milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have contacted Equifax multiple times and made them aware that I am not able to get my credit report and credit score and this is important to me because I have been a victim of identity theft and I have been suffering the consequences of it for many years. I have contacted Equifax a total of 43 times over the past year and trying to sign up for their credit monitoring service so I could see my credit report on a daily basis, and so that I could monitor the fraudulent activity on my credit file, but I have not been assisted. What happens is that you are transferred about 15 times during you call until you finally ask to speak to a supervisor, and then you are told that Equifax is blocking you from monitoring your credit score and credit report because your file is being handled in the Consumer Affairs Department. When you ask them why they are blocking you, they ca n't give you a valid reason. When you keep asking them they end up hanging up on you. I have called multiple times and asked why ca n't I monitor my own credit report and credit score, and I have not only never been helped but am always hung up on. <P/>It is tragic that a credit reporting agency would block a victim of identity theft from monitoring their credit reports and scores for fraud. It is like Equifax is a part of the fraud and do n't want you to see what is going on with our credit file. They have refused to provide me access to my report and score for over a year without a good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Purchase home inXX/XX/XXXX. First lien for XXXX. Undisclosed party practiced fraud by foreclosing inXX/XX/XXXX using second lien for XXXX foreclosed on same day the second funded. I discovered this XXXX months ago based on my investigation. third party XXXX XXXX never recorded or notified me. Undisclosed third party threw me out of my home on XX/XX/XXXX. currently in appeals process, disregarded my Quiet title actin Lis pendins, I have solid proof I was not in arrears. I discovered my house was not in the XXXX featured in unenforceable assignment. I discovered they used second line placed it into XXXX holdings in XXXX in XX/XX/XXXX. I know that they lost the ability to foreclose based on time statute. I made all my payments to XXXX XXXX XXXX and can prove that once they sold paper to Nationstar, in XX/XX/XXXX I was doomed regardless of my proven performance making my payments. they deliberately failed to apply my payments. I can prove the payments were sent to investors to deliberately put me into a artificial arrears. they stole my personal property, office and car. I have become sad despondent. lost hope in the system I once coveted, trusted in Please give me hope that this means something. Thank you very much. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 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: Account information incorrect

Complaint: In XXXX of XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XXXX of XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The ite m ( Inspiron 3050 - a  microcomputer ) was received at my home add ress ( redacted ).  It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in u nder one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (GA).
Issue: Managing the loan or lease

Complaint: Synchrony Bank is adding late charges, penalties and interest to my regular monthly payments being made on my RoomsToGo account even though my payments are getting to them 8 to 10 days before the due date. I can not get them to budge on this. I asked to speak with a supervisor and was told the supervisor is unavailable. I asked to have the supervisor call me when available they indicated that is not possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is against a company known as " Debt Recovery Solutions , LLC ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX Nevada and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX Nevada mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I found out that National Hospital Collections had reported information to my credit file when they told me if it was paid then it would not go on my file. I was XXXX at the time and was on workers compensation. I had borrowed the money to protect my credit and believed them when they told me I would not receive a mark on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Payday loan) with EMPIRE MEDIATION SERVICES LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Add this scammer to the pile of bottom-feeding fraudsters I 've filed complaints on over the past two years -- each one a downstream player in the XXXX XXXX XXXX Scam. They are harassing me regarding a debt that never existed, and they are committing myriad FDCPA, UDAAP and TCPA violations in the process. 

A robocall was placed to my cell number, which has been listed on the National Do Not Call Registry since XXXX 2013. 

The caller ID indicates XXXX number, while the message instructs me to return the call at a different number. There are XXXX of reports listed on consumer complaint websites indicating both numbers are tied to XXXX or Empire Mediation Services. 

The message does not give the identity of the caller or the company they represent. It does NOT tell me the caller was attempting to collect a debt. 

