milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with The CBE Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I receive a monthly credit score report furnished by XXXX. I noticed that my credit score dropped from XXXX ( XX/XX/XXXX/XX/XX/XXXX ) to XXXX XXXX XX/XX/XXXX/XX/XX/XXXX ) on my most recent statement. I have no outstanding debt outside of my student loans and all of my bills are paid on time. I obtained my equifax credit report on XX/XX/XXXX and there was nothing outstanding, but there was a collection reported. The company CBE Group had a collection for {$49.00}. The report did not provide anything other than the date assigned ( XX/XX/XXXX ), the date of first delinquency ( XX/XX/XXXX ), date reported ( XX/XX/XXXX ) the last XXXX digits of an account number, and a creditor classification : retail. I have lived at the same address and have had the same phone number for 6 years. I NEVER received any type of communication from CBE. I 've NEVER received any communication of any sort saying my account was going into collections. There were no outstanding accounts on my credit report. I have tried repeatedly to contact CBE Group by phone and through their website ( I ca n't write to them because they did n't include a mailing address on the report and I never received a letter ) and I have n't been able to get to anyone. I try to call the phone number on the website XXXX, I can get through the first prompt and then the second prompt disconnects the call. This is EXTREMELY frustrating. The first thing I need is to know who the creditor is and I ca n't even get that. This mistake is causing a negative impact on my credit and I ca n't even get information on who I did n't pay. Just an aside, when I tried to look up CBE I noticed a number of pending lawsuits for fraudulent reporting. Please tell me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SLS admitted 1n 2 separate correspondences that my payments are current ( XX/XX/XXXX and XX/XX/XXXX). The process to get them to admit their error has taken one year. On XX/XX/XXXX I  received my credit report and a delinquent status was noted for SLS, which is not true given the documentation received by SLS and the Colorado Attorney General. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and CO Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). On XXXX/XXXX/XXXX I uploaded statements from SLS to XXXX disputing the delinquency. XXXX  stated they could not change the information without confirmation. 

I am demanding, because one year of errors is too much and should be reported to Regulators, that SLS update my credit report ( s ) to match the information provided in their letters on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Biehl & Biehl, Inc (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX and XXXX, a collection agency for XXXX, a XXXX XXXX NY newspaper called regarding a {$20.00} overdue bill I have. The caller, XXXX XXXX ( extension XXXX at XXXX ) was extremely hostile, abusive and rude. I told him my mother just passed away a few weeks ago, and he got even nastier. There is absolutely no reason at all for this company to behave like this. I do not have a credit card, so I am having my friend take care of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with AAA Collections (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: These I assume were resolved once before, Yet they were transferred to YET another company that is threatening my credit history. These assumed debts are are over 15 years old, Our medical insurance refused to pay, resulted in my termination of employment from same insured job and almost my life. I am now XXXX for the SAME reasons ( Federal XXXX ). I have XXXX XXXX now, XXXX and other serial medical issues. Our ONLY income is from XXXX. Please make them go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I feel like I was financially damaged by Quicken Loans in Michigan. I told them before the loan was approved that I was on a fixed income and could afford no more than {$550.00} a month in payments. It is an FHA loan and the payments were calculated to be {$510.00} a month. I added the additional to pay down the principal and have paid $ XXXX/mo consistently, never late. Here recently, I received a notice from Quicken that they had miscalculated my escrows, not by a few dollars, but by more than {$1000.00} per year. That made my mortgage payments go up to an unaffordable $ XXXX per month, and then an unaffordable $ XXXX per month after I had to borrow the money to make up for the missing escrows due to their error. This is more than {$100.00} more than I told them I could pay from the start. Had they done the escrows right by HUD regulations, I could have turned down the loan or lowered the amount borrowed at least to make it more affordable. I am on XXXX and ca n't afford those payments and they have substantially jeopardized my ability to keep my home because of the calculation error, and upped the payments more than {$40000.00} over the life of the loan. I informed them that my taxes were going to be around {$1400.00} a year after the homestead exemption was filed, and they based the tax escrows on those of the previous owner who was over XXXX and was only paying {$140.00} a year under a property tax freeze that I do not have. Also, he got an 80-percent reduction on the county school taxes because he is over XXXX, and that amount should NOT have been used to estimate my property taxes. They were supposed to use the amount I gave them and now it has substantially increased my mortgage payments beyond what I can afford on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, 2016 To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with SKO Brenner American, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hi, I received a letter from SKO BRANNIER AMERICAN XXXX XXXX ) regarding a medical bill due from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. This letter states failure to respond, yet they did not have my apt # on this letter, i was given this letter from my neighbor. How can i respond if they do n't have my full address? I have sent letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$580.00} they say that i owe them .... They dont respond and make me wait on hold when i call them ... They are quick to overcharge the patient and refund after the fact, as this occurred often. My Doctor left XXXX in XXXX of XXXX and i followed him to his new office, i actually had a balance of over payment ... they are notorious for over charging their patients, but i paid as i needed medical attention so i did n't question it. XXXX mailed me a check in XXXX of XXXX for approx {$300.00}. and then a year later, i am getting bills saying that i owe them {$580.00}, yet no back up they can provide and fast forward to XXXX - i am now getting a letter from this bill collector in New York. How do i go about this problem and get this resolved. I 'm going send another letter to XXXX and now the bill collectors, yet i feel this is so wrong and need an advocate as i get too emotionally wrapped up over the phone and feel they will ding by credit. Apologies for the sound bites of information- happy to provide more details. Thanks in advance for your help / assistance, much appreciated. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (WA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Wells Fargo opened an account under my social security number and date of birth, it has been affecting my credit and information and that person has been using my info to get apartments and fraud on my credit card. I have complained to Wells Fargo and still nothing has changed and I am still able to log into Wells Fargo and open the checking and savings account online at WellsFargo.com. All Wells Fargo did w as mail me a fraud kit to pay them money to fix a problem they created.     After I logged into  WellsFargo.com the first time I made a complaint to CFPB and Wells Fargo. Then a few weeks later, I logged into WellsFargo a nd I noticed they changed their mailing address of the person who was using my account.

