy property as a business and also the lease history of any and all tenants after the lease with our company " XXXX XXXX '' terminated. Additionally, XXXX XXXX XXXX still holds property that was left with an agreement to return the contents that was left behind before lease terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have made several attempts to get my loan payment reduced ( even prior to filing Chapter XXXX bankruptcy ) but no one at the XXXX seems interested. Currently, I only make {$50000.00} a year gross and that is not taking into account deductions for taxes, XXXX insurance, child support, and school tuition for the my child along with daily living expenses such as food, gas, required auto and renter 's insurance, etc. The most I could pay a month is {$50.00} a month. However, with the interest rates the XXXX has set, I would not even make a dent in the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX XXXX has a collection on my report. This was a fraud claim that was approved then clearly not approved. I sent a check for the balance to clear it. I have the court paperwork. The credit report agencies refuse to accept this over certification from XXXX XXXX. I have asked my attorney to look into filing suit against each credit reporting agency.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today I got a phone call from an unknown number. They inquired about a document I need to sign and send back. I told them I did not get any documents and they gave me a reference number and a new phone number to call. The new number was for a law office ( do n't remember the name ), they told me Wells Fargo was going to summons me to court. They wanted me to pay around {$300.00} now or over {$1300.00} if I lost in court. They claimed it was from 2012, but I 've never gotten a letter or a phone call today. Somehow they knew my current address and phone number but for the last 6 years they could n't reach me. They knew my past addresses too, but I never got anything at those addresses either. I had an account with Wells Fargo but it was well before 2012. I told them this is the first I am hearing of it. I ca n't even figure out how to over draft {$300.00}, I think they shut down your account after {$75.00}. I think they will be mailing me something. It just seems wrong 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
Consumer complaint received 03/26/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (WA).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX 2016 we mailed our payment into TD Autofinance. They lost it. However they starting calling twice a day, leaving voice mails ; in said " call by XXXX or this is your last chance ''. On XXXX XXXX they suddenly found the XX/XX/XXXX payment and applied it. Just a few days before cashing the XX/XX/XXXX payment on XXXX XXXX. The account is now current plus a little extra. My entire life I have been on time with payments - even paid cars off early. Today - XXXX XXXX a letter arrived in the mail saying they are going to report me to the credit bureaus for being late. How is that possible when they lost the payment ( that was dated XXXX XXXX ) and found it over a month later. 

If you have a choice - do n't use this company. I had no choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: TransWorld Systems Inc. keeps calling me from various numbers. They call almost every day, multiple times a day. Sometimes it is difficult to know it 's them because they use different phone numbers. They use phone numbers with local XXXX area code- where I am located. I asked them to stop calling on XX/XX/17 but the representative said, " I do n't know if we can do that because it 's an automated system. '' He was very demeaning and rude. I asked him multiple times what company he is from, he refused to say. After arguing with him, then pretending to get the person he was asking for, the representative finally disclosed what company he works for. 

I do not believe I have any reason a debt collector should be calling me!!! Why not send a letter in the mail if I have debt with them? Even so, they do n't leave a message on my voicemail stating who they are and a call back number. They are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried numerous times to resolve this matter with Chase Bank. I have made at least 2 dozen  telephone calls ... .sent 2 different certified mail packages that included all documents in my defense ... I have gotten nothing but the run around ... .now my mortgage went to XXXX XXXX XXXX and they can not help me in any way find out information on these corporate advance charges ... .nothing but the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Credit card () with U.S. BANCORP (NY).
Issue: Delinquent account

Complaint: I have had a credit card with US Bank for two years. On XXXX XXXX, XXXX I changed checking accounts, and updated my online autopay settings with US Bank to reflect my new account number. For some reason the US Bank website did not register this change. On XXXX XXXX I realized that US Bank had not realized that US Bank had not registered the change, and that my account was overdue. After numerous conversations with customer service representatives, I was assured autopay was successfully set up. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, that my account was past due despite having set up autopay a mouth earlier. After numerous conversations with customer service representatives I was informed the autopay can take " XXXX to XXXX cycles '' to take effect. I was not informed of this during the initial setup of autopay. While I specifically asked for confirmation for autopay, which US Bank apparently does not provide. 

US Bank has reported a late payment on my credit report, which I have attempted to have removed. As of now US Bank has not done so. 

Thank you for your help regarding this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank and XXXX Bank NA did a fraudulent foreclosure on my homestead home. I 'm the person who is name is on the note & mortgage that these XXXX Banks presented to the court. My original complaint was to XXXX, case # XXXX, but XXXX 's response is that they had transfer the loan to M & T bank, but the only name on the plaintiff is XXXX. These XXXX banks have put a cloud over my deed and foreclose on my with out bringing me in the case, this is fraud. Because a bad loan modification that XXXX did & denied in court that it happened.

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 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account has been charged off and still reflects a balance on my credit report. Even so, this account has had no activity since before XX/XX/2009 and should not be reflected on my credit report at all after XXXX years.

