milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I applied for my annual credit report online through the FTC official website at  XXXX  and the  XXXX  credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-char ges by two  institutions for a subsidize and unsubsidize di rect loan, perkins loans   plus there suppose to be in deferment status and TransUnion is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involv es two financi al institutions that serviced the student loans  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX . I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.

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 06-04-2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls that we refuse to answer, we do not owe anything to any companies, no past due debts, no outstanding payments. 
They leave messages everyday, they call 2 or 3 times a day. I have called their number and no one ever answers, goes to voicemail. 
This has been going on for 3 weeks + now ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with APEX Asset Management, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A Company called Apex Asset management is on my credit report trying to collect a debt of {$12.00}. I never heard of this company or do n't know what this is for or from. This is not me or my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On several credit reports it is noted that I was 60 days late on my Federal Student Loan payments in XXXX of 2014 - however, during this time I was a member of XXXX and on a loan deferment program. I 'd like to have the late payments on my Federal Student Loans erased.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
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: Bank of America refuses to accept accountability for the failure of their autopay system to pay a bill on my credit card, leading to a late payment reported to the CRAs.  I have never had a late payment in my life and have autopay on all my cards.I'm in the process of purchasing my first home and the falsely reported late payment caused my credit score to drop 106 points.BoA refused to take any action for this.

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 07-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I missed a monthly mortgage payment earlier this year as a result of a temporary shortfall in income. At the time I made the decision not to pay the monthly payment, I had a solid plan in place to get the account back to current within two months based on the return of scheduled income. Once I fall behind XXXX days on the account, the bank got involved and started introducing a series of bank programs and processes that made it increasingly more difficult to get back to current. These programs were accompanied by additional fees and charges, as well as the fact they bank would not accept monthly checks but required XXXX check only for the sum of the total due. They issued multiple letters with inconsistent terms and conditions and proceeded to change their positions as to which letter was the letter of record. Net result was what was XXXX days past due approached 90 days past due ( totally due to bank policies and programs ) not my ability to pay. These policies and programs generated additional revenue for the bank, and caused unnecessary hardship and stress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX  told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.

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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!

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 08/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (UT).
Issue: Fraud or scam

Complaint: Consumer Finance : My name is XXXX XXXX. I am corresponding because I am dealing with identity theft, harassment, invasion, intrusion and abuse. 

In short, I have an account with Google and I use one of the products call Google Play. The account allows for me to make purchases. I can pay by credit card etc. I have receipts for dozens of purchases and hundreds of dollars. Yes, I have changed my passwords on different occasions.
Someone logged into my Google account, and specifically on the product Google Play and created a false radio station called, " Humble '' with specific music I did not pay for. 

The people who are stalking me are intentionally taunting me by violating my financial boundaries in my accounts and where I have made purchases. The stalkers have created diversions to stop me from day-to-day activities. This issue is about money, but is also race related in that they are doing this to taunt, bully and subject me to invasion of privacy and intrusion. The people who are logging in are framing me. 

If I have changed my passwords, what can be done to fix the issue with my account that I use for purchases? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Credit card debt) with Global Credit & Collection Corporation (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This Debt is in Valid since it was a result of Fraud # XXXX {$740.00} XXXX XXXX XXXX   acct # XXXX i dispute the validity of this debt as fraud as i did when creditor was notified of fraud years ago. Cease and desist all collections and remove delete my name from all collection files by Global Credit Collection Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Consumer Loan (Vehicle loan) with NCB MANAGEMENT SERVICES INC (GA).
Issue: Taking out the loan or lease

