milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this debt with XXXX and AD ASTRA.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.Ad Astra only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (NC).
Issue: Taking out the loan or lease

Complaint: Loan has been paid in full and as agreed, but it is showing up as a derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with Atlas Credit Company, Inc. (TX).
Issue: Struggling to pay your loan

Complaint: I have received numerous amounts of calls DAILY since  XXXX / XXXX /   17  at both my place of employment and personal cell. I stated to the employees (  XXXX  and  XXXX  ) and a gentleman, that I would pay it on Friday  XXXX / XXXX / 2017 , but unfortunately not able too. I called left messages that I would pay it when I could as I was always working late and they were closed and were n't open on weekends also, being in and out of the hospital. Today  XXXX / XXXX / 17 , the gentleman stated very rudely that he was calling me to collect his money and I stated to him that I was going to complain about them due to them harassing me at work and he stated they do that to everyone and I informed him that was stated in the contract that I signed and by state law that they can not harrass people at their place of employment. He proceeds to tell me that he wanted to know the name of the law firm i was dealing with and that they were gon na send someone today to my job, and i stated to him if they did they would get arrested, The entire time  XXXX , is in the background being very unprofessional and cursing and stating that noone was going to get arrested and just downright rude. I plan to pay them but when I have the funds to pay them, but I 'd rather pay another store then this store and they are very rude and need to be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is not mine. 

I requested that the company send me verification the debt that they claimed I owe, including verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor, information about the billing statement sent to me by the original creditor ( or something similar to verify the amount and age of the debt ), and also details about their authority to collect the debt, including their licensure status in my state and their contract with the original creditor. 


Their reply contained little to no actual information and seemed to merely be internal invoices for the amount they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RS Clark located in XXXX, TX was attempting to collect a debt that I was not aware was owed to a specialty clinic. I requested to have more detailed information of proof of debt since my father has the same name as me and was wondering if it belonged to my father or myself. While evaluating the documentation they provided they did not allow enough time for me to verify the debt with the specialty clinic so I went ahead and paid twice, one payment was mailed through regular mail, RS Clark claimed they did not receive, the second attempt of payment was made electronically with that RS Clark agreed that they would not report any derogatory information to the credit bureaus. RS Clark still went ahead and filed a derogatory collection information with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Mortgage (Other type of mortgage) with Veripro Solutions Inc. (VA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX  Veripro Account Number # XXXX Attn : Manager or CEO The original creditor was XXXX. My mother is XXXX I have some major concerns with Veripro Solutions ( VS ) because I have tried to negotiate settlement with 2nd mortgage debt. I received a reduced payoff offer of {$4300.00}, however I spoke to the point on contact with this account that stated the reduced payoff amount is {$5000.00}. 
I property is in my mothers name and I informed them that I would like to discuss settlement options. I informed XXXX that my mother XXXX XXXX and I was trying to discuss to settle the account. I informed her that I paid off the 1st lien for a lower amount, which I have faxed documentation to show the lower payoff amount. 
She stated that she was unconcern with my financial hardship and that I would be responsible for agreeing with the payoff offer or I would lose the property.

Venripro Solutions is trying to take advantage of our family because the representative stated that they would sell the home since VS is now in 1st lien position. There are several issues ( 1 ) property value decreased ( 2 ) VS tried to increase settlement offer ( 3 ) no income ( 4 ) trying to sell the property without my consent. 
I cant afford the required monthly payments or come up with enough to pay off the total amount of the debt ; I have tried to negotiate a settlement for 2nd lien position.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Oh, dear. Where do I start with USAA BANK and all its products. If you want to work with a company that likes to commit major regulation violations, break laws, and ruin consumers lives, this bank is for you. Usaa Bank after being idenity theft and being provided paperwork they not only closed my accounts down illegally they held on to my money for over a month and when it happened they would not give me explanations, they had none. If you are a consumer, RUN! Do not trust them. If you are a federal or state official or work with any government agency you need put them on your hot list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I notifi ed American Express that i  have been a victim of Identity theft as soon as I found out. It was on  XXXX / XXXX /   2016  when I notified all  XXXX  credit bureaus with affidavits from my lawyer and a police report. They did n't remove it from my report which I requested. As of a month ago I sent another affidavit asking for the original contract signed stated by the Fair Credit Reporting Act  section 609 ( a ) ( 1 ) ( A ) that they are required by federal law to verify through the PHYSICAL verification of the ORIGINAL SIGNED Consumer contracts. I currently live in TX which by law in order to collect they must be bonded with the Secretary of State in which American Express is  not. I am demanding that the credit card of a balance of {$1500.00} be removed immediately. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification which has been in progress for some time now, with select portfolio servicing, i have spoken to them in the month of XXXX, XXXX on XXXX XXXX. XXXX XXXX. XXXX and XXXX /16 regarding varies requested documents that were sent in and received the last person i spoke to was a XXXX XXXX XXXX on XXXX about XXXX ; XXXX in the afternoon, i was told that they had everything in that was needed, at no time was there ever mention that some thing was wrong or there was something missing, well today i got a letter stating that my file was closed because of missing documents and my home is set for sale on XXXX/XXXX/16. I really dont know what kind of games these people are playing nobody said anything to me about this all the times i called, they never called to say nothing just like that they closed the file, and the excuse was and they waited until a few days before the sale to tell me was my non borrower income provider didnt prove that he lived in the property even with a telephone bill, electric bill and a bank statement with his name and our property address on it select portfolio is full of it, this is nothing but XXXX, to take my home they make XXXX XXXX look like XXXX. ps I also included the dated letters they sent to show they are liars they never said nothing about the documents!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called and mailed numerous requests regarding these inquiries that did n't belong to me.      XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX    XXXX   XXXX  e  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  via  XXXX    XXXX     XXXX   XXXX / 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 explanation
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EXPERIAN CREDIT BUREAU - I am unable to dispute incorrect personal information online with Experian Credit Bureau. I have spent many hours and have been denied access to the option for online disputes. The website provides a phone number and after calling multiple times, unable to reach a customer service person. 
- This has been a frustrating experience to say the least. I am unable to find out if my personal information was used to open a fraudulent credit 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 explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent a letter to Transunion and the creditor companies who reported to them about fraudulent inquiries on my credit report. It has been 3 months with no response. I have attached the list of fraudulent/unauthorized credit inquiries on my account : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My current address is XXXX XXXX XXXX, XXXX Fl XXXX, not XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. ( The latter address is my business address not my primary )

