milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with Complete Professional Recovery LLC (KS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX went into collections on an account that I created. Collector from collection agency called and asked to speak with my husband and stated that he was the responsible party for the debt and she wanted to speak with him. I advised that I was the responsible party and my husband was not listed on the account. She advised that he was since we were married. I advised that I did not consent to information being shared to him and I did not want him contacted. Collection agency sent the bill to husband and addressed it to him. I did not give authorization for him to receive information about my account. Collector said it did n't matter and she would speak with my husband.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Medical debt) with Riverview Law Office, PLLC (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I sent two different debt validation letters to Riverview Law Office via certified mail. One was received by them on XX/XX/XXXX as my initial request for validation of the debt. My second letter was sent as a follow-up request after several phone calls were made to me from the law office but still no documentation was sent per my request. the other letter was received by them on XXXX XXXX, XXXX. In my letters, I stated I was not refusing to pay but want validation of the debt by providing me with a list of documentation within 30 days of receiving my letter or they have to remove and delete this account. Riverview law office has failed to provide me with the information I requested and now they have filed a court hearing/summons over this matter. The debt in question is said to be from XX/XX/XXXX to XX/XX/XXXX. I am filing a compliant today because of their refusal to provide me the information I request in the timeframe provided in my letters yet they are now trying to take me to court over this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: We have previously filed a complaint about this situation. Our mortgage loan is with Nationstar Mortage. Twice last year ( 2015 ) Nationstar has reported our mortgage loan as a line of credit and have lowered the credit limit. This is not valid as the loan is a conventional mortgage loan. We have tried resolving thing with Nationstar to no avail. They ignore our attempts at resolving this issue. It is against the law for them to report the loan as a line of credit and to lower the credit limit on the account. We feel this personal and malicious. It has lowered the credit score for both borrowers ( husband & wife ) by XXXX points.

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. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED  STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX 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 explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

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 01/19/2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I started the process of applying for a loan with Big Picture Loans. I had decided I was n't going to go through with it so I did n't call them to finalize the loan. They put the loan through anyway. Plus, I did n't get informed of the very high interest rate until after the loan was processed. The loan was processed on XX/XX/XXXX for {$970.00}. I have paid {$570.00} to them since that time and the loan company says this is interest paid only. I ca n't afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above.

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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Tried deleting inquiries on XXXX over the phone. They denied my request.

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 07/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I have sent several disputes to Equifax and they have gone ignored dates i sent disputes : XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response. To date they have not responded in any way. 

1. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 3. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
4. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. The status is incorrect for the following account ONLINE INFORMATION S Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

14. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
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 VANDERBILT MORTGAGE & FINANCE, INC (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. Vanderbilt company representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted Vanderbilt Mortgage and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through Vanderbilt Mortgage ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX Male they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.

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 11/29/2016 about Debt collection (Medical) with Affiliated Collection Services, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am attempting to pay off the last payment of a payment arrangement on my daughter 's medical bill, and the debt collector insists on receiving my date of birth before processing the payment. They then called my cell on the weekend outside of regular business hours. I refuse to give them my identity information and should not be receiving calls on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: We were to receive a wire for the purchase of products from us for the amount of {$60000.00}, on or around XX/XX/2014. The bank checking account through Wells Fargo was XXXX, under the name XXXX XXXX XXXX XXXX. We checked with the bank the day before the wire was to be received to make sure we had the correct information and that the account was in good status to receive. The follow day the wire was sent, but Wells Fargo then closed the account, with no reason. The account had been open for several years before hand, had no reason for closing and we do not see any reason for the account closing. Also the following day after the money was sent the bank could not give us a reason why it was closed. We received conformation from the sender XXXX XXXX that it was sent, and confirmed from his bank. It took several days for the bank to refund the money to the sender but would not let us received the funds, or reopen that account. We were told we had to open up new accounts and have them resend the funds. At this point the sender was not interested in resend and we lost our on the {$60000.00} sale with no explanation on how or why this happened from the bank. They tried to say that it was due to inactivity, but there were other transactions just two weeks before that.

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 12/27/2017 about Vehicle loan or lease (Loan) with Strategic Automotive Servicing, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle

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 07-11-2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with   XXXX   XXXX   also the car was given back to the people without a hassle and all of a sudden these people Deville Mgmt for  XXXX  which they said it was open on   XXXX   XXXX  , 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely  XXXX  So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX XXXX   XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance

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 02-11-2017 about Mortgage (VA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying my mortgage religiously ( even when i was XXXX by the Government ), we refinanced our VA loan in XXXX XXXX and were told that our payment would not be due until XXXX XXXX ( which we made ). Never paid much attention to our credit report because we were n't making any purchases ( houses, cars, etc ) but when my car went belly up i was surprised at my high interest rate on my car loan ... .so i had my credit looked at by a financial planner friend of mine. 

And low and behold, LoanCare " services " filed on me not paying my loan in XXXX XXXX, my credit score dropped almost XXXX points and has caused my car loan rate to be higher and blocked the ability to buy another house if i wanted to in the next 4 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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Experian is reporting late payments on my credit report on 10 different DEPT of ED Student Loans. Experian is reporting 90 days late XXXX and XXXX and reporting 120 days late XXXX, XXXX, XXXX, XXXX, XXXX. The loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. I have attached NSLDS showing that the loans were in FORBEARANCE.

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