Complaint: The 2015 XXXX XXXX truck under purchase from a XXXX, Texas dealership was returnedvoluntarily after contract for vehicle signatures were found to be forged to XXXX XXXX dealership financial group. Deal was extremely padded without my consent or authorization. Legal and binding signatures for myself and co-buyer were submitted tothe Office of Texas Attorney General for legitimate verification of my true and personal signature along with co-buyer. Harassing mail and phone calls for remaining after sale oftruck have come from NCB Management Services of XXXX, PA. They have become extremely belligerent in nature and disturbing. I am requesting immediate halt to their attempt to collect on a forged contract for vehicle purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a complaint stating that the Collection Information was inaccurate in its filing. As the term agreement of the accounts : XXXX XXXX XXXX. file ID # XXXX and XXXX XXXX XXXX file ID # XXXX has been satisfied in its entirety. The credit reporting agencies are still reflecting as owing with concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
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: Bank of America acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. Back of America made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by Bank of America and should not be on my credit report. This is an extremely systematic and unfair reporting practice.

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 06/29/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I am sending XXXX attachment. But i noticed it said fake path. Since I began making reports to CFPB, I notice a redirect when I have sent documents to you. As of yesterday, I was hoping it was repaired. If I do not hear from you, I will call shortly. 
In a XXXX XXXX, 2016 correspondence from specialized loan servicing company ( SLS ), the company stated XXXX XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee is my current creditor with whom the debt of XXXX is owed. SLS stated that the amount of debt as of XXXX XXXX, 2016, is the unpaid principal balance ( PB ) of the first mortgage : {$46000.00} and includes the deferred principal balance : {$78000.00} There is a late fee, advanced escrow fees, and some uncollected interest also owed. To bring more clarity to this matter, I am asking Specialized Loan Servicing ( SLS ) to provide me with, again, 1. Name of company to whom I owe the {$120.00}, XXXX, Address, Telephone Number, Loan Account Number, and provide a first and last name of a person to contact, along with extension number if he/she has one.

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 08-07-2015 about Debt collection (Medical) with Capital Accounts, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (FHA mortgage) with MORTGAGE LENDERS OF AMERICA (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I closed on a house on XXXX XXXX, 2016 with Mortgage Lenders of America. They notified us about one month after closing that our flood insurance is not federally backed. It is privately backed, which apparently means they are unable to sell off our loan. They sent us the very first statement for our loan, and have not sent anything since. Every month I have paid using my bank 's online bill pay service, but I have no idea that it is being received, or how it is being credited to the account ( I have been paying extra each month ). I understand that they are in the business of closing loans to sell them, but this is an error on their part. There was a delay in closing specifically regarding the need to purchase flood insurance, and what we purchased was cleared by Mortgage Lenders of America for closing. This seems to be in direct violation of the Periodic Statement Rule. I sent an email to our loan officer, XXXX, requesting a monthly mortgage statement to confirm payments and proper allocation of additional funds to principal. This was the response that I received from him : " I told you that we do not have the capacity to service your loan. And is why we needed the FEMA certified flood insurance. To get this sold to the investor to take care of you. I have no idea but will send this on to see if we have been getting them. If you could please provide us with FEMA certified flood insurance we can get this sold and you will get all the payment coupons and a place to pay online and all the things most people have with their mortgage company. 

Thank you, XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America '' As consumers, we did everything they requested of us in order to purchase our home and I feel we have a right to receive mortgage statements and/or payment coupons, and also, basic customer service from the company that holds our mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage changed the escrow amount due in my monthly payments without issuing a RESPA required statement of escrow or otherwise notifying me of the change. This caused my payment to be held in suspense since it was not sufficient to cover the full, inaccurate, amount. In addition, I was then charged a late fee for a missed payment, and reported to the credit reporting agencies as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. 
My husband was also on the collections letter, but was not on the lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: Several inquiries are on my credit report with out my knowledge and TransUnion refused to investigate the inquires

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 02-08-2017 about Debt collection (Medical) with State Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Health Care continues to bill XXXX XXXX for services rendered in a worker 's compensation matter. XXXX XXXX is NOT responsible for this debt, the worker 's comp. carrier is.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Personal line of credit) with U.S. BANCORP (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Our US Bank Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX US Bank had a security breach where someone got into our US Bank checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This US Bank Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that US Bank ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.

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