milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by AFNI collection company thru a letter stating that they were willing to accept a settlement on my XXXX account for half the original amount I paid the settlement amount and then requested a letter stating that I was paid in full and no longer owed any more money, I was told by the AFNI customer service that it takes 120 days for their system to update and I would not receive any letter until that time but only 7 days after I paid the settlement amount I receive an alert from XXXX stating I have a change in my credit I was sure it was AFNI updating my account to XXXX balance. yes, the new information was from AFNI but it was not reporting that I have a XXXX balance AFNI is now reporting that I still owe the half they agreed to settle with me and that my high balance was only the settlement amount and I still owe XXXX I also received a letter today from AFNI stating that they are still trying to collect the other half of the debt. I feel that AFNI deceived me by sending me letters stating that they were willing to settle my debt and once I paid the settlement amount they are continuing to try and collect the balance, I am seeking to find assistance as to hold AFNI accountable for their deceitful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX MODEL, XXXX XXXX AZ 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 02-08-2016 about Debt collection (Non-federal student loan) with First Associates Loan Servicing LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

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 09/29/2016 about Debt collection (Mortgage) with Aldridge Pite, LLP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. ().
Issue: Unexpected or other fees

Complaint: I have placed an advance for my product camera which cost of XXXX XXXX XXXX and one of the customer from USA asked for the and she as send the address to which I need to send and once the product reached I will get my money like that she as informed me ... but now she is not responding and that bank people also not responding and they are asking extra money for transfer of amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 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, I received the result of my dispute submission. The result was, the account belonged to me. I am a XXXX, and my father is a XXXX, the account belongs to him. This collection account apparently was opened in XX/XX/XXXX, In XX/XX/XXXX I lived in California with no pets why would I have a XXXX XXXX XXXX account? 

I believe because my father and I both have the same name, and I recently ( as of XX/XX/XXXX ) live at the same address there was a mix-up and his collection issue has found it 's way into my credit report. A simple investigation into the account may show the original account owner is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was  uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.

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 05-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult son there in XXXX or XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Equfax and XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Shopping for a loan or lease

Complaint: I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Opened an electric account with XXXX back in XXXX/XXXX/2014. 
The account, however, was closed ten months later due to irregularities in billing and the fact that such account was been inflated with excessive fees.The problems revolves around the fact that after having closed the account for such reason.I.C SYSTEM Inc a collection agency on behalf of XXXX has engaged in practices I consider to be instigative and harrassive.Since they have continued to call my house in order to demand payment for early termination fees. despite the fact that I never entered into contract with XXXX.

Company response to consumer: Closed
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX XXXX and Experian, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.

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 11/17/2015 about Debt collection (I do not know) with Contemporary Recovery Solutions Inc. (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Harrassing me at work, telling my co-workers that I have a legal issue ... ..that I need to call ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Several items were removed from my credit report after investigations and me paying several debts in full from my credit report as of XXXX 2017. Equifax removed several items because of letters from companies advising that they were to be removed. Equifax also updated all of my credit card payments up to date as of XXXX 2017. On X/XX/17, my credit report was correct and included XXXX collection, XXXX inquiries, & XXXX negative items. The next morning I woke up to XXXX negavtive items, XXXX collections, & XXXX inquiries which is SEVERELY incorrect! Equifax even removed my payment histories for my credit cards that were last updated in XX/XX/XXXX and put the last updates as XX/XX/XXXX. The removed some credit accounts all together. It was as if my credit report fully converted back to XXXX of 2017. I  called and spoke to reps for hours who refused to help as I advised that there was something wrong. They assured me that there was no technical errors or glitches. I advised them that I pay them monthly for a credit service & I review my report everyday. I let them know that my payments on all my cards were showing last updated X/2017 & that now they were showing last updated X/2017 which is definitely incorrect as that date is in the past. I advised that the credit report just the day prior listed all my accounts and they were all now gone & now included stuff that they received letters to erase & that their own investigation had deleted. I proceeded to call several of the companies now showing on my report and they advised the last notifications they sent to equifax was to remove the debts months ago and that they had sent nothing new. This is soley on equifax and is their error, not the companies error as they did their part correctly. Equifax is reporting incorrect information and erasing pertinent info and has now destryed my credit and haulted my home buying process. They refused to escalate or even pull up or accept any report from the day prior as proof of what I was saying.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with Global Recovery Solutions (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: When 1st contact by them on XXXX called back and ask them not to call my cell phone number and used a XXXX number to call me and call again today XX/XX/2017 on my cell phone again.

Company response to consumer: Untimely response
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband passed and since then I have been struggling to make my mortgage payments. My home is in foreclosure and I have been trying to work with my lender Wells Fargo to find options to help me keep my home but I am constantly getting the run around and unable to get flat answers from them. After researching online I have realized I am not the only XXXX in this situation and feel I am being taken advantage of and not being treated fairly nor properly. I am now facing a sale date on XXXX/XXXX/2016 and can not even file bankruptcy to save my home as I have exhausted that option way to many times and can not afford to pay my mortgage on top of a payment plan through the court. I need more time to figure out my options and for Wells Fargo to work with me instead of selling my home.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, Experian, XXXX all are treating three hard inquiries as THREE hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, XXXX and XXXX XXXX, XXXX for XXXX and XXXX XXXX, XXXX for XXXX. These are supposed to be treated as one inquiry.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax was hacked and exposed my data to XXXX knows who.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (OH).
Issue: Taking out the loan or lease

Complaint: I applied for a loan with Rise Credit on XXXX/XXXX/16 and was denied for the following reason : Fraudulentactivityassociatedwithapplication. 

I called and spoke to a supervisor who was not helpful and was agreeing with the denial reason, there was no false or fraudulent information provided. This either gets resolved or i involve a lawyer with a class action lawsuit for discrimination, falsification, and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a foreclosure on my home in  XXXX .  XXXX  reported it on my credit in  XXXX   XXXX . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX    XXXX   contacted  XXXX  telling them this debt ( charge-off of {$35000.00}  ) w as too old and needed to be removed. They refused to remove it, stating we had made payments in  XXXX ,  XXXX  and  XXXX  of that  year (   XXXX  ). We were unable to purchase a home due to their fraudulent claims.     I disputed it with  XXXX  and thankfully they removed it. I have tried to dispute with  XXXX   (   XXXX   XXXX   ),  but  XXXX  reported we never missed a payment from  XXXX  to  XXXX  and we make payments on the loan every  3-4 mon ths. They have not reported to Experian any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from  XXXX , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a  7-year p eriod to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  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 04-07-2016 about Debt collection (Credit card) with Alorica Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.

Company response to consumer: Closed with non-monetary relief