milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Credit reporting () with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Freeman fiance XXXX collection agency XXXX from XXXX not XXXX incorrect reporting info and balance on my report for years!! 
Keep reporting info that was settled XXXX loan was paid off XXXX dollars the XXXX loan is obsolete due to the collection rep from freeman came to my home to collect payment after I went to the office to pay on time by check for {$50.00} dollars but was refused!! 

The other case was XXXX ... third party pymt co in XXXX ga XXXX XXXX I bought a XXXX XXXX XXXX paid it off then they called me for a trade but the location was at a different location small, house XXXX XXXX males I went to the main lot lack of trust another salesman found me a XXXX XXXX truck after I signed for it the paperwork was diff from what I got in the mail XXXX on the truck pymt were higher XXXX mo plus the truck had mechanical issues the rep said the parts are rusted in site at that point XXXX REFUSED TO GIVE ME BACK MY XXXX ... this was not only a violation by theft and misleading but a Robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with Credit Karma, Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove

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 05/23/2017 about Debt collection (Private student loan debt) with SLM CORPORATION (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX  : questioned by the attorney working for the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) abo ut the loan in question ( she should not have had knowledge of it whatsoever )  XXXX  :   XXXX   and held in  XXXX  in  XXXX   XXXX   XXXX  for   XXXX   XXXX   related to this student loan  XXXX  : previously reporte d Sallie Mae for v iolations of their privacy policy and disseminating personal information about my loan to a  3rd  party (  XXXX  attorny  XXXX   XXXX   XXXX  )  XXXX  : was incarcerated in  XXXX   XXXX   XXXX  for  XXXX    XXXX   related to this student loan ; was informed that it had to do with  Sallie Mae wanting to pursue  charges  XXXX / XXXX /  XXXX   : Released cosigner from liability relating to this student loan ( mailed letter to  Salli  e Maw hea dquarters ). Spok e to a Sallie Mae representative on the phone, was told that the loan in question was in default and he gave me two s ettlement options ( neither of which is practicle nor can I afford them )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We bought our first home XX/XX/XXXX. XX/XX/XXXX I received a notice of foreclosure. I tried to get a modification and did so but still could not keep up with the payment. The bank resumed the foreclosure and we received a letter stating they would be selling the house. we moved and a year later we found out that they stopped the sale and the house is still sitting empty in our name. I 'm just trying to find out what options I have if any. 

After doing some research I found out that known robo-signers names and signatures are on a-lot of my paper work. 
The original loan servicer was Litton loan and my mortgage was sold multipul times, I 've lost track of how many times. 
The current servicer is Ocwen and they keep sending me a bill for $ XXXXDo i have any options besides bankruptcy?

Company response to consumer: Closed
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the three main negative items that weighs heavy on my credit report which is preventing me from purchasing my first 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 02-08-2018 about Debt collection (Other debt) with Monterey Financial Services LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I purchase a contract # XXXX through XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, on XX/XX/2017. I paid XXXX down and finance XXXX the balance with Monterey Financial. They promise to relieve me of my XXXX XXXX XXXX XXXX  and give me a better way to vacation with XXXXXXXX XXXX. On XX/XX/2017, I received 2 turndown letter # XXXX and # XXXX dated the same day stated ( Mismatch social number ( bureau vs application ). Then on XX/XX/, I received a statement from Monterey Financial for {$7900.00} due on XX/XX/ for {$280.00}. OnXX/XX/XXXX I received confirmation from XXXX XXXX XXXX that they received my XXXX XXXX XXXX info and set up my client portal. 

I made my first payment of the XX/XX/XXXXand additional {$1900.00} on XX/XX/. I have not received anything membership from XXXX XXXX vacation plan. I call XXXX XXXX  and Vacation Consulting office after 30 days and I was told it takes 45 days to process and I receive a call from a supervisor stating It would take 60 days to process after they received my request to cancel. It has been more than 60+ days, no response from XXXX or any timeshare cure, vacation plan confirmation nor membership as promised. After several requests for results, I called my credit card company to dispute the purchase. OnXX/XX/XXXX, I receive an email from XXXX XXXX regarding my frustration. OnXX/XX/XXXX, I received a welcome letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, stated it will be another 3 weeks to receive my membership from XXXX XXXX, on XX/XX/ I receive a packet from XXXX XXXXXXXX stating that my membership is effective XX/XX/ ( no calls or emails confirmation ). 

My credit card company got all my money back, but now my XXXX XXXX XXXX is delinquent and Monterey finance put my account in delinquent status. I am disputing Monterey Financial. I received another call from a company soliciting for XXXX XXXX XXXX, XXXX this week. All timeshare are scams. I have 3 timeshares so I thought I should help others and stop these companies from defrauding consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report   XXXX   that I still owe a mortgage loan. My account ins blocked in their website

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: I had a bank of america checking account which I closed today. Lately they 've been charging overdraft fees BEFORE I overdraw the account. If the account gets under {$7.00} Bank of America with initiate an Overdraft Transfer and then charge a {$10.00} fee on top of that. I 've had BofA for years and this is the most recent scam of theirs to get extra money. I 've spoken to BofA XXXX times in the past month and I got reimbursed the XXXX XXXX times with the most recent incident earlier today resulting in me closing the account. The CSR said that BofA is " assuming '' that I will overdraw and to prevent that from happening they initiate a tranfser. My ending balance on XXXX XXXX, 2015 was {$5.00}, the following morning BofA inititates a transfer to keep my from overdrawing before I overdraw the account?! It 's bad enough they 're charging me {$2.00} for even looking at my balance on an out of network ATM but this is just so underhanded and sneaky. I still have a savings with them but I may close that soon. This is n't how overdraft works you charge me when I overdraft not before when you think I might especially when there were no pending transactions at the time of the overdraft transfer. This is the second time I 've closed a checking account with BofA because of their practices. I have XXXX other checking accounts which I use more frequently and I 've never had these problems with those XXXX other accounts. They try to justify the charges by saying that by the end of XXXX XXXX, 2015 I would 've overdrawn. I knew my account my close to {$0.00} which is why I checked the balance and because of the BofA inititated transfer of {$14.00} my account was still positive. Had that transfer not been inititated by BofA I would 've seen that my account was close to {$0.00} and initiated the transfer myself. Not once did my account drop below XXXX NOT ONCE. They charged me a fee and transferred funds all while the account was positive, way to nickel and dime your customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Data Furnisher hereby referenced as 'credit reporting agency CRA ' declines to comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block upon receipt of filled police report confirming identity theft. CRA is in violation of the FCRA 616, 617 with monetary penalties in legal damages under administrative enforcement 621. 
616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Data reported to CRA was compiled using wrong social security number and wrong address. Furthermore, CRA previously deleted information from consumer 's file confirming the alleged 'true name identity theft ' on more than 10 occasions. CRA has records of past deleted information due to 'true name ' identity theft. 

Enclosure : 1 presents verification of debt provided by reporting agent XXXX to the consumer. Address reported does not match on consumer 's report. Other information such as SS # Employment and insurance is incorrect. Enclosure : 2 Legal action against debt collector CFPB complaint by the consumer. 

Remedy : Comply and block information on consumer 's report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) within four business days.

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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 11/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: So here once again to file yet another complaint about Home Depot .... filled one last month because there automated system told me what to pay, to find out from customer representative it was double ... Now this time it 's to file a complaint on how do I get charged {$35.00} late fees for over 5-6 months in the past to this month because this great automated system did n't take my payment on due date to find out I 'm only getting a {$25.00} late fee .... odd so u just once again made over {$60.00} off me .... then talking to the case person being told that she will not be doin anything untill I file a complaint here .... so here 's your complaint .... so Home Depot has made over {$200.00} on me from there doing and wo n't do anything about it .... time to pay this thing off and close and warn people never get this credit card ... over {$200.00} in there make believe fees, you people should be ashamed. And someone REALLY should be looking much further into them ....

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 02/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Billing disputes

Complaint: I had a Capital One Credit card that was legally settled on XXXX/XXXX/2015 but is still being reported by Capital One to the XXXX national credit reporting agencies, XXXX, XXXX & XXXX. This account was placed with the XXXX XXXX XXXX, attorney firm, and was subsequently settled with the law firm. I have disputed this error both with the XXXX credit reporting agencies and with directly with Capital One, per the FCRA, but Capital One has arrogantly refused to correct their erroneous reporting. I have attached the settlement offer letter from XXXX XXXX and proof of payment, both of which were furnished to Capital One in my dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with PNC Bank N.A. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I had an overdrawn account with XXXX XXXX who left the account open and still overcharging me for hundreds of dollars for it. They called PNC Bank and told them not to give me a debit card which is catastrophic to me as I am going back to New York with {$5000.00} cash to live outside as I always did for 25 years facing XXXX at night as I was XXXX and XXXX at night in both XXXX XXXX as well as XXXX XXXX, my hometown as I was sleeping outside. I tried to sleep with my old father at the ATM in XXXX, just to survive when the wind chill was below zero and the police illegally XXXX me and my father in 1999 for XXXX XXXX. I still have a XXXX XXXX in XXXX County, but have to return there for survival. Now, since I have a criminal record I am being discriminated in both of the two banks PNC and XXXX XXXX who did this once before by keeping the account open make it impossible to get a debit card. It is dangerous for me to go to NY with {$5000.00} cash but I have no alternative to this and no bank will offer an immediate card for my traveling except XXXX XXXX in XXXX XXXX, NY but I am in XXXX hoping to go to XXXX so how will I do that as far as holding the money without a debit card where I pay for all my purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with Experian, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 03-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: 2 years ago, I had two checks cashed with my checkings account card where my pin was used. When I found out I had lost my card that same day, I immediately called Bank of America to report lost card. However, I saw to checks cashed in my account the next day. When I claimed this as fraud, Bank of America denied my request due to the fact my pin was used inside a branch. However, I was in school all day, I have never been to the branch. I called and begged for them to CHECK THEIR CAMERAS, however no further action was taken. I was only XXXX XXXX XXXX and did not know I was suppose to file a police report with the incident. They started to take money from my checkin account to make up for the thousands of dollars that were cashed by another person. Till this day, they stall me on the phone and I can not get any help from anyone.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Cascade Creditors Service, llc (OR).
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 began reporting a medical collection that was not submitted properly to my healthcare insurer. On XX/XX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XX/XX/XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. Finally inXX/XX/XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Part of the 143 million Americans who 's data was breached during the Equifax hack. 

Actions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is  [or XXXX dollars].

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 03-09-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I saw this doctor in XX/XX/2011.My bill was paid in full. Now, six years later wtih no subsequent communication from the doctor this collection agency claims I OWE this bill. I asked for an itemized bill and clearly protested this bill saying I did not owe this money. They sent me a letter and " itemized '' bill. The bill is not on any letterhead that says where it is from. It says the amount is {$190.00} but at the bottom it says NO CURRENT PATIENT LIABILITY. 

The attached letter from the collection agency says the bill does not reflect my current charges and says the amount owed is XXXX. The letter also contains the following statement- '' the amount owed on the enclosed bill shows XXXX because your account has been charged off as a delinquent account. This does not mean that the amounts charged are not due, or that you have a XXXX balance. The amout due is reflected above in the current balance. This statement may not refect payments made either by you or any insurance comany after the service date. '' I do not owe the {$83.00} that Commonwealth Financial Systems says I owe. My credit report reflectss my 100 % ON TIME bill payment. They did not include anything from the physicians office with identifiers saying I owe this money. The bill they provided says clearly PATIENT HAS NO CURRENT LIABILITY. 

I am in the process of purchasing a home and this showed up on one of the credit reporiting agencies. 

They refuse to discuss this with me and will not listen when I tried to explain what the letter says. They say I owe this when I have nothing other than a letter from them saying I do.

Company response to consumer: Closed with explanation