milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from IC System dated XXXX demanding payment of {$100.00} for a debt owed to a company called XXXX. The account number they assigned is XXXX and the IC XXXX number is XXXX. 

I have attempted to contact IC System by phone but the number provided in the letter goes to a vacant voicemail trunk and there is no other phone number provided. 

I was a stay-at-home mom when my children were small. They are adults now and I have not had children of daycare age for quite some time. Additionally, I have never had an affiliation with XXXX and do not owe money to them. This has not curbed IC System from attempting to collect on this " debt '' that I do not owe anyway. 

What further steps do I need to take to prevent this from hitting my credit report? I have a 800+ credit score and the last thing I need is some scam artist dragging that down. Any help you could provide is greatly appreciated.

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 08-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit line increase/decrease

Complaint: Capital One keeps denying me for a Credit Line Increase for a credit card i have had with them for several years. The reason behind it according to them is " We were unable to obtain your most recent monthly payment data from credit reporting agency '' I decided to check with the XXXX credit reporting agencies and all XXXX are reporting with no issues. I have never missed a payment with Capital One and my balance is less than {$500.00} on a {$2000.00} limit. I keep getting offers to open a new card with them on the mail but somehow they insist they can not get access to my payment data when I applied for a credit limit increase. I search online and it appears this is a game Capital One is playing with several customers to basically force them to open new credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is alleging that I have an outstanding balance of {$3800.00} to medical providers for services rendered to me in the year of XXXX. Just to give you a quick background of this company. In XXXX ( if memory serves me correctly ) I contacted XXXX to settle a debit from a medical provider that alleged to have rendered medical treatments. At the time I was trying to clear all debts that was posted to the credit bureaus to obtain a government security clearance. I went ahead and paid off the debt. After settling the debt and receiving a clearance letter, it was discovered that the medical treatment was given to my daughter. At the time of service provided, my daughter was of legal age to settle her debts. My daughter did not have medical insurance and because previous records had her as a minor the provider billed me. Recently a mortgage lender provided me and my wife with an updated credit report, I again was surprised to see XXXX posted to the credit bureaus ( actually just XXXX ) a delinquent account. I contacted XXXX and disputed this account and sent in supporting documents showing I did not receive any treatment from the creditor. XXXX wrote me back and stated they notified XXXX of the dispute. They also said XXXX had 30-45 days to prove I am the account holder. Yesterday, I received a letter from XXXX stating they had confirmed the outstanding balance and listed 3 creditors ( see attached letter ). I wrote a responding letter to XXXX and again provided more detailed supporting documents to prove my claim. I am at my wits end with this company. They refuse to delete the accounts from my credit report. Is there anything more I can do? I have worked very hard to clear off every debit Ive owed. But I will not be bullied into paying this company another penny! Im very meticulous when it comes to my paperwork. Thanks for your help.

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 11-01-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a mortgage with Quicken Loans on XX/XX/XXXX and in speaking with my purchase banker XXXX XXXX we discussed " rate lock '' at 3.625 % and he told me that it would only cost {$500.00} which I could pay with a credit card and then be refunded at time of close. Given the rate had dipped I wanted to lock it in so we proceeded on the call where he took my info and CC #. When it came time to close on XX/XX/XXXX my attorney pointed out on the paperwork that Quicken was attempting to charge me over {$13000.00} in fees ( points ) on my loan which was never discussed at any point in time ( see call recording from XX/XX/XXXX ). Additionally, XXXX told me that they would lock the rate for 60 days to get us to close and came to find out they only locked it for 40 days then raised the % of points on XX/XX/XXXX which cost me an additional $ 2,000+. Through subsequent research they moved this date around from XX/XX/XXXX on XX/XX/XXXX then on XX/XX/XXXX moved the date out to XX/XX/XXXX with more points added for no reason - a clear grab for more $ . During this initial call I was asked to docusign nearly 100 pages of documents that quickly scrolled through the screen. We then were unable to get a hold of anyone at Quicken including my banker at closing and were put at risk of losing our home due to being given the run around and delay so we would just pay the fees. We were directed to XXXX XXXX at Quicken who listened to the call recording an admitted that Quicken never once discussed paying points at anytime on our calls. Additionally, Quicken chose to " archive '' only 6 documents out of 50+ on the portal and one of those was the Interest Rate Disclosure ( Rate Lock ) paperwork and Intent to Proceed from XX/XX/XXXX which further obfuscated my ability to crosscheck any of this information for reference during the process which added to the intentional deception and I believe is a common practice at Quicken to lock out their clients from critical data and collect fees. I believe this falls under the Deceptive Act or Practice guidelines specifically due to the omission of critical and incredibly costly information. 