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 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I signed up with Barclay Mastercard with paper statements however somehow I was turned over into paperless statements and never received them thus making me late on payments. I called to resolved it takes them 2 monthly cylces to get caught up making them paperless. I would never intentionally sign up for the paperless statements. These statements went into my spam box.

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 07/14/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Was served court papers from " Jefferson Capital Systems , LLC saying I owed them money. I wrote to the company  XXXX   XXXX ,    2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  Jefferson Capital System LLC, again  without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Keeps calling day and night from many different phone numbers, always 'spoofing ' my caller id. Its getting beyond XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On or about XX/XX/XXXX I received or otherwise became aware of a collection notice sent to me by Portfolio Recovery Services I responded with a letter requesting validation of the debt. However, I did not send this information with a return receipt request. On XX/XX/XXXX I contacted the Portfolio Recovery Associates Ombudsman via email and requested validation of debt and also provided the standards for validation for the State of Texas. The PRA Ombudsman responded with a statement that provided none of the validation information required by the Texas statute. I responded to the statement and expressed that the information provided did not meet the standard for validation in the State of Texas. This information was provided to the credit reporting agencies and the Texas Attorney General but no action was taken by any of the agencies. I filed several disputes in the interim still no action to remove this account. 

Recently I received an answer to my validation request dated XX/XX/XXXX, pretty close to a full year after my request. The Texas XXXX XXXX requires that the collection agency respond with all of the information required in the debt validation list within XXXX days, otherwise, as stated in the statute the validation is incomplete. Additionally, the validation does meet the time constraints for validation in the Texas XXXX XXXX. 

Attachment 1 shows the original response from the Portfolio Recovery Associates ombudsman. Attachment 2 shows the response from Portfolio Recovery Associates that is incomplete. As required by the Texas statute the response is incomplete. The response does not include information regarding the surety bond for Portfolio, in other words I have no idea whether or not they can legally collect debts in the state of Texas. Also, the response does not include the date of last activity on the account. This is important because I need to know whether or not the account is still within the statute of limitations in the state that the debt is being collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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: Is reporting a late for Capitalone account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint Capitalone and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (I do not know) with Allied Interstate LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I keep getting calls on my cell and at work from different numbers from " Allied Interstate '' for debts I do not owe. Most of the time when I answer, no one is there. Other times, eventually a person with a foreign accent starts asking for me by my first name on a " personal matter. '' One time after repeated calls I said " she 's not here right now '' and they hung up. They call several times a day in the early morning, afternoon, and evening on both numbers. In fact, they just called my cell at XXXX ( as they do EVERYDAY ) and then my work number at XXXX. Sometimes it is from the XXXX number. Other times it is from another number XXXX or XXXX. Please make them stop! Most people on the complaint websites say they are for student loans. I do have student loans but I have been paying them every single month, early, for the last several years. I have excellent standing with them. Others I have paid off years ago.

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 10-12-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: experian is reporting XXXX this not my account please have them remove this acct asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Keep receiving voice messages XXXX saying that this is a reminder from an asset to inform me that my scheduled payment for the settlement on file number XXXX will be debited from my bank account and that I can disregard message if there is no problem with my account. I can reach them directly at XXXX. They never give me business name or state their name in the voicemail. I finally called number back asking who they are and who they are with and they kept dodging the question. He then said he was with a law firm and they were going to seize my assests for not paying on my settlement of a past car that was a XXXX and went to collections. I informed the person that I already settled that debt and have all my legal documents from the debt company showing my settlement reached and paid so this must be a scam. I asked again who is he with and he hung up on me. I call number back, same voice answered but he denied ever speaking with me. When I asked him what company was he with he told me " XXXX ''. I found the real company online and called them. The lady with XXXX said they are not with those people and believe they are scammers impersonating them and that they have reported it. I have not given any information to the callers but they had an old address on file that I no longer live at so I am concerned they have gotten a hold of my credit report or social somehow and fishing for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX transferred our home mortgage loan to the above company XXXX XXXX, 2015. When speaking to XXXX from Nationstar he says that XX/XX/XXXX and XX/XX/XXXX payments were reported to the credit bureaus but it will show blank for those months on the credit reports. Payments from XXXX 2015 will begin to show. 

Working at XXXX for XXXX years, according to the FCRA, payments need to report accurately to the Credit Bureaus. Is there recourse for us? We are trying to obtain another mortgage in a move in a few months and need these payments to accurately report for our scores.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (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: Date XX/XX/XXXX, amount {$30.00}, 1 late payment reported on account by Wells Fargo, account has been opened since XX/XX/XXXX, and have asked for the one late payment to be removed and it is not removed yet.

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 08-04-2017 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: I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AN D  XXXX   XXXX   XXXX   ) THE CR EDIT BUREAUS GAVE ME NO VERIFYING PROOF. THE SE TWO AC COUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATI ON   XXXX   OF 2015.

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