milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
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: My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to 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 07/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have XXXX collection accounts that was bought from XXXX XXXX by PORTFOLIO RECOVERIES ASSOCIATE. The collection company is listed on my credit reports under XXXX XXXX as being "sold to PORTFOLIO RECOVERIES ASSOCIATE The collection company is "PORTFOLIO RECOVERIES ASSOCIATE" and this company is not licensed to collect in my state of North Carolina. XXXX XXXX is listed on my credit report as charged off and "sold to PORTFOLIO RECOVERIES ASSOCIATE." Since this company is not licensed to collect in North Carolina I would like this information deleted and removed from all XXXX credit bureaus and kept from reporting on my credit reports in the future because they bought the debt without having a license to collect in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (KY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I received a Chase Auto Loan for a new car in 2012. I set the account up for automatic deductions from my bank account. These went like clockwork for five years. When the last payment was due Chase sent me a letter asking for a check with a specific amount that would pay off the loan. I sent them the check. When I looked at my checking account statement I saw that they processed my check and subsequently made an extra automatic deduction that they did n't deserve for a Paid-in-full loan. Apparently Chase is n't able to discern when it has been paid-in-full and will keep helping itself from your checking account until you go into Chase.com and stop them. When I tried to go into Chase.com the system would n't recognize me - probably because my loan was paid-in-full and thus my account was closed. This is the perfect feedback loop. You pay them in full but you ca n't get in to stop the payments because your account is paid in full. After about an hour I was able to get to someone with the technical ability to stop the payments. Now Chase is sitting on {$620.00} that belongs to me. I will be pleasantly surprised if I ever get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a student loan on my credit report from XXXX AND IT WAS REPORTING IN CORRECTLY. I HAVE DISPUTED THIS WITH TRANS UNION AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT FILE. THIS ACCOUNT IS NOT DUE TO COME OFF ANYTIME SOON. THIS ACCOUNT IS A CLOSE ACCOUNT PAY AS AGREE STATUS. WHEN I DISPUTED THIS I WANT THE HISTORY TO BE UPDATED FROM XX/XX/XXXX TILL IT WAS TRANSFER IN XX/XX/XXXX. IT WAS REPORTING IN ACCURATE DAtes SO I CONTACT XXXX AND THEY SENT ME A PAYMENT HISTORY THAT SHOWS THE CORRECT INFORMATION. A COUPLE OF DAYS LATER IT WAS DELETE. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT REPORT AND XXXX FROM XXXX STATED SHE SENT ALL OF THE CREDIT BUREAU ALL CORRECT INFORMATION REGADING THIS 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 09-08-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I.Q. Data International Inc. has attempted to collect the incorrect amount of {$1000.00} dollars from me when the correct amount is {$240.00}. I have documentation from the apartment complex who spoke with XXXX XXXX at I.Q. Data International and confirmed the correct amount.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Seterus inc. that has been modified about 5 years ago. 
Seterus inc. has worked with me when I needed the most and I truly appreciate it, but they had become my worst nightmare after they started making various mistakes in handling my mortgage correctly and effective. 
They first made a mistake in applying money to my escrow, they raised my payment saying I did n't have enough money in the escrow account to cover insurance and taxes. 
I found that odd, cause I new how much I had to pay a month to take care of that and they were charging me a lot of time and money. 
After months and many hours on the phone trying to get them to fix my escrow, they finally did it and I was able to get my payment to where it was supposed to be. 
After they fixed the escrow, they began telling me that my mortgage was late for a month and stated charging me a late fee every month. 
I have told them in dispute letters many times that I am not late on my payments and that I have all my receipts to prove it. 
They keep telling me that I am late since XXXX and I have not paid the XXXX installment. 
I have the confirmation number and the bank statement to prove that they have received the payment. 
Please help me fix this problem as I think they are doing this on purpose based on the fact that I have filled for bankruptcy right after the modification and have failed to reaffirm the loan by the due date and now I feel like a deer that is being held by the neck by a lion that is just waiting for my last breath. 
After all the mistakes and because the mortgage not being reported to my credit, I find myself " stuck '' with this bank. 
I looked into refinancing now that I am getting back on my feet, but I was told by one of the institutions to file this complaint and have this fixed before I could try to get refinanced and get rid of Seterus inc .

