milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alessi & Koenig, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX, 2014, a debt collector threatened to take my home if I did n't pay them the XXXX they claimed I owed them. I did not owe that money asked for a breakdown of fees they refused to give me the explanation of their fees. They thought I was behind on my Home owners association fees but I paid them they refused my checks and returned them. This attorney firm located in XXXX XXXX was determined to auction my home I paid XXXX for in XX/XX/XXXX. On XX/XX/XXXX without warning to me or the mortgage lender, they auctioned off my home for XXXX when it is worth XXXX in current market. They left me with a XXXX mortgage that I am still responsible for. My lender is still paying the taxes and Insurance and charges all this to me every month.This firm is corrupt and has racketeering charges and convictions. They bribe as many people as they can and have taken over XXXX properties. We do not have XXXX for attorney fees to fight these cases. They take these homes and milk them for rents until the bank forecloses on me. They have taken the title out of my name and threatened to call the police if I step XXXX foot in my home. 
I need help getting this property returned to me I do not have attorney money, I want your organization to look into this Alessi & Koenig and find out why all these courts are allowing this ...

Company response to consumer: Untimely response
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX   XXXX   XXXX  , account #  XXXX  was disputed then removed from my  XXXX  credit report on  X/X/2016   . It was also disputed then removed from my   XXXX   credit report on  X/XX/2016   .   XXXX   XXXX   XXXX   sold the removed collection accounts to  XXXX , account #  XXXX , and it is harming my  credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Despite many attempts, the bank continues to report incorrectly to the credit bureaus an account that was closed. The bank refused to acknowledge that the account was reported as charged off when a payment had been made before the anticipated date of to prevent to prevent a charge off classification. Although I tried many times to have the record corrected the bank refused. 
I gave up trying to get the bank to correct the record. Later, the bank offered a discounted pay off which was supposed to eliminate the charge off status and replace it by account settled at less than the book balance. The bank agreed to eliminate the charge off code. I made all the agreed payments but the bank did not change anything. 
I contacted the bank again to let them know about the error in the credit report. The bank sent me a letter indicating that changes have been made ; however, my credit report continues to report the account as charged off and now also as settled for less than the book balance. The bank used unfair and deceptive practices to encourage payments and then does not comply with the terms agreed at the time of the collection call and to continues to affect the customer 's credit despite an earlier resolution. My statement can be demonstrated by the recorded conversation the bank always makes on all collection calls. 
I am asking the bank to remove the charged off code. I am hoping that the bank would not deny now that there is recorded conversation. If they do, that is a false representation ; which they probably follow by asking me that if I have written evidence of the conversation to send it to them. Obviously, it impossible to comply with that request and they know it, but they do have it the evidence required and always refuse to produce it. 
Your cooperation is appreciated XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: TSIXXXX {$24000.00} account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX FLORIDA XXXX JUSTIOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote : This is not my bill. I did contact the Department XXXX XXXX XXXX and was told I should not of had this go to collections and it would be removed. I t has not be removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (TX).
Issue: Managing the loan or lease

Complaint: On yesterday, Saturday XXXX XXXX, 2015, I received in the mail a XXXX XXXX XXXX XXXX XXXX XXXX statement dated, XXXX XXXX, 2015 in the total amount of {$1200.00} ( Creditor LVNV Funding LLC ; Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I AM DISPUTING, this claim. On or about 7 or 8 year 's ago, I paid this account off ( after, it was charged off ). I am DISPUTING, the amount of the monies claimed by LVNV Funding. I have previously, DISPUTED THIS ACCOUNT ( S ) with XXXX, XXXX and XXXX. This account by LVNV is old and was charged off XXXX year 's ago. I will fax all supporting documentation to CFPB for the purpose of this filed complaint. LVNV Funding, is NOT authorized to use any of my personal or confidential information. According to Fair Credit Reporting Act, it is illegal to request more monies than what is owed. Again, I am timely DISPUTING, the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Payday loan) with BlueChip Financial (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from a man stating he was with Spotloan.com about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is BlueChip Financial and not even licensed. They need to be stopped!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (MD).
Issue: Fraud or scam

Complaint: Lexington Law pr omised me they will help me to repair my  credit score and I  paid them more than {$1000.00} and I am still a point zero. They did do anything for the last 12 months.   XXXX  They also took money out of my checking account without my consent.   XXXX  How can I have my money back please? I did not and will not sign anything with them. They do not stop to call me and trying to make me sign an online agreement which I do not want to do.   I just want my money back!   XXXX  Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX XXXX as a result of an XXXX that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XXXX/XXXX/XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX XXXX on XXXX/XXXX/XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XXXX/XXXX/XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by XXXX XXXX ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the XXXX XXXX XXXX XXXX, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by XXXX. 
Later on XXXX/XXXX/XX/XX/XXXX, I received a separate notice from GC Services requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX Equifax several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all XXXX continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I signed a contract with 21St Mortgage Corporation on XXXX XXXX, for a Mortgage loan of {$63000.00}, at 7.25 % of interest rate, and to be paid in XXXX monthly installments. I paid off this mortgage on XXXX/XXXX/XXXX. After checking my payments I noticed that the interest I have being paying is 8.02, a difference of 0.77 %. I called 21St Century on XXXX/XXXX/XXXX, and they told me that the interest I have being charged is OK., everything is under the contract, and not refund should be done. I know that 's not right, and that a refund must be done to my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: On XX/XX/XXXX XXXX Attorney, XXXX and I contacted Equifax and spoke with their Fraud team. They agreed that XXXX XXXX/XXXX provided was fraud in the amount of {$5200.00}. They were supposed to remove. 

