milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: there are items on my credit report from XX/XX/XXXX, XXXX, close to XXXX plus years and Experian refuses to validate the debt or information, their response is, - ou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 

** There is also an account from XXXX XXXX and per Experian, they will not reinvestigate the account becuase it was validated in XX/XX/XXXX, over 7 years ago. The exact wording is - This item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trident Asset Management, L.L.C. (MD).
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: On XX/XX/XXXX XXXX  refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts Trident Asset Management appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 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: RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX Sincerely 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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent Stellar RECOVERY a dispute to the listed address in my credit file on XX/XX/XXXX which was delivered and picked up on XX/XX/XXXX. 
They put the account in dispute but failed to send me any competent evidence bearing my signature, showing that I have or ever had some contractual obligations to pay them. 
Stellar Recovery Refuses to ACKNOWLEDGE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX. 
XXXX XXXX are still reporting incomplete, and inaccurate information. 
FOR STARTERS, they are reporting an high balance {$230.00} that is inaccurate with the balance of {$230.00} because no payment was ever made to them in order to establish the price deduction. 
They 're reporting an inaccurate Date open, and TERMS because there is no CONTRACTUAL agreement that was ever established. 
INCOMPLETE ACCOUNT number and payment history On XXXX No high balance, NO missing monthly payments, NO estimated REMOVAL date ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Approximately 1 year ago my credit score was about XXXX with a XXXX Major Credit Reporting Bureaus. After I made inquiries and disputes with all XXXX Major Credit Reporting Bureaus XXXX and XXXX Made appropriate adjustment and or deletions and my credit score was raised to XXXX by both XXXX and XXXX. Trans Union however dropped or reduced my credit score to XXXX. 

I believe the score is wrong and I am seeking its adjustment.

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 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Homeowner has had a financial hardship and after exhausting all modification attempts they have come to accept the fact they can no longer retain the home. Therefore deciding to short sale the home vs. losing the home to foreclosure. A complete workout package including all financial documents and offer has been submitted to Chase on XXXX XXXX 2015. After several XXXX of follow up and multiple escalations requesting the file to be assigned to a negotiator nothing had been done until XXXX XXXX, 2015. On XXXX XXXX, 2015 they homeowner was finally assigned to XXXX XXXX. The XXXX lien is ready to fund with the rate expiring on XXXX XXXX, 2015. If the loan does not fund the buyer will walk away from the home. We will lose this buyer entirely. We have expressed the urgency several times to Chase verbally and escalated the file still nothing was done to expedite the process. Since extensive time has passed since submission of the short sale request and the file has yet to be approved or denied we are filing a formal complaint to escalate the file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX took money from my credit card for payment over two years and later sent me collection agency to get their money. Eventually the Merchant Credit took me to court to get the money in XXXX 2015 and they told my to take legal action on the money they took from my credit card. After XXXX 2015 they continued to take money from my credit card even though they told me my account balance is zero. XXXX XXXX Bank put a dispute and when we had a conference call with with XXXX help, they could not provide the answers about taking my money illegally. The collection agency report affected my credit score which I believe was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midland did not respond to my dispute in a timely manner and they have failed to provide evidence that the account is mine. The policy per their website " Per our policy, we stop credit reporting on accounts that are more than two years past the date of delinquency ''. 

My account is over 2 yrs old and they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Payday loan () with Flurish Inc. (WA).
Issue: Applied for loan/did not receive money

Complaint: I applied for a payday loan in the amount of {$250.00} from LendUp.com. As of now, they show that I still owe them but I never received the money because while it shows it was successfully deposited on XXXX/XXXX/14 ( which was my ONLY deposit on XXXX/XXXX/14 ) there is also a reversal of {$250.00} + a {$5.00} fee charged to my account. So, I essentially never received the money. They are still saying I owe them, when I have the bank statement that shows that XXXX deposit on XX/XX/2014- then a reversal for that same amount, as well as the overdraft balance of XXXX as a result of the {$250.00} being reversed on my account. 

You are n't able to speak to a live person when you call, they are on a regular M-F XXXX-XXXX schedule, and you have to basically schedule a call back so you end up paying phone tag and nothing will get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : XXXX  Experian, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?

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 05/19/2017 about Debt collection (I do not know) with Payday America Inc. (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I began being contacted by Payday America on XXXX XXXX. I received both a text message and a I believe a restricted number call followed by a caller Id call from XXXX. I was left a message that stated that Payday America was attempting to contact me regarding a  payment that was due on my account. After I received the message I immediately contacted the company and let them know that they were contacting the wrong person. That I have no loan or pawn item with Payday America. I insisted that they no longer contact me regarding a debt that is not mine and told them to remove my number from their database. The woman on the other end of the line was rude. I told them do not text me or call me again. I then received a call and a text message on May 5th. I again contacted Payday America and asked them to remove my number. The  woman on the other line attempted to get my name. I let her know that I do not have an account with them and I was not providing that but I provided the phone number and again requested that it not be contacted. I have since received two more text messages weekly on Fridays and get a restricted call followed by a caller ID call of XXXX calls every Friday as well and have contacted them every time they have called and asked them to remove my number. Today XXXX XXXX XXXX after receiving both a text message a restricted call and a caller ID call with the caller ID of XXXX I called Payday America again and again requested to have my number removed from whoever is using it on their account. The woman on the other end of the line said that there was no way to remove it and I should just " Block '' their number on my phone. I do not want my phone number that I have had for 4 years to be associated with someone 's account that has payday loans. I do not think that it is too much to ask to have my number removed. I should not have to block a phone number from calling me to avoid a company calling me regarding a debt that is NOT mine. I do not authorize them to call my cell phone for the purposes of collecting a debt. I do not authorize them to text message me on my phone that I pay for to collect a debt that does NOT BELONG to me. I want my number to be removed from the account in which it is associated and I want them to NEVER contact me regarding someone else 's debt again. I have tried 4 times to get them to remove my number and now I am here. Please help me to get them to stop contacting me!