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Delinquent account

Complaint: This account with hsbc still double report on my credit reports XXXX Is over 8 years that I made my last payment and they still reporting it. If they ca n't send me a debt validation then take this off my credit reports. And they have XXXX as their collection agency and they are reporting it too. It was paid in full to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PINNACLE LLC/RESURGENT XXXX XXXX XXXX, XXXX, SC XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government-issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. 
You may also submit your request and any documents or information you wish to provide to us at www.experian.com/upload. 
If you are purchasing your credit report, enclose your check or money order for {$12.00} plus any applicable tax. 
If you wish to purchase your XXXX ( R ) report provided by Experian, enclose your check or money order for {$7.00} plus any applicable tax. XXXX is owned by XXXX. 

Mail this form, along with payment ( if applicable ) to : Experian XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. 
[ ] Check here to authorize delivery of overnight package without obtaining signature. 

Your identification information XXXX XXXX, FL XXXX Social Security number : Date of birth : XXXX Report number : I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). 
[ ] Free annual credit report. 
[ ] Free credit report based on my state 's law. 
[ ] To purchase my credit report. 
[ ] To obtain my free report with my promotional code : ( enter code ). 
[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. 
[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified Experian previously that and error was made on my Credit Report. It is has not been removed.The error is XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ca XXXX. This is not my bill. I have never been to XXXX XXXX XXXX. This belongs to another XXXX XXXX. If you check the birthdates it is not mine. I was born on XXXX/XXXX/XXXX and I am XXXX XXXX XXXX. I also have a different Soc. Sec. Number. mine ends in XXXX. I have asked them to remove this negative item because it does not belong 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 non-monetary relief
Consumer complaint received 12/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My father is a XXXX year old XXXX man. Who has a fourth grade education and grew up in rural South Carolina. Why am I telling you all this? Because I just found out that he has a mortgage for XXXX dollars, at ten percent interest. His payments are over XXXX dollars a month. He is on a fixed income, and recently fallen behind in his mortgage. I think the interest rate is highway robbery, and I think he was beguiled into refinance his house that he has been in since 1977.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for auto financing with XXXX different entities in XXXX 2016. TransUnion is counting all of them as a hard inquiry instead of counting them as XXXX as required by the CFPB. This is showing a XXXX point drop in my credit score.

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 12/22/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I went through XXXX and was contacted by quicken loans for a refinance. I was told by XXXX XXXX of quicken loans that I could get cash out to consolidate debt. I asked what if my residence did n't appraisal for 80 %. XXXX of quicken loans assured me it would and there was no chance it would n't. It did n't appraise for that amount ( 80 % ) and now quicken loans is only offering a refi with no cash out which would actually lose me money. They made false promises and now charge me {$500.00} for the appraisal

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. 

This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. 

If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. 
I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. 

They are required to verify this debt if they can not. Then I want this debt removed. 

The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Trouble during payment process

Complaint: See the attached " pdf '' files. Essentially Nationstar is either intentionally, or through sheer incompetence, preventing us from using their online services. My wife and I are both over XXXX years of age. Nationstar 's discriminatory behavior is prohibited by federal and state statutes.
Nationstar must correct their Information Technology Systems to allow us to use their web-based tools to manage our loan just like all their other mortgage loan customers. My letters and phone calls have gotten no results although Nationstar 's employees have repeatedly told me they would fix the problem. Our loan was transferred to Nationstar effective XXXX-XXXX-17 and at this date, we have been unable to access our loan file using the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: 21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I mail certified letters too have old addresses removed they want remove them.please help then they keeping adding and took off a account that was showing 100 % on time payments

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: On my letter dated XXXX XXXX, XXXX, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy XXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XXXX XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.

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 01-11-2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I am the XXXX of my mother 's estate. I have all the necessary documents from the probate court along with the death certificate. I went to the Wells Fargo branch to close out her savings account. I was told that they needed the EIN of her estate account. I have not had to set up an estate account for her other investment accounts, etc. I informed the bank manager that I do not need an EIN to close out the account. He refused to disperse the funds. I contacted a probate attorney and he verified that Wells Fargo does not need to know the EIN to disperse funds. The funds can be dispersed through a check made out to 'the estate of ' but they do not need an EIN to do that.

Company response to consumer: Closed with explanation