milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX my daughter bought what she believed was a 3 month membership to XXXX XXXX. She and I met with a personal trainer and advised him we were only on a 3 month membership-he never advised us otherwise. We went only in XX/XX/XXXX and quit going. They did not bill her after the 3 months (XX/XX/XXXX-XX/XX/XXXX ) but in XX/XX/XXXX they suddenly billed her on her credit card. We advised them it was an invalid charge. They advised us she was on a monthly contract and needed to notify them to cancel. Unfortunately my daughter did n't read the contract and they had put her on month to month. We notified them to cancel. They said it was billed in arrears so they would cancel next month. So she went ahead and paid that charge. BUT they billed her credit card again the next month. We disputed it through her credit card and they charged it back to the fitness center. The next month they tried to bill her again. We cancelled the card and it was charged back to them again. Almost 1 year later they decide to send me a bill in the mail. I sent them all the proof that the membership had been cancelled and advised them that I never signed anything or authorized them to bill me in anyway. They advised me they would take care of it. They referred it to a collection agency. I advised the collection agency that my daughter has cancelled her billing and that I never signed anything and the charges were not owed by me AND I advised them never to contact me again. I just received another threatening " attorney '' letter with proof clearly showing that I never signed the contract. I have all the credit card paperwork and dispute letters still.

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 03/29/2016 about Credit card () with Continental Finance Company, LLC (OH).
Issue: Other

Complaint: This compliant is in regards to two late payments lodged on my credit report, via Continental Finance, the servicer of my XXXX XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX, this company is falsely reporting two late payments on my credit file and not updating my credit report accurately and in a timely manner. In addition, this company is charging me an adsorbent amount on late fees and high interest on this account. This company has reported my account late to the credit bureaus on two occasions and refuse to remove this false information for XX/XX/XXXX and XX/XX/2016. I have been in good standing with this company and continue to pay my debt obligations in a timely manner ; I always pay multiple payments, averaging three times a month, outside the parameters of my monthly billing statement, so how could my account ever become delinquent, or past due, the probability is very highly unlikely. Please have this company remove the false entry immediately.

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 08-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Billing disputes

Complaint: Beginning of XXXX 2016, i receive a credit from a company called XXXX in the amount of XXXX and my bank that i bank with, which is bank of america did not credit my refund from the merchant into my new bank of america credit card, I tried to explain to bank of america. But there was little that I could do about this. I filed a clain. And once i filed a claim bank of america supposed to credit the money to my credit card, then complete the investigation or untill the investigation is over, because not only bank of america misinforming me, they are also not wanting to give me my money. It has been one week and 5 days since the merchant credit my account.

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 monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute   XXXX   on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a loan modification with ASC. I was not late when I applied for the modification and I was not late on making payments during the modification period or now. I received an approval for a trial modification and was told specifically what amount and what dates the 3 trial payments had to be made to be approved for the loan modification. The letter from ASC was very clear. I called my assigned home preservation specialist and was told that I did not have to make a payment in XX/XX/XXXX ; that I would make my first trial payment in XX/XX/XXXX. I made my payments either on time or early. I was not approved for a HAMP modification in part because my loan was not in default and because my mortgage payments were not delinquent. I was approved for a non-HAMP modification. ASC reported me late to the credit bureaus and as a result the credit card company that I primarily use cut my available credit line down by XXXX %. ASC did not act in good faith and fair dealing with me and their reporting me late to the credit bureaus when I followed their written instructions and the verbal instruction of their representative is a deceptive and harmful business practice.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened an XXXX XXXX XXXX account through Comenity Capital in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, Comenity puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, Comenity does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by Comenity. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as Comenity failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department .
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.
I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed.
Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX  Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Portfolio Recovery has been listed as an installment loan on my credit report. PRA is not an installment loan company and I have never held an installment loan with PRA. 


I have contacted PRA several times about this issue and they claim that the consumer reporting agency is responsible for this error. I have reached out to XXXX  several times and they responded that the company has no control over the information published by a reporting company and that it is PRA 's responsibility to report correct information.

This is a known issue and tactic with PRA. Several complaints have been filed against PRA for this same issue.