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 02-04-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX once again made an error on my statement that they're blaming on XXXX because they don't want to fix it. They keep telling me give us a chance, when I do I get XXXX responses such as the letter attached. I do not have any interest free purchases with them anymore. The 2 I had in XX/XX/XXXX should've been paid off with many payments made to them by now. Recently I get a statement from them showing 2 with very high balances & 1 low that should've been paid off by now! I went onto their site to dispute it even sending the same statement I've attached to show them all of the info. They sent me back a generic response stating I need to send it in writing! Email with attachments is considered in writing if I am correct! This is once again their way of refusing to handle problems. I told them I'd report the issue to you to force them to once again respond as I had to the last time they gave me the run around back in XX/XX/XXXX. They asked that I give them a chance, then I received the attached letter which is exactly how they avoided handling the issue before! I'm sick of this co. and have decided once they're paid off this acct. will be closed! I have no desire to do business with those that try to pass the buck and refuse to resolve problems. They don't need my business and neither does XXXX. Neither is really that good at figuring out problems or correcting them so the complaint will be against both co. 's. This way XXXX will see I had to file 2 complaints about the same issues against XXXX because neither wants to take responsibility for doing things right. I've made my payments on time, have used the card responsibly yet both co. 's just pass the buck to avoid taking responsibility and accountability. I've had it with both and will do my shopping else where. Neither is the only game in town and just gets worse as time goes on. I want this mess corrected effective immediately. If they don't I'll sue both until one of them decides to step up and do the right thing! I don't do the no interest deals anymore because they don't credit them back properly when I return something. So when I did the last $ 500+ purchase back in XX/XX/XXXX, it took me coming to you to get them to fix it, that was it for me! Now I see another huge no interest deal on here that I know for a fact I didn't do???!!! Nope! Not putting up with it anymore. I said it before that I would close the account but gave them another chance, now that is the intent with no turning back. Neither co. deserves my business with the horrific service levels provided over the last year and going into XX/XX/XXXX. I refuse to do business with anyone that can't provide top notch customer service. This problem better get fixed or I'll see both in court!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: New York state had one orginal file of my mom 's first husband of XXXX XXXX XXXX who is XXXX over 700 listings and retailers wrecked on his documents attached to my documents in New York state. 

