milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called Transunion only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 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: My complaint is against a company known as " XXXX XXXX XXXX , XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this 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 explanation
Consumer complaint received 11/22/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I was researching to consolidate credit card debt. Lending tree rated a Chase credit card as very good. Filled out the application to see what l could qualify for. They stated on the web site, amount and interest % based on qualifying credit. The next thing I knew I was being congragelated for my new credit card! ( XXXX mins. ). I was never shown the terms of the credit card to either accept or decline before they issued the account! Whith in XXXX seconds I spent XXXX minutes trying to contact and speak to someone with Chase credit card support to decline the credit card. Very rude and condescending customer support. There only solution that was offered to me was to cancel the account, an account I never had the opportunity to view the terms of. I voiced my displeaser on the negative consequences of opening and cancelling a credit account towards my credit history report. Basically told " not their problem ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been making payments since 2006 and the interest and amount do not decrease. I ca n't afford the payments and my living situation. Usually I 'm late with my federal loans and struggle with my private loans as well. I pay as much as a car payment each month with federal and private loans and to top of off I 'm paying for a degree that I did n't get. I have my XXXX in XXXX and attempted to obtain my XXXX but I was only capable of starting a class. And had to drop out due to financial hardship. But I 'm still paying for the XXXX degree. I ca n't transfer any of my credits to a XXXX college either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: Dear American Express, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have made XXXX significantly sized payments, $ XXXX each, on the mortgage company 's website specifically indicating that the payments were to be applied to the principal. However, in XXXX instances the payment was applied as 'unapplied cash ' and did not reduce the principal of the loan. Thereby, the interest being accrued daily is overcharging me. 

On the first instance of the payment I contacted the mortgage company and was advised it would take a day for the amount to be reposted correctly. It did not. Instead it took four days of my checking and persistent calling for the large transaction to be correctly applied against the principal of the loan. Hence, an incorrect calculation of the daily compounding interest went on for four days. 

I advised mortgage company at that time I was going to make another payment against the principal. Same outcome. The payment was applied to 'unapplied cash ' and not to the principal of the loan. 

In light of these transactions it can only be concluded that there is a systemic problem with Freedom Mortgage company and how they incorrectly handle principal only payments. They do not apply these payments correctly and the debt holder is the one that bears the brunt as they have an over calculated daily interest amount owed. If it had not been for my repeated follow up, I do n't think the payments would have ever posted against the loan principal. How many other consumers may be have had the same issue but did not realize the mortgage company 's improper book keeping that accrues interest in their favor? 

An authority really needs to review how this company conducts there business as I suspect there are many others that have had interest over charged on their loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage serviced by ASC ( Wells Fargo ). It is a balloon loan with final payment due XXXX 2016. The rate is 10.5 %. The house has fallen into dis-repair due to health issues. It is currently uninhabited. I am current on my payments, however it is ruining me financially. I am living paycheck to paycheck. My LTV is about XXXX %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( 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 non-monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MRS BPO, LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I had a prepaid cell phone service with XXXX. I terminated the account with them and never received a bill and they placed my account in collections and it was reflected on my credit report. I paid that bill of {$240.00} off and I found another collection account, placed on my credit report, 2 years later under XXXX. I called and spoke with XXXX and they said it was for a cell phone that was n't returned. I have tried several times to return the cell phone an each time, I was told they could n't take the phone, because the account was a collection account. I called XXXX on XXXX/XXXX/XXXX to clear up, this second collection account on my credit, as I have no idea of why it is there. And I was told they could n't accept the phone again and they could n't discuss, my account with me. I was given a second number to call XXXX and the number was to a company ( MRS Bpo LLC ) a collection agency.I Spoke with a XXXX XXXX XXXX, he only wanted to discuss making a payment to a company, that was not on my credit report, nor I had never done any business with them. 

I reviewed my credit file again, there is no record of ( MRS Bpo LLC ) on my credit file, I have XXXX listed as a collection account for {$1400.00}. I paid my last bill and never received any other bill request for payment. 

Under the Fair Credit Reporting Act ( FCRA ) if it is inaccurate, it must be remove permanently. I do n't owe XXXX, nor XXXX XXXX XXXX, has damaged my credit file and XXXX is trying to defraud me and extort monies from me. I am requesting that the negative account be removed and any future business or contact by XXXX XXXX cease and desist. I have no business dealing with their company. 