My situation is incredibly similar to complaint # XXXX filed with CPFB on XX/XX/XXXX and matches up with 15 other complaints against Quicken on the CPFB dating back to XX/XX/XXXX. This practice is clearly meant to be misleading and deceptive to their customers and especially for a first time home buyer like myself and an attempt by Quicken to collect massive fees from unsuspecting buyers by omitting critical information. This business practice is predatory and preys on an individuals trust. This was recently escalated to their " Executive Office under XXXX XXXX ( XXXX ) so they clearly realize they are at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I use an app called  XXXX . They help keep my account out of the negative but they can never get the bank to send over my information in a timely manner. It 's supposed to take a day and we usually have to wait before receiving any information. They need my recent transactions as well as my current balance and it should n't take this long to receive it.

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 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i disputed this information on my credit report : account receivables performance # XXXX with all the XXXX credit report bureaus because of inaccurate information, XXXX and XXXX responded with the deletion of the unverifiale and inaccurate information, however transunion refused to delete and claims this information is verified, i believe transunion did not do a proper investigation on this account, i do not owe that amount indicated in the collection account, this information is causing great harm to my profile, i want to give transunion the opportunity to delete this information immediately, before i escalate this dispute through a legal process. i have attached copies of the outcome of the disputes that i sent with the the other credit bureaus including transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Debt collection (Federal student loan) with Collection Technology Incorporated (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Collection Agency is using false and misleading information to collections for students loan which is more than 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Payday loan, title loan, or personal loan (Payday loan) with WLCC (CT).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/2017 I took a {$700.00} loan out with XXXX XXXX XXXX dba XXXX XXXX XXXX. 

After making several payments at extremely high interest rates ( 713.74 % ) I investigated the company. I discovered they are not registered to operate in the state of CT and what they were doing was illegal. I know that CT has the strongest laws in regards to payday loans. 

I contacted the company and told them I was revoking my ACH and I would not pay any more. They received {$1000.00} towards a {$700.00} loan. 

They did agree to close my account and mark it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello.   Something wrong with my credit report.   Some information that Experian has is not mine. (   XXXX   XXXX   XXXX   ) I am not good at English.   So I have tried to contact Experian several time through online to avoid misunderstanding.   But they never give me their response.   Please remove these errors from my report.       1. Someone who I do n't know is on my report.
2.   Some   XXXX   card number is not mine.     Please see attachment.     I 'd appreciate it if you could check this and send me your response.     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 non-monetary relief
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, XXXX 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 non-monetary relief
Consumer complaint received 02/21/2018 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: Personal information incorrect

Complaint: ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been a victim of identity theft for over 21 years. I am trying to purchase a 3 in 1 credit monitoring product from equifax consumer services, however my attempts have been unsuccessful due to the fact that my file is being handle by Equifax Office Of Consumer Affairs. This department is not helping me to stop the identity thief from viewing and accessing my credit file online. I do not wish for the office of consumer affairs to no longer handle my credit file at this point an time. There services just do n't work. With me ordering the equifax 3 in 1 credit monitoring product, will allow me to better monitor my credit file as well as lock and unlock the file at anytime, keeping the identity thieves out. Please assist me in handling this request as soon as possible please. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the FCRA I was suppose to receive notifications of an account been added back to my credit report after it has been deleted. I have serval accounts with XXXX XXXX that was deleted and I was not notified of the reinsertion on my credit report which is against the law.

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 11-10-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I have a big problem with freedom mortgage im trying to save my home I asked for help from them with a modification I am complying with everything they asked I even have a hud counselar working with me they stated I have something on my title that was about 6 or 8 years ago I was not living in the house that long they stated whats on my title is a judgement for XXXX I paid it years ago I even went to civil court to get a copy the bank is telling me they can not accept it the courts is telling me I have no judgement this is what they can give me I gave it to the bank they are not accepting this was years ago its paid I showed my proof im trying so hard not to loose my home but I feel they want me to I need some help from someone

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 11/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Loan servicing, payments, escrow account

Complaint: The borrower, XXXX XXXX, has been working with Bank of America since XX/XX/XXXX to get his mortgage loan modified. He is current and the loan was modified. The most recent mortgage statement, however, shows that his payment has increased by $ XXXX/month and he does n't know why. XXXX charges are listed on the statement in addition to his PITI payment of {$700.00}. They are : 1 ) {$85.00} for overdue payments, fees, and charges and 2 ) {$46.00} for a payment advance. 
A Notice of Error was sent certified mail return receipt requested XX/XX/XXXX and is signed by BofA XX/XX/XXXX by a housing counselor, myself, XXXX XXXX. On XX/XX/XXXX, I received a letter from BofA stating that they needed authorization to send me this information. An authorization form was sent with the Notice of Error and was resent on XX/XX/XXXX. 
To date, we do n't have confidence that Bank of America is going to identify the charges and inform the borrower how long he will be charged for same. 
Borrower is on limited income and his budget is short $ XXXX/month. Not paying these fees is very important to him. At the least, he needs to know what they are for and how long they will be charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit card protection / Debt protection

Complaint: I have been defrauded by Capital One bank and possibly others. A credit Card was taken out, in my name. I have contacted Capital One bank numerous times with faxes and police reports stating their fraud against me. I have yet to have a resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   I have disputed with numerous times and they are not deleting items that are not correct or updating correctly at all I have copies of incorrect items. I have disputing an item for a a year. There is a collection on here for  XXXX  from  XXXX   XXXX . I have no knowledge of this account. And in over a year they have never contacted me nor gi ven one it em of proof to myself or   XXXX   validating this. This is not mine. Both  XXXX  and   XXXX   deleted this off my credit report. Also my Chapter  XXXX  has been discharged.     In Chapter  XXXX  the account was paid 100 % to plan. Meaning 100 % of debts paid. Equifax is reporting all   XXXX    XXXX   XXXX  as negative and not being paid as agreed which i s FALSE. T he other  XXXX  agency 's have the correct total of  XXXX  balance on all which is correct. Equifax is not properly investigating any of these and continue report inaccurately driving my score down  XXXX  pts.     Also inaccurate credit inquiries I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I purchased on XXXX 2013 with a promotion for24 months no interest I called to confirm and they advice on how to pay the minimum plusthe required additional money in order for me to pay it on the 24 months, I did that and alsowas reflected on the statements and after the 24 months they double my balance and toldme that have no record because their system is only for 12 months and could n't help me, Ihave all the records for the 24 months along with the promotional card and phone callrecords, I am XXXX years old and I do n't think is fair to be abused by a big company. 
I am only attaching the critical statements but I have all 24 months if you need them Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with First Data Corporation (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX until we had time to verify debt. Received harassing call from XXXX  2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

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 03/30/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed a tax lien with equifax credit company and XXXX. XXXX removed a tax lien to equifax that do not belong to me and I received a letter from XXXX stated that they have removed the tax lien from their Accurint Database, but equifax is still reporting the tax lien. I have contact the courts and they advised that the do not report to the credit bureaus and do not have a tax lien in their system with my name, ss #, or d.o.b., I ask equifax to validate the information and they will not provide validation neither will they remove the tax lien. Every time I call in they start a new dispute and a few days later they say the court reported back saying that the tax lien belong to me.

Company response to consumer: Closed with non-monetary relief