milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed the collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2013 {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX And after getting the run around and having the collection agency attempt to violate HIPPA laws by telling me that this collection is from my primary care doctor. XXXX XXXX XXXX sent a letter only saying the amount of the debt owed no further explanation. The amount on the validation was different than the amount being reported. I tracked down the original creditor XXXX XXXX XXXX XXXX   XXXX XXXX after filing a complaint with the CFPB and the original creditor has no record of me owing a debt I was then referred to XXXX  XXXX XXXX who also has no record or information on the debt. Experian states that the debt is verified as accurate however this is inaccurate information if the debt can not be validated.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

Company response to consumer: Untimely response
Consumer complaint received 01-07-2017 about Debt collection (Medical) with Simon’s Agency, Inc (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: getting multiple calls. I have already paid the due amount to the concerned party, told them the same and " asked them to stop calling ". The lady on phone said we will continue to call, when i said i will block your number, she said that we will dial you from other numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with Mobiloans, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by MOBILOANS LLC , XXXX XXXX XXXX, XXXX , XXXX XXXX on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, XXXX, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Untimely response
Consumer complaint received 04-10-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage account was with XXXX Bank and it was sold to LoanCare XXXX. I recieved a notice from XXXX bank about a month and a half ago informing me of this. I have not received any correspondence at all from LoanCare XXXX. I am concerned after reading reviews about this new company that this is their common practice to trap people into paying unnecessary fees.

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 04/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The above is what was issued for the report-case number. 

XXXX had reported an account through various agencies for over 7 years. My XXXX count was closed in 2007. I have disputed this and had it removed before due to age and they have sold this debt and reported it for close to 9 years for over 400 dollars. Now under pinnacle for {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was told by XXXX that my personal info was part of their breech. On XX/XX/XXXX, I place a freeze ( online ) on all 3 services. At the end of the online process I had to pay {$10.00} to each credit reporting service. On XX/XX/XXXX, I went to purchase a new vehicle. I told the dealership I had a freeze on my credit. I had to phone TransUnion ( automated ) to put in my pen # to temporarily unfreeze my credit. At the end of the automated call I had to pay {$10.00} for my credit to be checked. When I placed the freeze on my credit I was not notified that I would have to pay every time my credit needed to be checked. 

On XX/XX/XXXX I called TransUnion and their representative told me the fees vary from state to state.

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 03/14/2017 about Credit card () with WELLS FARGO & COMPANY (WA).
Issue: Late fee

Complaint: Wells Fargo Personal Credit Card ( including all other consumer products ) forcefully required all consumers to change their user profile and passwords in late XXXX - early XXXX without the adequate provision for consumers to retrieve their information in the event they got stuck, forgot their tangible card. This change got me locked out of my account a few many times causing delays in my credit card payments. Upon speaking to WF on the third lock down and one delayed payment, no action was taken to rectify this and I was recorded with a delayed payment on my credit score. I want to take legal action on WF for not providing consumers with provisions to retrieve their information at any given point in time. Security robustness can be provisioned without inconvenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan you didn't apply for

Complaint: I have a charge for {$500.00} from Ad Astra ( a collection agency ). I have been a victim of identity theft. I never applied for this loan. I have made this clear to this company. But they demand payment. Ive even asked if I settled if theyd delete it from my credit report. Ive attempted to have this taken care of. Yet, this company refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (FHA mortgage) with COLORADO HOUSING AND FINANCE AUTHORITY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment on my mortgage for XX/XX/XXXX to my previous mortgage lender. My mortgage was then transferred to a new lender, but the new lender is claiming that my payment was never made. I have sent documentation to the new lender showing that the payment was made, and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I was previoulsy informed by the Department of Homeland Security that my information was invovled in the security breech and that my information needed to be monitored. In late XXXX early XXXX my checking account was compromised and my payment that was sent to Worl Finance was returned. I contacted World Finance and explaned to them the situation and they agreed to allow me to bring my account payments current on or before XXXX XXXX. I set a payment to be payed from my new account on XXXX/XXXX/2015 which was recieved by World Finance. I received a phone call from them stating that they are refusing my payment because I had a report XXXX return payments. When I inquired about return payments he stated that my most recent payment was returned and a payment that was on a previous loan was returned as well. I informed him that I called about the previous payment and the conflict with my old checkking account being frozen due to the information breech which he confirmed was in the notes. He then stated that its a sign in the store that states when loan payments are returned XXXX or more times they are no longer going to accept payments from me. I then argues that my contract does not specify any of this and that I was unaware of any signs in the store. He the stated that he was returning my payment and that no other oayments sent to them form my bank will be accepted. I asked to speak to a manager but was told he would call me on Friday XXXX/XXXX/2015. On XXXX/XXXX/2015 the manager never called. I the contacted World Finance and I was spoken to harshly by a young woman on the phone. When I tried to explain my problem she stated that the polucy which I was calling about was a corporate policy and was not lsited in the contract. She then stated that the manage would then contact me on XXXX/XXXX/2015. As of XXXX/XXXX/2015 no one has contacted me and I have called several times to the store but now XXXX will take my call. XXXX payment made on XXXX/XXXX/2015 has been sent back to me. In addtion I would like to mention that I have had several loans with this company and have had an excellent lending history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I paid a state tax lien in XX/XX/XXXX. The amount of the lien was originally XXXX. However, since I had moved the interest had driven it up to XXXX. The later is the amount that was paid to the Georgia department of Revenue. They sent me a letter of Cancellation on XX/XX/XXXX. I sent this letter, copy of cancelled check to Equifax for deletion. Instead of deleting it, they changed the docket number and said that XXXX XXXX is responsible for having it removed. So, I contacted XXXX. Again, was told that it was Equifax 's decision. 
Today I called in to get this removed under the XXXX XXXX of XX/XX/XXXX. The enclosed lien that is filed does not have neither my Date of Birth nor my full Social Security Number on it. I was told that they investigated and the lien stays. He also told me to call XXXX XXXX Superior Court Clerk to get a deletion letter. I called and spoke to XXXX. She told me that they do not do deletion letters and that the letter of cancellation should have been enough to get this item deleted back in XX/XX/XXXX. 
I ask that you please investigate Equifax and their not handling this issue correctly. Please see enclosed lien and other documentation