I have attached several copies for my credit report, one showing I paid off the XXXX bill, after the account was closed and placed in collection, a second copy of the report, showing the second collection, showing up 2 years later and under XXXX and is what both parties are saying is correct. XXXX is not the debtor, but, it is listed under XXXX and not XXXX XXXX as of the date of this filing. Both parties are in v violation of the ( FCRA ) with inaccurate information. If they ca n't keep record of whom, the account is in control of, how can I as the consumer, have any idea of whom to pay or return the cell phone to, as I still have it in my care to this day. If the debt is for a cell phone, that was n't returned, then this is a easy fix, they receive their phone and release my credit file of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My student loans have been forgiven due to XXXX and the creditor XXXX XXXX XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Equifax and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian they r very disrespectful people, I did dispute collection this is 6 times, I ask them prove to me thet the XXXX XXXX XXXX, they r providing any proves to you, no respond they r very very disrespectful, I did XXXX letter send them proves, XXXX XXXX XXXX XXXX they could n't prove the debt to me, how they prove that to you experian, I talk to them over the phone also I give them tracking number thet XXXX collection agency they received my documents to provide me withe prove no respond from collection for 8and half month, and how come you experian do n't prove to me, I send them letters proves they ignore them, I threatened them withe law sued they start to XXXX XXXX, so that shows you how careless people they r and how they disrespect r constitutional rights

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 07-06-2017 about Debt collection (Medical debt) with Central States Recovery, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I pulled my credit report and noticed this company is listed on my credit report claiming several accounts. They did not send me anything in the mail allowing me a chance to dispute this alleged debt that has been sold several times with no proper validation. I send them a letter certified tracking number XXXX and has requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A debt collector is calling my place of employment repeatedly XXXX-XXXXx/day over the course of several weeks. They have called my direct line without leaving a message. They have called the main office line and asked for me by name. An office assistant at my place of work who took the phone call said it was XXXX XXXX # XXXX with Windham professionals. I have received a voicemail from this person on my personal cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with EXETER FINANCE CORP. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have an erroneous collection account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2017, by telephone at XXXX and spoke with a senior representative named XXXX. She advised me that she didn't have any information on this account and if I wanted to dispute it I would need to send a letter to their corporate office at XXXX XXXX XXXX XXXX XXXX ; XXXX, Texas XXXX. I sent several letters via certified mail return receipts ( XXXX and XXXX ) to both Exeter Finance as well as the credit bureau reporting the information asking for documentation and method of verification. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I have never received any responses back from Exeter Finance nor the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Medical) with Receivable Recovery Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did n't receive anything from them because I moved, but wend I did speck to them years later. I informed the that my baby was on XXXX and done anything they asked me to do. But instead they still put my account in Collection. I paid them Once they put me in collection, with the understanding with would be removed, Lets just say that did n't happen. Since paying them its still on my credit report. plus I also called them, only for them to be RUDE to ME

Company response to consumer: Closed
Consumer complaint received 06/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently noticed two OPEN collection accounts on three of my credit bureau reports stating that Midland Funding/Credit Management has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to yet alone two separate accounts with two different debt amounts. I was puzzled. OnXX/XX/XXXX I 've sent Midland Funding LLC two separate letters via certified mail regarding the two separate collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on onXX/XX/XXXX. On XX/XX/XXXX, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm even more puzzled. It is now XX/XX/XXXX and I still have yet to hear from them with my reply of this agreement I am asking for. On the 31st day, if they do not reply I will have to take the next step to excercise my rights. This is very damaging to my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: An old civil judgment has been satisfied. I sent the " Removal of Recording '' to the bureau to have the posting removed. Equifax declined stating they need an " Expunction '' statement from a local judge to remove. In Louisiana, expunctions are completed for XXXX Judgments. I explained there is no civil expunction process in place ; furthermore, I was told by the courts that the Removal of Recording statement from the attorney/client was sufficient to have it removed. The Equifax still refuses and is asking for something that can not be produced. Basically, there is nothing they will do to remove the old judgment from my credit report. The Civil Judgment docket number is XXXX.

Company response to consumer: Closed with explanation