milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your 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 ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX recovery services have failed to do so.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The lender, Chase, has failed to recognize the terms of my Chapter XXXX Plan which is now a completed case with a Discharge Order. I was repeatedly told that they could n't adjust the erroneous amounts shown on the statement while the case was pending. Discharge was entered on XXXX XXXX, 2015. I wrote to Chase Bank on XXXX XXXX, 2015, after I received the XXXX statement, about the numerous errors in the statement and only received a vague letter response sent on XXXX XXXX, 2015. Chase has initiated XXXX calls to me and I have called the designated representatives frequently trying to get this cleared up. On XXXX XXXX, 2015 I was told it could take up to 3 more weeks to resolve. On XXXX XXXX, 2015 I called and spoke with another representative. I received a call the next day from yet another representative that it " may take 2 more weeks. " The mortgage is adjusted to the amount of {$850000.00} per the terms of the Ch. XXXX plan. All payments were current under the plan, all impound amounts are current. Starting in XXXX, 2015, I have made the payments of loan interest and principal and impounds directly and each month has included a voluntary extra payment to principal. The loan became amortized with the payment of XXXX, 2015. 
My statement remains incorrect, off by over {$200000.00}. Principal and interest is not properly listed and impound amounts are off by an incredible amount. I started receiving solicitations for loan modifications from Chase ( at least XXXX packets of them, including XXXX mailed to my former attorney in the bankruptcy matter ). They are internally showing my loan as 29 months late even though it is completely current. I am concerned about credit reporting on this account. They ca n't seem to do the simple accounting required to correct the statement which I first requested by letter on XXXX XXXX, 2015. On XXXX XXXX, they requested proof that my homeowner 's policy was in force the entire time, which I provided. I have documentation for everything in this report and more.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX   XXXX , whom we do not and never have held a mortgage with, erroneously paid our  XXXX   XXXX  County property taxes and is seeking reimbursement. I confirmed  XXXX   XXXX  made the payments with the  XXXX   County Treasurer 's    Office.  On  XXXX / XXXX / XXXX , a  XXXX   XXXX  Claims Processing Representative explained our tax ID # is similar to one of  XXXX   XXXX  's customers ( differs by a digit ), thus,  XXXX   XXXX  paid our property taxes in error. Based on internet research,  XXXX   XXXX  has made many errors in regards to property tax payments.     Initially, our mortgag e (  a FHA loan ) was with  XXXX   XXXX   XXXX . The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically,  XXXX   XXXX   XXXX  made our property taxes to  XXXX  County without issue. However, when  XXXX   XXXX   XXXX  made our  XXXX  property taxes, the payments were returned as they had been paid by  XXXX   XXXX .   XXXX    XXXX   XXXX  failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the form of checks.     When we received the refunds checks, we contacted  XXXX   XXXX   XXXX  for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned.  XXXX   XXXX   XXXX  sold our mortgage to Carrington Mortgage Services,  LLC  in  XXXX  of  XXXX . Our mortgage went to Carrington Mortgage Services, LLC 's books with an escrow balance. Carrington Mortgage Services, LLC issued us an escrow refund check, however, no explanation have been obtained from them.     On multiple occasions, we 've contacted  XXXX   XXXX   XXXX  and Carrington Mortgage Services, LLC to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (I do not know) with Midwest Recovery Systems (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection account showed up on my credit reports for Midwest Recovery Systems. They 're phone number is listed as XXXX. They 're address is listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. They show original creditor as XXXX XXXX. 1. I have not ever received debt verification or any correspondence from the collection agency. They say the account was placed in their office XX/XX/XXXX for debt dated XX/XX/XXXX, yet they have never contacted me. 2. I have never done business with CP Investors. I have not ever been contacted by them for any debt. 
I believe XXXX XXXX to be a scam and Midwest Recovery also. They failed to notify my of any account in their office within 30 days and reported a, fraudulent account to the credit bureaus. I would like the account removed immediately and Midwest Recovery held accountable for failure to comply with the law. What they are doing appears to be fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Problems when you are unable to pay

Complaint: I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiries were taken off my TransUnion credit report and then added back on. The law states that they must notify me that they were putting the inquiries back on my report and failed to that. I never authorized these inquiries and TransUnion took them off. They put them back on my credit report without my knowledge and did n't send me a letter saying that they was putting the inquiries back on my credit report. XXXX/XXXX XXXX XXXX 2017, XXXX/ XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX 2017.

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 02/23/2016 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe any credit card with this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A plumber did repair work to a leaking pipe. The plumber damaged other pipes during the repair, but did not pay for the damages. I disputed the charge with Discover credit card. The card initially gave credit, then it reverse the credit without any communication to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been paid in full to this company and they are telling 6 months before the lien is released. I need this lien released immediately. I have another bank that I refinanced through that has to place the lien on the property. I have kept calling and keep getting told its " in process. '' No one is helping get this lien released.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (DC).
Issue: Deposits and withdrawals

Complaint: Paypal seized XXXX from my paypal account that was sent by XXXX XXXX. Originaly an instant transfer of XXXX was made leaving a balance of XXXX. 
When a dispute was opened up on an unrelated matter Paypal seized the XXXX without merit and refused to return the funds to the original owner. 
I want the XXXX returned to the original owner, XXXX XXXX, so he doesnt need to file a chargeback with his bank. 
You cant seize people 's money without due process and without cause

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Payday loan () with FastBucks (VA).
Issue: Can't contact lender

Complaint: I DID NOT APPLY FOR A LOAN WITH PAYDAY LOANS. 
I received several calls from XXXX XXXX XXXX about a claim. Spoke to XXXX representatives who stated that i was in default and breached contract with Payday Loans in the amount of {$430.00}. Was given XXXX options to settle - XXXX XXXX XXXX one time payment in full of {$430.00} or installment payments on {$530.00} to be received in their office within XXXX5 days. They referenced a previous employer, and a financial institution with which I had no accounts. 

