milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XX/XX/XXXX and then again today. This company accessed my credit without written consent and arerefusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING  IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO. Account name ONEMAIN Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is foreclosing on my home. They refuse to return calls, when I am trying to ask what my options are. They never sent me anything but acceleration letters. I 've reached out to their " executive group '' time and time again. Noone returns calls, no one sends out acknowledgement letters, or letters period. I am XXXX, I have my XXXX mother living with me, my son and his children. Please help!

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 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Current status : Resolved - claim not paid Help for Resolved - claim not paid layer Claim ID : XXXX Claim amount : {$2600.00} Initiation date : XX/XX/XXXX Merchant name : XXXX XXXX Transaction Date : XX/XX/XXXX Transaction Ref. # : XXXX Message date : XX/XX/XXXX Subject : We received your claim and it is currently being researched. 
That is the response I got from my credit card bank of America. I purchased a bag from XXXX and it was advertise as Authentic and with all the supporting documents included, I believe the seller but the bag was broken so took it to XXXX to get it fix and behold they told me with letter that the bag was counterfeit. I called XXXX and there is nothing they can do because the 30 days money back warranty is over. I called XXXX and they told me that I have to call my credit card company which I did and they asked me for supporting evidence which I submitted the letter from XXXX. I did n't hear anything from them until over a month. Then I called XXXX, to what my credit card decision and they told me that I missed the window of time frame which is 180 days and that was XX/XX/XXXX. But when I first called them nobody told me. I called my credit card company again and told them that I believed they did not investigate in my behalf, because if they did, in fact investigate and called XXXX, I would 've been covered. They pin point me from one XXXX, to credit card and XXXX, when I called them they told me to reverse the call back to credit card

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Recovery Management (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX   mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An account being reported on my Equifax credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Delinquent account

Complaint: PayPal Credit charges me late fees and interest every month that are increasing in an exponential manner. 

Over a year ago I notified PayPal that I wanted to receive paper statements. I received an online notice asking me if I wanted to receive online statements and opted in. Paypal did not notify me that this would result in me stopping receiving paper statements which I never objectively opted out of. Because I relied on these paper statements my bills were consistently late assuming that they had been lost in the mail. I did not realize that paypal had surreptitiously cancelled my mailed statements until after they decided to stop refunding late fees and interest which they did do for one or two months. 
I also told them repeatedly to keep sending me paper statements which they promised to do but never followed through on. Now I dont use my paypal credit account. 
Since paypal has refused to refund the interest or late fees of $ XXXX/mo I have refused to pay them and they are now threatening my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX, a collections company, continues to file derogatory remarks with all three credit reporting agencies. This company NEVER made any attempts to contact me to dispute the debt. I continue to dispute the debt because I do n't know who they are and have never had any dealings with them. A complaint was filed against Citibank, the original creditor, in XX/XX/2013. The original creditor removed all derogatory reporting from all credit reporting agencies in XX/XX/2013 because of their harassment, threats, unprofessionalism, and refusal to provide repayment thereby violating the Fair Debt Collection Practices Act. Now after XXXX years I learn they continued to bill charges to the account while failing to send statements of the ongoing activity for a year thereafter. There was NEVER any contact with the Citibank after XX/XX/2013. A complaint is also being filed against Citibank for the latter infraction that has just come to light.

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 06/17/2016 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of Financial Asset Management System keeps calling me to " collect a debt '' for an XXXX ( completely different last name ) ). My first name is XXXX but the last name is completely different than my current name or my maiden name. I do not have any outstanding consumer debt. I have told them on multiple occasions that I am not that person and to take me off their list. They still call me and a similar number is also calling my minor son 's cell phone. I have checked my credit reports to see if there are any identity fraud issues and there are no red flags for that possibility.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX, TRANSUNION are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #

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 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed with this credit bureau several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on 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 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Once XXXX confirmed that the final account charges of {$110.00} were paid, a debt verification letter was mailed ( XXXX/XXXX/16 ) to RPM LLC ( XXXX XXXX XXXX, XXXX, WA XXXX ). Its XX/XX/XXXX and proper notice has not been received. RPM, is again calling me ( XXXX/XXXX/16 ) with threats to escalate debt. When I asked the phone representative to please notify if a written response was sent, he states a certified letter was mailed XXXX/XXXX/16. Once i asked who signed it, representative became defensive and said " he did n't need to proof himself to me ''. Another call came in XXXX/XXXX/16 at XXXX, however i was already at work and missed call. 

Company has been unprofessional and rude every time they 've called. My FICO credit score is over XXXX and i would hate for this to affect my credit history.

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 12/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have two loans from XXXX XXXX that have been consolidated, but are still showing on my credit report. 
They were both opened on XX/XX/XXXX and closed on XX/XX/XXXX. 
The first one is for {$5500.00} and the second is for {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with Southwest Business Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our home mortgaged through XXXX in XX/XX/2016. On XX/XX/2016 a refund of our escrow account was mailed to our old address. Apparently the refund check was deposited by unknown person on XX/XX/XXXX. We have been trying for several months to obtain a copy of this check in order to file a police report and start the process of actually receiving a refund. The mortgage company customer service department has given us excuse after excuse or flat out not told us the truth about the missing check or where the copy of said check is. We were last told it was mailed certified to our new address on XX/XX/XXXX. It is now XX/XX/XXXX and we still have not received this. We are respectfully requesting assistance to find out what happened to this refund and to obtain the refund due us.

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 12-01-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: My bank charged me an overdraft fee and a extended overdraft fee. My account was overdrawn for 5 days and I received a XXXX $ fee. This is not my first time having trouble with suntrust bank. My check is only XXXX and they are taking XXXX for 5 days. This extended overdraft fee is anew policy that I am unaware of. this bank is a rip off and will take money any chance it gets. please help me get my money back! Suntrust

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 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I informed the third party company 3 months ago I am unemployed and homeless and will not have any monetary payment until I get back on my feet. They continue to call me repeatedly XXXX a day leaving voicemails and threatening to take legal action.i

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In, XXXX I pulled my credit and found that I had a debt to the Ohio XXXX Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX XXXX courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report in XXXX. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all three agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed XXXX but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast 3-4 times. I attempted to dispute this week online XX/XX/XXXX and I get a message stating that it can not be disputed 2 times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General XXXX and collection and the XXXX XXXX Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by XXXX agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the ( XXXX limit for paid tax liens. ( this is now 9 years that they bureau has been reporting this as unpaid when it was paid in XXXX ), below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XX/XX/XXXX issued by XXXX for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( XXXX/XXXX XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " Advisory Opinion to XXXX ( XX/XX/XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the BBT credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XX/XX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.

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 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested that the following accounts be removed immediately from my credit report.    XXXX ,  Dept of Ed  /   XXXX   ,     XXXX   XXXX   XXXX   . Th ese accounts are fraudulent accounts on my credit report. I have sent in the proper paperwork and police report. I have also contacted the companies to provide proof of contract and none of them were able to. I have tried to work with this credit reporting agency as well as the credit grantor to have these accounts removed from my credit report. If I am still unsuccessful in this attempt, I will be forced to file a suit naming your credit reporting agency, the above creditors, and acceptor of this letter as defendants. Please send me my updated report as soon as the investigation is completed. These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your  company is required to reinvestigate these items and delete them.   I would appreciate the name of the individuals you contacted for verification along with their adress and phone number s o I may follow up.

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 03-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased the residence in XXXX with no escrow account. Chase inserted an escrow account when they paid my XXXX property taxes that I also paid, affecting the accrued interest on the loan.

Company response to consumer: Closed with explanation