milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2016 about Credit reporting () with Diversified Adjustment Service, Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My utility, XXXX XXXX was ongoing from XX/XX/XXXX in XXXX, XXXX I paid all my bills on time every month before moving to XXXX ( XX/XX/XXXX to XX/XX/XXXX ). 
I never had a {$36.00} XXXX XXXX bill balance from XX/XX/XXXX nor XX/XX/XXXX, but this collection appeared on my account in error because XXXX XXXX @ ( XXXX ) XXXX told me they never had any record of this {$36.00} owing from eight to nine years ago? So I paid it anyway but it has not been removed from XXXX credit reporting. Not only is this debt erroneous but its nine ( 9 ) years old! NOT the seven ( 7 ) years that Diversified Adjustments Collections @ XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX phone : ( XXXX ) XXXX. They are maliciously reporting this after nearly nine ( 9 ) years and have refused to stop doing so after I telephone and spoke to them XX/XX/XXXX. I DEMAND this erroneous collection to be removed from my credit report. I have been an XXXX XXXX customer since XX/XX/XXXX in XXXX, XXXX nearly 25 years and I have never missed a payment. I will mail supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: For sometime now I have been getting texts messages from Discover, which is ok. Today, I decided that I was getting just way too many text message and replied in the Text " Stop '' because it says " Reply STOP to opt out '' I did this, yet after this STOP was sent I got  2  more text message.  <P/> This is a bonafide class action lawsuit, which I do not wish to file, but if  discover does not wish to settle this matter for violations under TCPA, RFDCPA, And CA Business And Profe ssion Code Violations I will file.  <P/> I will be filing a lawsuit, but I do in vite Discover Financial to contact me ASAP so that this may be   avoided. In California cases like these go for a premium, attorneys take them at no charge out of pocket, this is a text book example of a class action lawsuit. Discover card will be responsible for my attorney fees, statutory awards and a special award for brining the class.  <P/> I urge discover card to contact me to resolve this before I file this week.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I spoke to a woman at XXXX XXXX for 8minutes. 

She gave me two account numbers and told me they were both in collections. 
I advised her to give me total amounts and what was owed. 

The first account was taken out of collections and has been placed back into the Hospital at XXXX XXXX XXXX XXXX, where I have been making payments. The lady at CMRE advised I owed {$230.00}. Which is false. I have a copy of a bill that says I owe {$180.00}. When I received the bill from XXXX themselves it said I owed {$150.00}. So they sent me a statement with a false premium. She also stated that I just made {$100.00} payment for account number XXXX. WHICH IS THE WRONG ACCOUNT. I have a copy of my receipt showing the right account number. She mislead and gave false information. 

She advised both accounts were in collections. When I advised that the XXXX XXXX one was not she argued and stated that they need to call them. Basically they send me a bill with the wrong amount on it. And refuse to take it out of collections. 


I have attached receipt, phone info, and copy of the false statement they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (WI).
Issue: Account opening, closing, or management

Complaint: I applied for a Premier Line of Credit with US Bank. I wasdeclined for this low interest rate vehicle while theyIncreased a credit card available balance from $ XXXX to $ XXXXThis and my regular line of cr have a 22 % As well as myAPR. While my credit is not perfect I believe this redliningMore than anything. I was simultaneously approved byAnother lending institution with a much lower interest rate. 
US Bank claims I have a XXXX cr score while XXXX listsA XXXX credit score from the exact same credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained a 2nd mortgage from XXXX. The mortgage broker, XXXX XXXX, was a XXXX ( I did n't know this ) and he conned me into buying a house that his wife owned. At the time, I did n't know that his wife was the Seller. I lost the property to foreclosure and found out that the loan had been transferred to XXXX and then to Ditech LLC. I did n't know any of this until my tax prepared told me that Ditech had filed a XXXX wit the IRS for the amount owing on the 2nd mortgage. I do not believe that Ditech owned the mortgage and have contacted them and sent them a XXXX letter under Massachusetts XXXX. I am contacting you because I believe that Ditech was/is not the holder of the Note and therefore had no right to issue a XXXX in my name to the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Sinc
e XX/XX/XXXX2016, I have been disputing the chapter XXXX bankruptcy with XXXX and Transunion. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: After this whole Equifax leak, on XX/XX/17 I sat down to freeze my credit. My complaint is that Equifax STILL CHARGED ME MONEY to freeze my credit meaning that they PROFITED OFF OF THEIR MISTAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and Toyota. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with XXXX police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And Toyota was paid in full and apparently that payment went to a different payment address and it took Toyota three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/2018. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from Experience that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the 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 non-monetary relief
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I recently contacted our mortgage lender to initiate a loss mitigation application to see if our loan would qualify for a modification. As of XXXX XXXX, 2016 all requested documentation was uploaded to their document portal and they have informed me the request will be reviewed within 30 days. 

