milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly handled their data security, allowing over 140 million credit report accounts, including account numbers, addresses and social security numbers, to be accessed by unknown third parties for an undisclosed amount of time. They have failed to notify affected customers in a timely manner and have not provided any clear method of protection of consumers or plan to correct this catastrophic error. Hundreds of millions are now at immediate risk of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a written a letter to XXXX Customer Service, in XXXX XXXX, XXXX XXXX, on XXXX XXXX, 2016, explaining to them that there some misunderstanding on my loan number # XXXX, I paid this loan in the amount {$100000.00} this loan was paid in full by my XXXX XXXX in the amount of {$1000.00} for the entire amount, still they list my account as Negative for payment as if I had made any effort to pay it? What is honest man suppose to do when you pay your bills in the right way? I have enclosed evidence for this accout-SEE ATTACHED.

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 12/14/2016 about Credit card () with DISCOVER BANK (CO).
Issue: Other

Complaint: my daughter viva reieved an application for credit card from DISCOVER XXXX with all kinds of bonus credits free XXXX score Apple payback never responsible for any unauthorized purchaces 2 % cash back cash back for good grades ( most predatory of all ) 0 % APR on purchases for first 6 month 13.24 % -22.24 % interest no annual fee cash back match first year offer ( whatever the heck that is ) call their XXXX number under XXXX can only apply on XXXX to get off list if she does n't give permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The creditor has been making false negative reports for almost 12 years ... I have not done any business with that specific company since 2006, which is well past the 7 years for negative porting to be allowed. I have submitted several disputes via the Internet, mail, & phone with TransUnion to remove this item from my credit report as it creating a tremendously negative impact on my TransUnion report.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report two obsolete credit card accounts. The XXXX XXXX XXXX ( XXXX XXXX ) credit card is account number XXXX and XXXX XXXX XXXX Credit Card ( XXXX ) XXXX. <P/>Both of these XXXX XXXX XXXX accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX ) and Transunion ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with XXXX XXXX XXXX with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with Transunion. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. XXXX XXXX XXXX has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This month in XXXX i sent a complaint about equifax reportung incorrect info and here it is it ... this the 3rd time they have removed and the. Readded these 2 accounts that i have pictures of that should not be on my report at all! XXXX XXXX and XXXX XXXX ... these were suppose to be deleted because they part of bankruptcys that were deleted and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting information on my credit file that is clearly inaccurate and unverifiable and by law it has to be deleted. 

I am asking you to adhered to the law and removing these negative account. 

I have provided infallible proof.

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 05/17/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. 
I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. 
I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 
2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage from XXXX XXXX was sold to SLS in XXXX XXXX. I paid my XXXX payment ( {$1200.00} ) to XXXX because I 've done this for 10 years. I started receiving notifications from SLS in XXXX that they now have my mortgage and need to begin making payments, but the payments have increased by {$400.00}. I 've asked since XXXX, for an escrow review of my mortgage to no avail. As of date, I have not received anything from SLS pertaining to why my mortgage has increased. I 've spoken to them 3 times, and still no reason, explanation, or letter. I made my XXXX, and XXXX payments because their customer service representatives told me to continue to make payments of my original mortgage {$1200.00} and it will be placed in holding as " good faith effort. '' On XXXX XXXX, XXXX I received an Intent to Foreclosure letter indicating I have n't made any payments. I have my XXXX XXXX statements that indicate I 've made payments. 
I 'm really disappointed with SLS, their representatives, and their policy and procedures regarding retaining records, collecting payments and not applying them to my loan. They are threatening foreclosure and I 've made payments. They want me to pay {$400.00} more without reason or explanation informing me why.

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 09/25/2017 about Mortgage (Other type of mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Trouble during payment process

Complaint: I have been with Dovenmuehle Mortgage Inc. since XXXX. Every since they have bought my mortgage it has been nothing but problems. Example - payments been placed on the wrong months not getting a positive response from the company about the matter. Then getting to run around repeatedly about my payments. I have filed a complaint before with cfpb about this same matter. I have contacted other agencies also no one is doing anything about this crooked mortgage company and they are getting away with it.Now they are trying to take my home. When they were contacted by you CFPB, they sent me paper work where the dates or payments were n't right and did n't add up. All it was was a lot a paper with the logo and incorrect information on them. I have seen on this very website other complaints about this same mortgage co. and home owners payments. WHY??? is this company able to get away with this i do n't know. i have proof of all my payments from being to end. The mistake was Dovenmuehle and they have yet to fix it and will not fix. They say they have fix it but that 's not true. Now they are trying to charge me more money Late fee etc. and have yet to fix my account. Now they want to take my home