Federal not interested anymore in New York state, and won't marry into New York state New York state also frauded my family 's documents of XXXX and XXXX and XXXX and frauded using XXXX frauding my birth certificate long form of Indiana State They also let family 's bother me documents as XXXX XXXX menus and products. Federal not interested. 

Washington, Maine and Massachusetts and Rhode island and Pennsylvania and new Jersey and Delaware also frauded my documents and families documents when only XXXX XXXX XXXX was from Pennsylvania state and XXXX XXXX XXXX XXXX was from Pennsylvania state. 

Others frauded using XXXX and XXXX and XXXX and XXXX and with business permits and XXXX XXXX in all of those counties Washington State and Massachusetts and Rhode island and Pennsylvania and New York state fraud my documents.. my birth certificate of XXXX XXXX Indiana XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Indiana XXXX XX/XX/1972 isn't from those state. 

Maryland also pulled frauding scams using my documents and Nebraska and Mississippi and Kentucky and Montana and Ohio and IA state really bad. 

Others frauded my documents using food products and receipts and tv shows. 

XXXX and Florida State and Nevada state pulled none stop frauding scams using my credit files as tv shows scripts and radio till you had to turn off the tv. 

Others pulled frauding scams using cops tv shows media scripts frauding my documents..

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 04/14/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: receiptI wen t to Conns and w as approved to purchase a computer from there on credit. I accepted the terms of the agreement and also purchased insurance to protect the computer. After having it for about 6 months to a year ( give or take ) I started having issues with the computer and remembered I had purchased insurance on it for the length of the contract. I brought it to the store in  XXXX  Texas and drop it off for repairs. I spoke with and handed it to my salesman  XXXX   XXXX . I receive a receipt and wa told they would call me once it was repaired. Nearly a month went by and I called and asked was the computer ready, I was told they would have to call me back and advise as they would need to call to check the status as electronics had to be shipped out. I did not receive a call so I went to the store the next day to make my payment and ask again. They were still unable to give me an answer. I advised them at this time that I would NOT make the payment on an item I did not have due to them loosing it. I spoke with my saleman aga in (   XXXX    XXXX    ) a nd he said he would do everything he could to get this take care of. I called their corporate office in  XXXX  to advise of the issues and was told they to would reach out to me once it was resolved but still to date I have not been contacted. Also, I am unsure as to why this is still reporting to my credit file due to the age of which the first " late payment '' was in reality verses what they show.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX XXXX 2014. to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AR Resources, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After reporting AR resources to the CFPB on XX/XX/XXXX I received a response back from them stating that the account would be removed from my credit file. After speaking to a manager today,XX/XX/XXXXI was told that it will not be deleted until the debt is paid. This debt for the amount of {$650.00} and is a medical debt. I provided proof already that I had insurance at the time but they have yet to remove this debt from my report. Im confused as to why they would say that this debt will be removed from my report and then turn around and say that it will not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: In XXXX 2016, I ordered a free sample of of XXXX products from XXXX on line for {$4.00} shipping. This was charged to my account and paid but before I had a chance to open and use the product a charge for {$100.00} and {$100.00} appeared on my card. I called the company to cancel and find out why I 'm being charged when what I ordered was a free, pay for shipping sample. They said that since I did n't cancel within 14 days I owe the money. I put in a dispute with the Sears Mastercard and returned the product unopened to the shipping address.The company refunded {$100.00} but not {$100.00} to Sears claiming they are not obligated to refund my money because it was not returned properly. When speaking with Sear rep, she said Sears would not expect me to pay for something I do not have, but now are sending bills with additional finance charges.Trying to resolve this, I contacted the company several times.They told me that if I remove it from dispute they would refund the money. THEY DID NOT REFUND THE MONEY and Sears said they could do nothing about it. Please help get this resolved. I feel that I was scammed.

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 monetary relief
Consumer complaint received 12/24/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been making payments for 6 months to the original creditor but I was harrassed constantly on the phone by his collection agency, and this collection agency is attempting to bully me into paying them by illegally reporting a collection debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX RAN MY CREDIT ON EQUIFAX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED

Company response to consumer: Closed with explanation