I received a letter, dated XXXX XXXX, 2016 that states Caliber Home Loans is transferring our mortgage to XXXX XXXX XXXX, effective XXXX XXXX, 2016. 

I just finished yet another telephone call, expressing my concerns for the loan being transferred while the loss mitigation/modification request are in the middle of review. 

I fear our loan is going to slip through the cracks. We do n't want to lose our home of 17 years because our voice was not spoken loud enough. I need this company to pay attention to the issues being addressed. Currently, I feel as though we are another loan being sold, another number on the books and we are at jeopardy of losing our home due to this companies oversight/negligence. 

At the beginning of this process, I did contact XXXX. They referred me back to the lender, stating if there is anything at all that could be done, any government program we would qualify for, Caliber Home Loans would know about it. 

After working with this company for the past few months and especially after receiving notice of the transfer, I do not feel as though they are trying to help whatsoever and just want to pass the buck to the next lender. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from XXXX or Equifax. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my XXXX credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On Equifax. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Bank account or service (Checking account) with BANK OF THE WEST (UT).
Issue: Account opening, closing, or management

Complaint: An Bank of the West account was made by my wife. She closed the account almost immediately after creating it due to a name mismatch Bank of the West could n't correct ( she subsequently open another correctly the same day ). She funded with our XXXX credit card in the amount of {$500.00}. Since the closing, I 've been informed the money would be returned to XXXX. It has n't arrived as of today ( XX/XX/2017 ). The account was closed XX/XX/2017. The money was supposed to be credited back 7-10 business days later. Bank of the West is advising me to Dispute the charge through XXXX for Bank of the West. I 've asked them multiple times to check their back office to make sure it was sent and provide some documentation to that effect ( transaction id or letter stating they returned the {$500.00} ). They have so far refused to provide evidence they returned the money. I need evidence to file a dispute with 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 12-11-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I was very busy with a sick child and went to pay my bill 5 days late today. 

When I got to Toys R us Credit CArd to paymy bill there was a {$25.00} late charge on a {$140.00} balance. Which is about 18 %? What are the rules for this percentage? 

I have not been late before and this appears to me to be excessive. 

XXXX 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 monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On checking today, XX/XX/XXXX, because of the news of the Equifax hack I found that my information may have been exposed to hackers. I believe that this is because I use services that use Equifax to report on my credit score. Unfortunately now I have to put alerts, warnings and closely monitor my accounts to ensure I 'm not taken advantage of because of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I ordered a bag of smoothie mix from a company, received it, this went fine. A month later they sent me another that I had not ordered. I contacted them and simply asked that they discontinue sending me more. They agreed. A month later they sent me a third bag. I told them that I would not pay for this, so they requested that I return the product. I sent it back to them and they did not refund my money. I contacted them asking about it but did not receive a reply. I then submitted a dispute with XXXX including the return shipping information and XXXX rejected my dispute. a ) I was repeatedly wrongly charged, b ) the seller has taken both the money AND the product.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: yes companies XXXX open date XX/XX/XXXX XXXX have wrote to equifax and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on equifax and closed on XXXXXXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX 30 days past due as of XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Placed calls to Experian, XXXX and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

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 10/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by a debt company, Diversified Consultants, the gentleman on the line identified himself then got real aggressive as to who I was, wanting information I will never give over the phone to someone I do n't know. He mentioned I owe a debt to XXXX. I do n't owe a debt to XXXX. He got very aggressive then hung up. I called back and spoke to a woman who again, wanted all of my information, again I asked what this was in regards too, she started giving me my address, phone numbers, personal information and stated I owe a debt to XXXX from XXXX ... I 've never had a debt to XXXX. Then she provided a number we had with a business there, insisted it was filed for collections with them on XXXX-XXXX-17. I told her I would contact XXXX, she said go ahead and she too hung up on me. Then I called back three additional times asking for the address so I can send a dispute letter fearing they will try to collect something I do n't owe and from so long ago! How can I even prove I do n't owe anything???!!! With much aggression I was yelled at, asked to give my info and not given the address ... .each time I was hung up on. I did get partial recording of one of those conversations. I stated I wanted to have the mailing address and they refused to give it to me! Wow, I do n't want them messing up my credit for something that is n't valid. What do I do?

Company response to consumer: Closed with non-monetary relief