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: There are 6 accounts on my Equifax credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX Acct # XXXX, 2. XXXX Acct # XXXX, 3. XXXX XXXX Account # XXXX, Both accounts 2 and 3 have same acct # s different amounts listed, different company names. 4.XXXX  XXXX Acct # XXXX, 5. Acct # XXXX, 6.Acct # XXXX, These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I noted a change in my mortgage payment with Ditech with an increase of approximately $ XXXX/month. I called and was told my taxes had increased by XXXX % and therefore I was behind on escrow. The taxes had not been increased, but rather were incorrectly added to my account in their tax department. Their tax department agreed there was an error and they would rerun the escrow report and change the payment amount. I contacted the Ditech again after there was no correction two weeks later. I have called every 10-14 days since to have this corrected. Each time I am told a department did n't do their particular job and they will forward an email to have the correction made. I was told on half a dozen occasions that a new escrow report would be done and they would correct the account. No report has been run and no changes have been made. I called again today and was told again, went to wrong department and check back in 3 days. They would not give me any further phone numbers to talk to someone in a Managerial position to resolve my problem. I continue to pay the inflated monthly payment to avoid any credit reporting issues. I feel that I must refinance my mortgage with another lender to get away from this company. I 'm not sure what else to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of XXXX minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and   XXXX    report that I did not authorize and had no knowledge of. I contacted Transunion and  XXXX  immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.     Transunion   : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX  7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   1.  XXXX   XXXX   XXXX   XXXX   2.  XXXX   XXXX   XXXX   XXXX  ,  XXXX  3. XXXX   XXXX   XXXX   XXXX   XXXX  4.  XXXX    XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  8.  XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   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 06/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent letters made calls back and forth to the Dept of Ed who tells me my account is closed paid in full and should not show any negativereport to the XXXX credit reporting agencies. Dept of Ed student loan claim Imust dispute any negative information with transunion XXXX orXXXX. I have done so many times and it continues to show multipleincorrect reports of missed payments. I have asked the closed accountsbe removed which are from more than 7years ago but all I get is ais a customer remarks added to their report claiming I never missedpayments. will they ever help me and clear my record so I can buy ahouse! I have sent proof to the agencies from my student loan companythat the accounts are paid what else do they need???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: The TD Bank in XXXX, NY ( well TD in general ) has no idea what they are doing! I 've had a few accounts with them and at one point they were closed due to being negative, overdraft etc. I have since taken care of each of them and somehow now they have NO RECORD of it. Not only that but with my last account they was some fraud activity and I was never notified of the issue but the account was placed on HOLD. When I noticed the account was on HOLD I then called and spoke to an agent who transferred me to the fraud department. I was then advised the best for me to do was to take care of the negative balance which was {$50.00} and then closed the account and reopen a new one.I was not advised of any time frame, in fact, I was advised to go into a branch once I received the refunds I was waiting for since they would cover the negative balance.Since this all happened around the holidays I did place everything on HOLD till after the holidays. Since then I have been in this branch several times and not ONE person has been able to assistant me with this issue. One they are claiming not see any notes from the first agent stating what my " due balance '' is ( which I ca n't seem to understand because the first rep I spoke to was able to locate the notes. And I would think everyone has access to the same notes and files ) This back and forth with them has been ongoing for months and no one has helped not even a small bit. They have actually kept $ XXXX and something dollars from me ( which I should say STOLE ) with no valid explanation1 I have tried to contact their corporate office via email and via XXXX and no one has replied. I think this is ridiculous that they are getting away with the things they are doing. It 's not fair that I am paying for their XXXX. And now because of their XXXX, this is showing up on XXXX report and preventing me from opening any future account. I would greatly appreciate it if someone got back to me with some of solution for this problem. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all three credit agencies due to fraud as well as multiple incorrect entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Debt collection (Credit card) with Convergent Resources, Inc. (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Convergent Outsourcing , Inc is misrepresenting itself to claim to be authorized to collect on a non existent debt to commit fraud. Their only purpose is to steal money for their on gain. They are well known for fraudulent behavior. The document sent connects them with XXXX. These frauds work together and steal XXXX from consumers yearly. It 's too easy for them. What can be done to prevent a ripoff? 

















llc

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and NCB MANAGEMENT SERVICES, INCXXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and NCB says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Consumer Loan (Title loan) with Greene Finance Corporation (NC).
Issue: Charged fees or interest I didn't expect

Complaint: My recent complaint ending in XXXX was disputed because they referenced an old paid off loan. The loan # in dispute by me is # XXXX. I was not able to " opt out '' of credit life and XXXX on any of my loans prior, even though I 'm an insurance agent myself. This loan is very large now and worth as much as my car itself. Please have them explain my current loan status, not a paid off XXXX from 2014. I understand that the insurance paid by me is purely profit.

Company response to consumer: Closed with explanation