milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.

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 01-11-2018 about Vehicle loan or lease (Loan) with CORELOGIC INC (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have seen hard inquiry for certain lenders with out my permission

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 01/25/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called first XX/XX/2017 Specifically requested they do not call me ever again and to send validation of debt, she refused, repeatedly attempted to coerce me into giving more information. Told them not to and that I would ONLY deal with them by mail/email. Sent email and fax as written notification to cease all telephonic communications Called again XX/XX/2017 at XXXX XXXX, called back told them to cease and desist calling me. Sent an email to a XXXX and a VP requesting they cease and desist all telephonic communications Called again XX/XX/2017 @ XXXX, called back again requesting they cease and desist, informing them they are now doubly in violation of the FDCPA. Representative kept insisting " well I am a completely new person ''. This is not my problem, as any of them represent their company and are thus equally liable. Again, attempted to coerce me into a conversation after I repeatedly stated, " I do not deal with third party debt collectors, do not call me again ''.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the fourth time I am dealing with this fraudulent debt that roots from XXXX XXXX XXXX. Every single time, this invalid debt is taken up with XXXX XXXX XXXX and the collection agency they refer the debt to and every time, it is removed and this is the 4th time it has now posted to my account. I have correspondence sent to XXXX XXXX and the previous agency and the account was removed. Each time XXXX XXXX says this is an internal error and then refer me to the collection agency. This makes no sense and is there no protection for a consumer against fraudulent collection accounts? I do not have the hours of the day to sit on the phone with XXXX XXXX and the collections agency every time this comes up. This is ridiculous that consumers have no protection against these types of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Medical) with HOVG, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HONOR FINANCE, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Contacted Honor Finance on XX/XX/XXXX regarding 2 hard inquiries done XX/XX/XXXX. The one I asked them about was XX/XX/XXXX. The company person did not explain why they ran a hard credit check twice, once on XX/XX/XXXX and XX/XX/XXXX. I explained to them that I would like the XX/XX/XXXX removed due to already getting one done XX/XX/XXXX. They refused, so I would like to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XX/XX/2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent Walmart account and was told it was sold to XXXX XXXX, I was informed by XXXX XXXX that the debt was paid.

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 02/23/2018 about Debt collection (I do not know) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I  said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Consumer Loan (Installment loan) with Consumer Adjustment Company Incorporated (MO).
Issue: Problems when you are unable to pay

Complaint: The collection agency identified as CACI has already had right party contact with me and has verified the best phone number to contact me on. Since then they have contacted my family and requested location information as well as my employer. My complaint is that they have already had right party contact and should have no need to contact third parties for location information they already have.

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 12-05-2016 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a mortgage modification application for the mortgage on my primary residence at my first foreclosure settlement conference which was XXXX XXXX, 2016. The bank was instructed to send me a missing documents letter on, or about XXXX XXXX, 2016. Instead of requesting documents, I immediately received a denial, dated XXXX XXXX, 2016 stating that I would not be reviewed or offered any other modification because I previously declined a forbearance plan that was offer which the servicer feels was affordable. The forbearance offer was for 6 months and I could probably have made the payments somehow to save my property. The problem is that I can not make a {$10000.00}. down payment, and 6 months trial payments to possibly get a modification with a balloon of {$130000.00}. I am recently widowed, have XXXX children depending on me for financial support, XXXX of whom is in college full time and the down payment is just not a realistic option at this time. They did not even consider other options according to the letter. I want to pay my mortgage but I would like to be considered for a reasonable modification that is not going to jeopardize my ability to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Payday loan) with Resource Management Group (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I got a call from XXXX on XX/XX/XXXX, Employee ID XXXX contact XXXX or XXXX. Case number XXXX. That if I did n't pay the full amt of {$1400.00} or {$340.00} that there would be fraud charges filed. I told him that I called XXXX the day the check was due and spoke with the location manager, and told her that I would be in on XXXX to pay the check because I was still at work. She told me she was going to deposit the check no matter if the money was there or not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: Why are banks allowed to process debits from largest amount to smallest, thus collecting more in overdraft fees? My bank Chase XXXX uses this practice to collect added insufficient fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been confirmed as a victim of the Equifax Hacking Incident. Unknowingly, my very personal, private information was disclosed to 3rd parties, without my consent, knowledge, request or approval in XXXX of 2017 as reported by them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XX/XX/XXXX  {$390.00}  XXXX - XX/XX/XXXX  - XX/XX/XXXX  {$0.00}   XXXX   XXXX   XXXX   XX/XX/XXXX  {$0.00} I would like to provide proof I consented t o this inquiry via fcra section  609 and 605 as well as the accuracy of this inquiry via fcra section 623 if you have no proof immediately of any or one I would like it removed immediately Iv asked for these to be removed more than once and have never got any answers nore have they bin  removed