I have mailed 3 certified mail letters to PRA about this issue and have never received a response or correction

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (I do not know) with ERC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a complaint from XXXX XXXX against Enhanced Recovery for Enhanced Recoverys failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Enhanced Recovery with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 11/16/2017 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: Personal information incorrect

Complaint: I have tried over and over to let Equifax know that the information on my credit file meaning my date of birth which on file they have XX/XX/XXXX which is my mothers date of birth. I faxed over a copy of my ID and my social which they states they didnt receive. They only received the cover letter. I am now sending my ID and social through here so that yall can send it to them because this seems like my last option to actually get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CA).
Issue: Settlement process and costs

Complaint: I am a first time home buyer and I purchased a home using Stearn 's Lending Mortgage Brokers in XXXX 2016. I was failed by Stearn 's Lending and the apprasial company because I trusted what I was told by both the apprasier and the mortage broker. The apprasier valued my home for XXXX without considering the roof and the bank allowed this to happen. I am now in a hardship financial situation now because the apprasier that was selected by Stearn 's Lending to appraise my home did not appraise the roof for any damage or age issues. I questioned my Stearn 's broker about it and told her I was not happy that the roof was not apprasied and how could the life span of the roof not contribute to the value of the home. I asked for the appraiser to be contacted and asked to go back and appraise the roof but she said they were not able to interact with the appraiser because they were an independent company. That made no sense to me but sense I was a new home buyer and trusted her information I believed her. Now that I have closed on the house, I learn that there are XXXX roofs on the house with a hole in the left corner and dryrot all around the whole perimeter of the house. I 've had XXXX roofers look at the roof and both said they would not patch a roof with that much dryrot so my only option now is to replace the roof. That is XXXX plus for me to pay when it should of been addressed before I purchased the home. The roofer also noticed that part of the outside wall of the back of the house was not wood but actually plaster! I was told that the seller did that cheep repair just to sell the house but when it rains, that plaster is going to start crumbling. The seller also repaired the master bedroom celing by spraying a sealant instead of using sheetrock. Once again here is something that should of been reported by the apprasial because it was visually accessable to him but it was n't listed at all. I want CFPB to look into my problem because I am in a hardship situation and I feel like I was taken advantage of. The value of the home could not be what the apprasier set it as with a roof with dryrot and a hole in it. I feel like there was some sort of fraud or neglect by the apprasier and the mortgage broker to protect me and put me in a house that is totally functional. Since they did not protect me it has left me in a financial hardship and a home that may incure structure damage and be inhabital for me and my son to live in if I do n't get this roof and wall repaired. I am devistated, please help me. 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 08/17/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KS).
Issue: Trouble during payment process

Complaint: Ditech states I received a modification in XXXX this is not correct. I recceived a modification that started in XXXX and was completed in XXXX. Their records are not correct. But this is typical. If they were at all families with the modification process they would know mortgage modification is a long drawn out process for which XXXX XXXX XXXX would never have allowed nor is it permitted to have two modifications in a years time. It 's outside of the defined modification guidelines if Ditech knew what the protocol is for mortgage modification which they obviously do n't. I will forward the information to the Kansas Attorney General. Ditech needs to be educated on the modification guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Collection agency is reporting on my credit report, but has not provided the requested sufficient information about alleged debt. 
I initially contacted SW CREDIT SYSTEMS L.P. on XX/XX/XXXX after I noticed a strange entry on my credit file that I had no knowledge of. I emailed the company at XXXXXXXXXXXX and also at XXXXXXXXXXXX. I received a response back asking to verify my address and some information about this account will be mailed to me. I did receive this piece of mail, but it was just a random bill. A bill that I had no knowledge of. I did not recognize the account or the charge. I then asked for SW CREDIT SYSTEMS L.P. to provide proof On XX/XX/XXXX. I outlined that by law they must exhibit an authoritative copy of the obligatory instrument or record, timed and date-stamped, which identifies SW CREDIT SYSTEMS L.P. as the assignee of the alleged Secured Party as the assignee of the record or records. To be valid, copies or revisions that add or change the Assignee of the authoritative copy can be made only with the participation of the secured party pursuant UCC 9-105. This was not received. They also had an additional account number on file, which I never held a contract at any time with SW CREDIT SYSTEMS L.P. and believe this may be identify theft due to the fact that the requested documents were not received and  they have my personal information reporting on a debt to which I have no knowledge up with an account number. Please help me remove this information from my credit file ASAP. It has been well over 30 days and proper verification/validation has not been established in addition to the identity theft. This is damaging my credit file and is restricting me from obtaining items based on my credit worthiness. If not removed I will be seeking damages as outlined under the FDCPA which are {$1000.00} per each occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with Global Lending Services LLC (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX | DOB : XX/XX/XXXX To whom it may concern, I had a vehicle repossessed in XX/XX/XXXX because letters sent to me went to the wrong address, this was strange because i have lived at my current address for three years, and all the paper bills for the vehicle came to my current address. 

I never saw any of the documents Global Lending Services sent out regarding late payments until last week after i sent them a request to remove the repossession from credit report based upon their error, which could have been resolved had i known that the negotiations were not honored when i spoke with an agent during that time. 

I have enclosed the documents to prove the facts

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with CORELOGIC INC (VT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a hard inquiry on my credit reports with all XXXX major agencies from a comapny called Corelogic Credco. I have no knowledge of this lender nor did I give any authorization for them to run a credit inquiry on my behalf.

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