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage on time through the XXXX bill pay service, and have a history of paying it on XXXX or XXXX of the month for 6 months with Carrington, without any issues. However, in XXXX, I scheduled my payment for the XXXX and Carrington attached a late fee saying the payment was received after the XXXX. I checked with XXXX and verified the payment was delivered on time, with my financial institution. However, Carrington did not process the payment until XXXX XXXX. On XXXX XXXX, I faxed a copy of the check reflecting delivery date and payment on time, along with a letter to Carrington, asking them to waive the late fee since payment was received on time. They held the money and processed the check, which is no fault of mine. In XXXX, I received XXXX nasty notes, collection and a late fee notice of XXXX from Carrington. I called and spoke with their rude representative, XXXX ( # XXXX ) and asked for resolution. I asked to speak with her supervisor and she told me I could not. She only gave me his # XXXX, but would not give me a name. She said she could not provide resolution and she now needed copies of my bank statement, which I refused to send her and let her know. This has to be a violation of some financial rule or regulation to safeguard consumers. Why would they need my banking statement with my PII information. I informed them that I filed a complaint with CFPB and today followed up with their consumer advocate department ( XXXX ). I am seeking resolution and the late fee and any implications waived.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with STERLING JEWELERS, INC. (GA).
Issue: Customer service / Customer relations

Complaint: My issue is that on XX/XX/XXXX my engagement ring/bridal set was purchased. The associate in the store made XXXX of the diamonds fall off by putting it on a machine. That resulted in it having to be sent in for repair. Since it had to be sent in, I asked for it to be souled together as well, so that I would n't have to get it done another time. It was supposedly sent out that day, which I do n't think that it was. I was told that I would have it back by Wednesday or Thursday. It was n't. I was told that it would be back on Monday. It was n't. I am just now finding out that it has n't left the repair shop, they could n't provide me with a tracking number backing up their claims that it would be in on XX/XX/XXXX and I was n't told how we were going to be compensated or reimbursed for the headache that all of this has caused, lack of correct information. It is ridiculous. I spent XXXX in that store and this is the thanks that we get. I do n't appreciate it at all. I could n't find the XXXX complaint page, so I started here. I opened up a Kay Jewelers credit card specifically for this purchase, and that is what it was paid with. There are too many apologies and not enough action, therefore I am filing this complaint. 

Oh and my partner and I have another account with Kay Jewelers that was paid and closed in XX/XX/XXXX. They are reporting that account as late. I am attaching the proof of that to this complaint. All they have to do is update the payment history with the bureau as positive and they chose not too or give me the run around. I am not pleased with that. I would like that issue resolved as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Started a loan application to purchase a new home with Capitol One Mortgage on XXXX XXXX, XXXX. The loan officer overlooked a document explained in attached XXXX page verification of incident described here which led to my credit score of : XXXX at the time of this loan application which dropped to XXXX as of XXXX/XXXX/XXXX over XXXX credit pulls by Capitol One Mortgage as proven by XXXX. In addition to an issue with XXXX error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on XXXX/XXXX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX of 2017 Portfolio Recovery added a collection to my credit report for a bill for XXXX XXXX. I sent them a written request to validate this debt. They removed this account from my credit report, and then later added it back without proof of validation and notification they were adding it back. Someone from this company told me if I do n't pay they will take me to court again.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Customer service / Customer relations

Complaint: I have a capital one credit card account that has restriction due to suspected fraudulent activities.I called there Fraud Department and I talked to a representative and fraud specialist to validate and verify all the the information that I own the account after verifying all this information they still wont able to remove the restriction to my account so I can use itXXXXagain.This account is paid off and there is no balance.I 'm requesting that I can waive or remove the restriction to my credit card account.And they sent me a PIN but how am I suppose to use my card it has restriction to it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have the same account on my credit report XXXX times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XX/XX/XXXX. This information is wrong this is one account which should be paid in full. 
XXXX Other XX/XX/XXXX Closed 1 Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XX/XX/XXXX Closed {$XXXX} This account below is fraud. 
XXXX Other XX/XX/XXXX Closed {$4100.00} The two accounts below is not mines. 
XXXX Auto XX/XX/XXXX Open - Collection/Charge-Off {$3000.00} XXXX Credit Card XX/XX/XXXX Closed {$1000.00}

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