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Application, originator, mortgage broker

Complaint: I am disputing Bank Of America 's reply to my last complaint. They say thatbecause I signed the loan papers, that showed that I fully agreed to it 's provisions. 
However, because I trusted BOA to provide accurate info, I did not have accurateinfo on my home 's value until I was able to do more research later. I was surprised to findto find the house had been appraised about for about {$100000.00} more than it'smarket value. Also, it took about XXXX years to get a copy of the XXXX appraisal. 
This considerably increased the cost of the loan and made it impossible to sell thehouse. I am still asking for compensation as originally requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08-04-2017 about Debt collection (Private student loan debt) with Weltman, Weinberg & Reis Co., L.P.A. (FL).
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 there was a private school loan through XXXX XXXX XXXX.It was sold to XXXX XXXX. Last year I had discovered XXXX XXXX had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. XXXX XXXX hired this debt collector, Weltman, Weinberg and Reis- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 XXXX accounts in XXXX and XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. WWR sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of Weltman, Weinburg and Reis Co., LPA on XX/XX/XXXX. Weltman, Weinburg and Reis are reporting this account however was opened in XX/XX/XXXX. Without letting us know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that WWR has double reported these debts and it should be deleted because the current creditor XXXX XXXX has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by XXXX XXXX. We are also working closely with our attorney on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I RECENTLY CHECKED MY CREDIT AND NOTICED A XXXX XXXX XXXX SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED XXXX VERIFIED ITS MY ACCT SO I CALLED XXXX TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER .. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Managing the loan or lease

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015, my mortgage was transferred from XXXX XXXX to Seterus , Inc . I set up automatic bill pay with Seterus, the first payment was set to auto-draft on XXXX XXXX. They payment never went through ( I was checking my own XXXX XXXX bank account ). The loan was due by XX/XX/XXXX, so on XXXX I got onto the Seterus website and paid it manually ( not via auto-pay ) so as not to be late on my mortgage payment. Two days after I manually paid the mortgage online, now on XXXX/XXXX/15... 4 days after the payment was SUPPOSED to have gone through, Seterus withdrew my mortgage payment. This double-payment resulted in me over-drafting my account, which resulted in further fees from my own bank, and I now have no money until the end of the month. Seterus has no listed phone number or email address to contact them to get the issue resolved. Issues must be resolved via fax or via mail ( actual mail, not e-mail ). I have faxed them, but it has now been almost 24 hours and I have had no response, and no way to contact them. I am now unable to pay all of my other bills and will certainly incur late charges on those bills as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: my credit report shows XXXX XXXX is collecting for XXXX in the amount of {$690.00} I contacted XXXX in XX/XX/XXXX to inquire about the unknown acct. was informed XXXX no longer owns it and is unable to access records. 
I never had a XXXX account.. I contacted XXXX and requested verification, none has been provided, yet they continue to report the account. I need written proof to substantiate the existence of such account to file police report. I can prove that during the same alleged time frame I had phone service connected for years under my ex account through XXXX and never had my own. tired of being ignored. they have full knowledge they are violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan ( which had been refinanced/consolidated and was in good standing ) was servicing transferred American Education Services ( AES ) from XXXX. Upon servicing transfer, AES changed the terms of the loan, including interest rate, amount due, term, etc. According to their information, this loan is now in Forbearance and they are charging me interest only payments rather than applying the amount to principal that was specified in the previous loan agreement. I have requested multiple times for them to research the history of the loan and correct their mistake, but they have chosen to do nothing. I asked them how they were justified in changing the terms of the loan under a simple, servicing transfer, but they insist that the loan was in default. XXXX 's records will show otherwise, but AES has elected to not research the history of the loan and update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with XXXX, Experian, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. XXXX responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. Experian did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX  has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.

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