The message DOES tell me I have only 48 hours to respond to the call. It uses words like " case '' and " retain '' -- words that most consumers associate with legal matters. The message is cleverly worded to give the impression that there is impending legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Account opening, closing, or management

Complaint: I went to XXXX to open a checking account on XX/XX/2017. the gentleman I spoke with ask for my ID and Social Security number. He submitted my info into his computer in which he received some info from ChexSystems. At that time he told me that he could not open a checking account for me due to negative information on the report. I contacted ChexSystems and a few days later they sent me a report. A company by the name of XXXX XXXX had submitted XXXX different negative feedback 's on this report from XXXX different company 's in which I have never heard of. Also on the report was a company call XXXX, representing XXXX XXXX XXXX, XXXX XXXX, representing XXXX XXXX XXXX, XXXX,. I have never ever heard of these company 's. A telephone number was not listed for any of the company ', and also the last XXXX of my SS number was listed.I have no idea who this company ChexSystems is or what their business consist of, but it looks to me that they have too much information on me, and the info is completely false. No wonders Identity Thief is such a huge problem in this Country with Company 's like this in business!!!! These people have complete control of the Consumer in this Country.I am XXXX years old and a XXXX Veteran, and It is a disgrace when a you ca n't even open a checking account in a bank in this Country because of people like ChexSystems!!!!

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 01/27/2018 about Vehicle loan or lease (Loan) with NATIONAL AUTO LENDERS, INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In  XXXX  o f 2014 I  was seen at  XXXX   XXXX   XXXX  while I was  XXXX  and had  XXXX . I later in   XX/XX/XXXX   of that same year   XXXX   XXXX   there. The   XXXX   was billed to my insurance but the other debt from   XX/XX/XXXX  wa s not. My account was later sent to collections without any form of a bill or any attempt to get detailed billing information to me at any time. Not only was I never notified of a bill but  XXXX  was not billed. I never received any EOB from them explaining that a bill was denied, which is something they always send providing an explanation. Also, when I called the debt collector, they could not tell me when they attempted to collect a payment from  XXXX . Also, I never gave permission for  XXXX   XXXX   XXXX  to send any of my private information to an outside source other than the hospital themselves.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by IDEAL collection agency sated I owed a debt when I resided at XXXX. I submitted a copy of the 60 day notice to the apartment complex stated when I was moving out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a car loan with XXXX XXXX XXXX XXXX and Transunion Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you

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 03/15/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan is delinquent and I called in to Seterus, Inc to set up payments. I was informed by XXXX that they would not accept my payments. I told him that I am currently XXXX but wanted to keep my home and wanted to make the outstanding XXXX and XXXX payment. Even though we are still within the month of XXXX, XXXX would not accept my XXXX and XXXX payments, unless I also included the XXXX payment. I to him that he is forcing me into a foreclosure by not accepting my payment. He was very abusive and was using strong arm tactics to force me to set up an additional payment for XXXX. I asked was the conversation being recorded, because I wanted to have a record of this abusive behavior that Seterus is utilizing with people attempting to make their mortgage payments. They are forcing individuals into unnecessary foreclosures to keep their servicing record clean and receive additional fees from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: On previous trips to XXXX, I have used my Bank of America ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, BoA 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Bank of America ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Bank of America from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Bank of America could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Bank of America, indicating that I would be using my ATM card when overseas. Although BoA did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Bank of America was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Bank of America has engaged in fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed several times that Equifax has business inquires listed on my personal credit file. I use my XXXX number for all business inquires why are they on my personal credit file. There is also XXXX small medical bills that should n't even be listed. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Medical debt) with Capio Partners, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern : On XX/XX/XXXX I was notified through XXXX credit monitoring that a collection appeared on my XXXX credit report from Capio Partners , LLC for {$500.00}. After contacting the company, I submitted a credit to all three bureaus as this was not my debt nor a provider I was familiar with. After investigation, the items was removed from all three credit reports mid-summer. 
However, after the item was removed, it has reappeared under a slightly edited name on XX/XX/XXXX and again on XX/XX/XXXX. Instead of being listed as Capio Partners , LLC it is now appearing on my report as XXXX XXXX XXXX/CAPIO Partners. As reported previously, this is not my debt. The continued appearance of this on my credit report is causing undue harm as I am in the middle of a home equity loan approval process. The reporting not once but twice within 3 weeks caused an 88 point drop to my credit score. I believe the name change combined with reporting this incorrect item twice in less than a month is an abusive practice. This is not my debt and was previously resolved. I am hoping the Bureau can assist me in getting this resolved. 
I have reached out to all three bureaus for assistance, but I am concerned the company will continue this practice and just keep changing the name and submitting to my credit report. As this is not my debt, I want this error permenantly cleared. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Debt collection (Credit card debt) with Smith Debnam Narron Drake Saintsing & Myers LLP (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I had a XXXX card that has not had any activity before XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.

Company response to consumer: Closed with explanation