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 07/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing a complaint about Portfolio Recovery Associates They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Portfolio Recovery Associates is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Portfolio needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of contract to include XXXX XXXX # XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting on behalf of Equifax , They are showing XXXX accounts open that should be closed through a discharged bankruptcy.Equifax says they have them showing closed but yet they show open through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Recently signed up for  XXXX   XXXX   XXXX  around  XXXX    XXXX  . Upon the people at   XXXX   XXXX   XXXX   XXXX  checking out my debt at  Paragon  they was able to remove  one account from there records but not the other account. I received a letter from Paragon Collection Agency stating they are validating the debt by sending me a medical bill that does not show my actual signature on this bill that they submitted to an insurance company. This is not validation of the debt as it does not show a signature on this documentation that they provided but instead, it seems to violate HIPPA laws as they should have t his information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit is not being resolve and not all on same page with all XXXXbureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with RGS Financial, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number keeps calling me but never leave any messages on who they are or what the call is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid these highlighted bills on time as agreed but Credit Reporting Agencies continued to report them under Negative Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft XXXX XXXX XXXX XXXX Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (ME).
Issue: Getting the loan

Complaint: I received a letter from Avant informing me that I was pre-approved for a loan in an amount between : {$1000.00} and {$25000.00}. I logged into the company 's website to check my rate as instructed. When I did so, I was immediately declined without reason. Moments later I received an email titled " Notice of Adverse Action '' from Avant, informing me I was denied. Additionally, I was told to contact the Application Review Manager at XXXX XXXX Avant to request a reson for the denial. Lastly, the company informed me that they obtained my credit information from XXXX, the basis on which they made their decision. Why did Avant decline my loan request after notifying me four different times in their unsolicited letter that I was pre-approved? Why was I not informed that the loan was provided by XXXX? Why did the company run my credit report, when I was told at the outset that my credit report would not be affected?

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: On  XXXX   XXXX ,  2017 I did  a balance transfer of  XXXX . I called american express and was told that counted towards my payment for  XXXX   XXXX . Ion  XXXX   XXXX ,  2017 I ca lled them to make my  XXXX   XXXX  payment. I was told I could use my blue rewards cash rewards as part of my payment, so I did this and made an additional  XXXX  payment. On  XXXX   XXXX ,    2017 I g et a call saying I am late with my payment. I set it up to come out on  XXXX   XXXX . Then I looked up my account and remembered I made my payment, so I called back and was then told my balance transfer and my blue rewards did not count as a payment.his is completely wro ng 4  people told  me four diffe rrrnt thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: false info from XXXX cancelled deal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Caller : Portfolio Recovery is calling people that they have stolen personal info on and old Bankruptcy accounts older than 7 years and threatening people that they still owe the monies and they will ruin my credit they are a Debt collector and stealing my private info to do illegal stalking and harassment XXXX from XXXX IL- I also have about 1000+ calls form other offices and states and they have called 3 to 4 times a day to once a day for the last 10 yeas

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with American Credit Bureau, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: After noticing the debt on my credit report, I sent a Debt validation letter to American Credit Bureau. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, America Credit Bureau did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the AMERICAN CREDIT BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original date of this debt has exceeded the 7 years old time frame to collect.

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 01-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been in contact with Ditech Financial since XXXX trying to receive my escrow refund check. I keep receiving the runaround, we are researching the issue, we`ll resend the check but it has been going on for XXXX months and I have NOT received my Escrow Analysis nor my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation