milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 XXXX XXXX I submitted a request to Transunion to review the new credit law information for removal of Public Records that was introduced in XXXX XXXX. Instead Transunion launches a investigation into XXXX XXXX XXXX XXXX Tax Liens being reported on my credit report. The results came back from Transunion as being verified but I received No proof of how or with whom the Tax Liens were verified. I contacted my Clerts Office here in XXXX Alabama and was informed their office DOES NOT report any information to credit bureaus ... the new credit law states The credit reporting agencies agreed to remove new or existing tax liens and judgments that dont contain at least XXXX out of the XXXX pieces of identifying information. Neither of The ( XXXX XXXX Tax Liens that are reporting on my Transunion file contain at least XXXX identifying pieces of my information..

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 05-07-2016 about Credit card () with DISCOVER BANK (UT).
Issue: APR or interest rate

Complaint: Discover Card offered me a XXXX percent rate for life in XXXX which expired in XXXX XXXX unless I made XXXX purchases a month. I accepted and transferred a balance. I also was moving and subscribed to online statements, electronic notifications, and autopay. After several years now, I have discovered they expired my promotional statement in XXXX XXXX with no advance notification. Alot was going on. Several moves later and a change of bank and I looked at my Discover Card bill to see interest charges. When I produced the original paperwork my card came on ( but not he card holder formal agreement ) it lists the zero percent rate and footnotes that it is expiring in XXXX XXXX but is extendable if I meet the extenstion required transactions per month. They have now denied this, said they do not keep records longer than 7 years, and can not produce my original cardholder agreement. The fact that I do not have the formal cardholder agreement has encouraged them to decline my request to refund the interest paid even though they can not produce the original agreement either. Clearly I am upset. can you assist? thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/2017 I tried an online freeze of my credit ( considering XXXX breach ). Experian said it can not honor my request. Tried twice.

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 04-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2016 about Mortgage (FHA mortgage) with PLATINUM MORTGAGE INC. (VA).
Issue: Settlement process and costs

Complaint: After receiving the final Closing Disclosure on the day of closing, I noticed that I was charged twice for the Upfront XXXX ( it was financed with the price of my loan and added onto my closing costs ). I contacted the lending agent and he said my closing agent will explain to me how I 'm not being charged twice. So I contacted the closing agent and explained the issue and he said my lending agent would need to address the issue. Then I call the lending agent back and he threatened that I could close that day if I wanted this corrected. I was purchasing a home XXXX miles away from where I lived. I had taken time off work, secured movers and had all my stuff in the moving truck. If I did not close that Friday ( XXXX/XXXX/2016 - the week before XXXX ), it would have cost me more than the {$2300.00} upfront XXXX fee, to reschedule the close so I signed the documents. Needless to say I have been very upset about this ever since that day. To see on paper that I was being cheated but no way to get the issue resolved fairly and get the move done successfully.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12/31/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Easy Money XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at Easy Money, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for Easy Money, was collection, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to Easy Money XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

Easy Money does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to Easy Money for Pay Day Loan. 

I request assistance in resolving this matter.

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 11/27/2017 about Mortgage (FHA mortgage) with Fairway Independent Mortgage Corporation (PA).
Issue: Struggling to pay mortgage

Complaint: Hi I have tried for 3 months now to get a modification and I feel like they are giving me the run around and have no intention to actually help me or even look if I qualify. I have sent every paper they asked for, I have called numerous times and been told they have all they need and will contact me and then I look on their website and see they have me down for missing papework and not being approved. I would really like one person to contact instead of random customer service people who do n't know what they are doing, this is important to me it is my home for my family and I am out of work on workers comp. I just need help with what is past due and I can resume payments. I just fell behind because of the injury and loss of pay for a while then I got hit with having to may my own healthy coverage and the home has a pool and trees that I then had to have winterized to avoid any damage and with all those things and limited income way lower then my usual pay I just could not do both. I can resume payments now but I am behind and need to work that out first. I just want someone to work with me rather then write me off.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I owed a debt to  XXXX  ; they hired RMCB to collect the debt. The initial calls were with a very pleasant young man who honestly seemed as if he was trying to work with me. I made a payment with a credit card, let 's call it  XXXX , and attempted to set up a payment plan to pay the rest. The young man was so intent on my paying a settlement that he got a satisfactory amount approved throu gh his " manager. '' I  agreed and set up the payment with a different credit card,  XXXX , than th e one I  had used for my first payment. The payment was to come out  XXXX   XXXX ,  2017 . I called in to reschedule the payment to  XXXX   XXXX ,2017. The payment came out  XXXX   XXXX ,2017, but not on  XXXX , the card from which I authorized payment! They took the payment from  XXXX , for which I had not authorized payment. To make matters worse, I received the absolute nastiest letter on  XXXX   XXXX  that had been drafted  XXXX   XXXX  demanding payment. Remember, I had already made arrangements to make this payment on  XXXX   XXXX . All they had to do was wait 3 days before sending me the foolishness that they did. Very disrespectful!  XXXX  and other businesses need to know with whom they are doing business when they hire debt  collectors. Not a g ood look for any company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2017 - Forward Movement Recovery has been calling and leaving threatening voicemails that if I do n't call them back they will contact my family. They have called my uncle on his work phone, home phone and cell phone ; and they have called my grandparents. They are asking for XXXX XXXX, my maiden name was XXXX so they do n't even have the correct last name. 

I returned their call XX/XX/17 and they refused to give me information without telling them my social security number. I refused to give it to them so they would n't tell me why they were calling. I have my credit report monitored so I know there are no collections or derogatory information. 

I believe this is a scam and it 's very unsettling that they have my family 's private numbers that I do n't even have.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: We filed a Chapter XXXX Bankruptcy and completed the restructure in XX/XX/2016. We are in the process of refinancing our loan and Wells Fargo is reporting the payments made in our Chapter XXXX as late payments. We have contacted them and tried to resolve the issue, however they have extended their investigation time for over a month. We received a latter today stating they have done an investigation and the reporting on this end is accurate. 

We also had a payment plan from Wells Fargo Bank, made the payments they asked for and they are also reporting the payments as late on our 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 non-monetary relief
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i ran my free credit reports XX/XX/2016. On my Equifax report, there are XXXX revolving charge accounts that do not belong to me but belong to my Mother ( same first name, different address, DOB, SSN ) for XXXX credit card and XXXX credit card. Also, Equifax is reporting me at an address that I have never been a resident of but is related to the XXXX credit cards that are not mine. I disputed all XXXX items and am waiting for response on the credit. To remove the address, the want a copy of my DL, a utility bill and a copy of my SSN card. I WILL NOT provide that information. Do they not check the SSN and DOB before putting items on consumers credit? I want the XXXX disputed items removed and they need to be more careful and check the information first.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing statement

Complaint: i hate to do this since overall am ex is ok to me in XXXX years XXXX years now threatened in XX/XX/2016 a woman vandalized my home i asked american express hey since i am loyal and i have hardships and big expenses for unfortunate reasons help me out please no interest they said sure. dont worry and i got it back now i will not and can not pay interest in my current state. i would first exhaust other legal protections. since this is a hardship i resent to go thru this. i will not pay it cant but i dont like being lied to and then using the card only to be treated this way with many scripts. yes its valid buit its not right to insist with a loyal customer who only used it based on what i was told. not budging in my postion. cant wont, will not use either card til interst is credited as was promised which is why i used cards period i resent this. i will avail other options if i need to AGAIN no scripts in your answer you think i have interest money i dont? oh its valid no need to respond that way but Customer service dictates i should get what i am told. so you are losing business. period. keep sending letters but will not refund the interest go figure. NO scripts ot sendign the agreement not disputing it disputing being promised XXXX thing after XXXX years of customership. dont have it cant pay it. promised otherwise now not using. it at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (FL).
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: Fortiva a creditor has failed to correct inaccurate information in the remarks on the XXXX and XXXX credit report. It has been a merry go round with letters stating on Fortiva behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (I do not know) with URS Holding, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The J. C. Christensen & Associates , Inc. collections agency located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending a large number of letters to our address. The letters are addressed to XXXX XXXX XXXX who does NOT live at this address. XXXX XXXX XXXX is a neighbor who live across the street from us and just happens to have the same last name. We do NOT owe any debts to this agency, or any agency for that matter. It is an inconvenience to have to walk over to our neighbor 's house and hand over their letters every time we receive them. Finally, my wife took the measure of returning XXXX of these letters to the XXXX XXXX with a request to stop sending them, but the request has been ignored. I presume the agency thinks we are deadbeats requesting a stop to collections activities when in fact we are NOT the rightful owners of this debt. Failure to cease communication upon written request is a violation of FDCPA. We request this agency cease and desist from sending letters to our address. I also have UDAAP concerns about the letters. The letters do not name the creditor and just say " Time Sensitive Document ''. The most recent letters are yellow envelopes inside of a white envelope with a clear panel on the outside envelope, which seems pretty shady. I never open these letters, since it is a crime to open someone else 's mail, but finally did a XXXX search on the return address to identify the creditor. We sincerely hope the CFPB can bring a stop to these harassing letters and change the business practices of this agency for good.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I made an account with Bank Of America and I was n't being smart. There was a young women that was on XXXX around 2015 and she was flipping money on XXXX and saying that she could make people rich. And I did n't understand like I know now. But she ask me to send my card to new York and I did. Eventually I received envelopes in the mail about withdrawals from my account. And from there my account closed and did n't know what to do from there. I honestly had no clue that it was just a scam. I want to figure out to fix this cause it 's ruining my life. Please help me

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX  but not EXPERIAN. I already contacted them via email and have had no response.

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 04-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, 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/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, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (PA).
Issue: Taking out the loan or lease

Complaint: I read that Honda Financial Services settled for racial discrimination. How can I find out if I was discriminated against when I signed for a car loan?

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 Experian Information Solutions Inc. (MA).
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 : The creditor XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested inXX/XX/XXXX. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all XXXX credit bureaus.XX/XX/XXXX, failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.

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