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: HSBC is attempting to collect a debt that was a result of identity theft. I have disputed with the credit bureaus and have sent my official police report to them to resolve. No success. This is a violation of the FCRA and FDCPA for identity theft victims. Please help me resolve this matter quickly before any further damages are incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan was originally taken out through XXXX XXXX XXXX XXXX. Without notifying me, they then transferred the loan to XXXX XXXX. XXXX then told me I had to contact a different servicer, ECSI. ECSI now has two of my loans and every single time I call to speak with them they confuse what loan I am calling to speak about, which is a hindrance but I can deal with it. My main complaint is that when talking with a representative from ECSI in XXXX to discuss taking my loan off of automatic repayment, they told me that I had a " grace period '' from the XXXX of the month until the XXXX to pay. What they did not tell me was that my interest rate would go up, increasing the amount I have to pay every month, and that additionally I would be accruing interest every day that the loan goes unpaid. I have been facing payments more than I paid before, and they now include interest charges on top of that. Every representative I have spoken to since has said that the information I was given was wrong, but they will not do anything to take off the interest charges. Additionally, my billing statement has a lower amount due than what I am told to pay when I log in. I am attaching documentation of what I was told to pay, and receipt of my payment for that amount rather than the higher one. " Included with the documentation is a chat log from today, XXXX XXXX, 2016, when I was told that my interest rate was raised. I never received correspondence about this. It is supposed to be a fixed interest rate, and I am assuming it was raised when I turned off recurring payments but apparently there is no way to get it back down now that it is with a different servicer. I was told during a chat with a representative that " some credit unions give discounts if you are on reoccurring payments but theres no way i can tell you if your credit union lendkey had you consolidate with is one of those '' ( XXXX ). I am extremely tired of not knowing what happened with my loan, my interest rates going up, my monthly payments changing, and being told misinformation that costs me money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Unsolicited issuance of credit card

Complaint: I have a Belks Credit card. I have paid it early every time and have been a loyal customer. I reported my card lost/stolen to belks. They issues me another card due to this situation. I also reported other Credit cards lost/stolen at the exact same time. I pull my credit report and belks put my XXXX card on there as CLOSED and then put another card on there as a brand new card. Never has this ever happened. So now I have a closed card and a brand new card opened on my credit report. This affected my credit score and it 's unfair. I complained to customer service XXXX so far and am given excuses as to why it 's there. Why do n't all companies show the credit bureau card was lost/stolen and then issue a new card. Why is it only belks that does this? If that was the case, I would have said forget it. Belks deceived me and I want answers NOW! I did n't ask for XXXX belk cards to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (IA).
Issue: Loan modification,collection,foreclosure

Complaint: We received a letter dated XXXX XXXX, 2015. The letter stated we may be eligible for a FHA Hamp with Partial Claim. To accept this offer we were required to make our XXXX monthly " trial plan payment '' under our Trial Payment Plan. The Trial Payment Plan was as follows:XXXX payment : {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15The plan further stated each payment had to be received by Stonegate Mortgage within 15 days of the trial payment plan due date. 
We made the trial payments as follows:XXXX payment {$1400.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15We have successfully remitted the trial period payments and have not received any further notification from our mortgage company advising us how to proceed. We did receive a phone call from a Stonegate representative stating our trial payments were short by approximately {$40.00}. We challenged that statement and have documentation to show all of our trial payments were made successfully. The representative stated they would research the matter and get back to us. We have n't heard back. 
We need to know what the next steps are. We need to know if we are approved for the FHA Hamp with Partial Claim. We have n't received anything in writing or verbal from Stonegate advising us how to proceed now that we have successfully completed the Trial Payment Plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was sold from XXXX to Salene Finance in XXXX 2015. I paid my XX/XX/XXXX payment to B of A but Selene never got it and assured us during the transition I would not be assessed late fees or report negatively to the creditors ( which I was ). Long story short my husband have just come out of a 4 year on off unemployment steak we asked Selene for a payment plan and submitted our paperwork. We made our XX/XX/XXXX and XX/XX/XXXX Payments but they are not reflecting as being paid so we look 4 months behind. They denied our request for a payment plan because they want to come into our house. Now when we modified with XXXX they did an outside inspection. We live in this house it 's an invasion of our privacy and they are n't applying our payments so they can kick us out.

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 CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 my credit report was pulled in a result of a hard inquiry That I did not authorize.

Company response to consumer: Closed with explanation