They still have not. 

On XX/XX/XXXX I filed a new fraud/dispute # XXXX to remove continued fraud of XXXX XXXX/XXXX customer and 3 new fraud accounts from XXXX XXXX. 

On XX/XX/XXXX they requested a full copy of the last XXXX XXXX Police Identity Theft Police Report. I faxed this to them at XXXX on XX/XX/XXXX at XXXX XXXX. I will attach a fax confirmation of this. 

On XX/XX/XXXX & XX/XX/XXXX I called again to make sure they received a copy of the faxed police report and they said they did not. 

Now they say they have closed confirmation # XXXX before I could submit the police report. They just closed the file without attaching the police report. Thus not taking off the fraud. 

I have faxed in all documents of fraud to verify fraud by the XXXX XXXX, TX and XXXX, TX Police Departments. 

They promise to remove fraud, but they do not. 

These same companies have been removed correctly from my XXXX and XXXX Credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 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: Equifax is re aging a collection account purposely causing my credit score to go down. I do not even own this account and I have disputed this with Equifax several times. Not only are they re aging they are falsely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reinserting previously deleted items to my credit file such as a judgement after it 's been deleted as well as other accounts. I also have a split file where XXXX different reports are being provided. This has been confirmed through separate lenders having seen different reports on XXXX separate pulls. They refuse to acknowledge that split files are possible or that I have one even though lenders are seeing it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My house is in foreclosure : I 've applied to do a short sale & have been ignored-now I 'm getting notices from the local sheriff 's dept.I was informed I could do a short sale : I started the preliminary process but, as per usual with BOA , the CSM changed & did not call.I called the numbers I had but my account was not in that dept. & I was n't given the option of speaking to anyone or leaving a message.Im frustrated & extremely stressed.Ive tried, to no avail, to get a loan modification.Now, I 'm just trying to do the right thing by selling the property, so BOA gets their miney & I can start over with my sanity intact

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IA).
Issue: Managing, opening, or closing account

Complaint: I have had no access to my money on my card for 3 days since they tried to upgrade, I have spent several hours on hold, with no resolution. They have sent out several social media messages saying the problem is fixed, or saying it will be fixed and as of this moment I still can not access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (NE).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I applied to a XXXX school in XXXX XXXX. I finished my courses and walked at graduation XXXX XXXX was told our XXXX would be mailed to us in the following weeks. I called everyother week from XXXX XXXX til XXXX XXXX asking about my XXXX. was told its going out or was in the mail. called back XXXX XXXX and found out the school filled bankruptcy 3 times and closed. 
I never received my XXXX showing completion. contacted the state and was only sent my transcripts showing my hours. I am not able to take my XXXX test without my XXXX. im now stuck with a XXXX dollar loan that I cant afford since I have not been able to find work where I can afford child care for my children and repayment of this loan. I do n't qualify for the school closure because they considered me out of school at that point. I was never given the proper entry exam, I was not a XXXX and obtained my XXXX while attending classes. I did n't qualify under those circumstances either. I did the income based repayment. and apparently Great lakes my loan servicer put me on forbearance when I have always done unemployment deferment deferment but now my subsidized loan has {$480.00} in interest I was not made aware of. I feel extremely used and taken advantage of when I never took a dime of the governments money, I had to pay almost {$1000.00} out of pocket to cover what the loan would n't. or the fact that the school charged what they did when I had to buy everything myself. everytime I have contacted great lakes im basically told oh well nothing we can do. im not even offered a payment plan im just told this is what I pay and that 's it. most places you get options. 
The school I attended was the XXXX. And I know for a fact im not the only student in my class that did n't receive their certificates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. XXXX is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. Transunion and XXXX both allowed fraudulent accounts to continue on my credit profile, XXXX allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There was a breach of security at Equifax with my personal information made vulnerable along with 140 million other individuals, and per their report on their website, my information is at risk. This places me under duress that my information can be stolen and my identity stolen, which can lead to significant impact on my life and my family 's lives in the future if it is stolen. This company did not have proper protection in place as evidenced by the significant amount of impacted individuals.
I have already placed a 90 day free fraud alert on my file. I also have obtained my free annual credit report from XXXX and XXXX. I have been unable to obtain my credit report from XXXX for some unspecified reason per the website. I have sent a written request for my credit report from them today XXXX. 
Equifax has not contacted me that my information is at risk, I had to find out on my own and check their website to discover this. 
I believe that one year of credit monitoring and fraud protection is not sufficient protection for the amount of people affected by this attack, nor is the punishment of the company reflective of the significance of this attack. In addition, signing up for their protection for one year voids our ability to pursue legal recourse in the future if our information is used past the year of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with U.S. BANCORP (TN).
Issue: Credit determination

Complaint: I have had an credit card account with US Bank for a few years. I wanted to add my husband to the account as an authorized user.We filled the paperwork out two times at the branch. 
On or around XXXX XXXX, 2016 a representative from US Bank called to explain that we would have to reapply for a credit card with a joint account. I asked if it would hit my credit and said yes. I told them absolutely not and withdraw the application. Both my husband and I have fraud alerts on our credit files. Even though I told US Bank no, they ran both of our credit on XXXX XXXX 2016 through XXXX. I have called the bank and they told me I have to write a letter containing my account number to The credit bureau disputes address. We have been a victim of fraud and I will do no such thing. US Bank need to remove the unauthorized hard inquires from our credit reports.

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