I told the XXXX representative that I refused to pay because I did not originate the loan - they asked and I confirmed the last XXXX of my SSN with the representatives and gave them my current mailing address and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account is closed since XX/XX/XXXX yet they are reporting no payment history yo Transunion which is effecting my credit score. This account should be removed from my Transunion credit report. 

Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type XXXX MortgageAccount Status Closed - TransferredOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 324 MonthsMonthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXX Status CurrentWorst Payment Status UnknownDate of Last Payment -- Amount Past Due $ XXXX 30/60/90 Days Late XXXXRemarks Transferred to another lenderCreditor Contact DetailsXXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with 1ST ALLIANCE LENDING, LLC (CT).
Issue: Credit decision / Underwriting

Complaint: I began my refi mortgage application on XXXX XXXX, XXXX. Today is XXXX/XXXX/XXXX and I am no further closer to finalizing the mortgage. I have been bombarded with requests for more information. Each time I am told that we have submitted all documents, I get requests for more. I purchased this house with hard lender money in XXXX of XXXX. I had a clear title search completed in weeks. 1st Alliance is claiming that it took 5 months to get a clear title from their title company. This property was built in XXXX and has only had XXXX owner, not a tough title search. The company has also confirmed that my file has been passed through XXXX different underwriters. I have lost my rate lock and had to pay extra to get a new rate. My appraisal had expired and had to order a new XXXX. I have had to submitt all of my documents and a few different occasions because they have waited too long. Last week I was told that we would close today or tomorrow, and much to my surprise ... .I was greeted with another email asking for more documents. I am in the business of buying and selling homes for a living, and I have never heard of, or experienced such a poorly run company. This experience has greatly effected my finances and how I have been able to run my businesses since XXXX. I have been unable to operate my life as normal for fear of raising issues with having to provide more documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On or around XX/XX/XXXX, received a letter of collection from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. Contact debt collector within 30 days dispute period and advise debt was incorrect. Company didn't respond. Had to hire an attorney to write dispute letter and assist with the debts collector wrong information. After attorney contact and dispute. Debt collector acknowledge of its error and the error on the information. On, XX/XX/XXXX debt collector send me a letter stating they will contact credit agency and fix error and wrong/negative information provided. 
On XX/XX/XXXX I reviewed my credit report and notice that AmSher had reported again the same wrong information to credit agencies which it had already been resolve and acknowledge by debt collector of being worng ... 
This has cause great damage to my credit, employment and daily operations of my business. I contact debtor on XX/XX/XXXX to dispute and request immediate resolution, which they have yet to respond, correct or fix. 

Debt collector has caused damaged by defamation and libel of my credit, by reporting, writing and reporting information in my credit knowing to be wrong and incorrect. 

I asked the CFPB to investigate this case, also provide further damage relief, guidance and/or provide information on how I can proceed with defamation lawsuit against debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never lived at XXXX XXXX XXXX XXXX New Hampshire, that was my daughters old address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifax took my information, mishandled it and then gave it away to malicious parties. Their website telling me to mark my own calendar is shameful. I did n't ask them to collect this, I did n't lose my information. They should be held fully accountable for everything, and THEY should be dealing with this. Not me. 

Shame on those sleazy executives for selling stock. What kind of disgusting corporate creed are we allowing to happen? Where is the justice and fairness for the average person?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: During the timeframe of when I held my account there at Navy Federal Credit Union in XXXX Washington from XXXX. When accounts became due they would freeze my savings/checking accounts until I paid them or scheduled a payment. This was normal operations for them every 2 weeks. I would have to call them to unfreeze my accounts on a daily basis at times. I am sure Navy Federal has records of this. That was the reason why I closed my accounts and went with another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have previously disputed Bankruptcy and XXXX other judgement on credit report and it has always come back frivolous I am now filing an official complaint through FCRA act XXXX to have them permanently deleted!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: Due to job loss back in 2008 I could not pay all my debts. I had contacted the Capital one company and told them I could not pay and to close my account. My credit limit was only {$500.00} and I had not maxed the balance out, but was paying on the balance. I discovered 2 years later that my balance had jumped from {$370.00} to $ XXXX!!! When I contacted Capital one, I was advised that because I had not been paying my balance timely enough, that the charges were continued late fees, penalties and interest! I understand late fees and some interest, but how in the world could anyone pay off a balance with no job when they continue to increase with no cap? I tried to negotiate with them to have me pay off the balance at a set fee, but they still would not allow the negotiation. It still remains on my credit today and after many calls they will not agree to anything! It is not as though I have n't tried over and over, but the charges are excessive and unfair.

Company response to consumer: Closed with explanation