milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports.
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.

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 11-10-2015 about Debt collection (Payday loan) with High Point Asset Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I got a call today from a debt collector stating that they were willing to consolidate a debt from XXXX different payday loans. I never took a payday loan out, but the company that called me provided me with my ss #, old address, birthdate, full name and bank account information. I tried calling the XXXX companies that these loans supposedly originated from, but they are no longer in business. I also have not worked since 2011 and have lived in XXXX since then, but XXXX of these loans supposedly originated since we left XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (LA).
Issue: Charged fees or interest you didn't expect

Complaint: Loan Start date was XXXX/XXXX/2017 for {$600.00} dollars.
<P/>
When I signed up I thought I would only have to pay back {$720.00} including a {$120.00} finance charge.
<P/>
I have tried to pay off the loan multiple times but they say oh its too close to your loans next due date and auto draft my account for for {$160.00}. Almost all of this goes towards interest so far I have payed Interest Paid To Date : {$980.00}. This is utter predatory and ridiculous. You can not see the % rate until after the terms are signed. They keep adding load extension fees. I do not want to extend it I have tried to pay it off but they refuse siting its too near the payment day and it has been processesd already.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A decision was rendered by the XXXX XXXX XXXX XXXX wherein the proposed decision was a finding had been made that the bill for services submitted by XXXX was done so too late and as a result both myself individually and the insurance carrier was found NOT to be financially responsible. A thirty-day period was provided in which to object to the decision and no objection was filed by XXXX. As a result the decision was filed in XX/XX/XXXX. 

This bill for XXXX has been continuously reported every month to the credit bureaus by XXXX through their collection agent XXXX XXXX XXXX XXXX as an open collection account. In fact, during the specific time frame in which the proposed decision and the final decision was filed, the collection agent XXXX XXXX XXXX   XXXX each time updated their reporting again reporting the collection was accurate. 

Despite several calls to the company, sending them copies of the decision, they have refused to cease reporting it as a collection. In fact, during my most recent conversation with XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was informed by " XXXX '' after he spoke with his supervisor that even with knowledge of the decision, that neither myself or XXXX XXXX was responsible, he advised they intended to continue to pursue repayment from XXXX and while doing so they would continue to report it as a collection account in my name, but would mark it as an " insurance hold '' internally. 

XXXX XXXX XXXX  XXXX are knowingly and willfully reporting false and inaccurate information to the credit bureaus which is having a negative impact on my ability to both obtain credit and to obtain competitive interest rates, all while knowing a decision was rendered finding me not financially responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with Crow Creek Sioux Tribe (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I received a loan for {$670.00} and have paid them XXXX for the past 5 months and when I spoke to them today they told me that I still had 5 more payments to make of XXXX. By the time the loan would have been paid off I would have paid {$4000.00} on a {$670.00} loan. After speaking with a lawyer he stated that the company is not licensed in the stated of VA and you could n't find any real information on the company when he searched and that the company had numerous complaints and is part of scam that gets around the law by using tribal or native American laws.

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 09-11-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is an additional, and new complaint regarding Equifax 's records being incomplete, and then inaccurate tradeline. 

I attest that I am XXXX XXXX, and the owner of this account, and all verbiage communicated through this portal. 

The XXXX tradeline is incomplete, and innacurate. 

The following is true -1XXXX The Last Paid date is not XXXX. The Balance is not accurate5. Because this account, installment account, has not been updated in almost a year, it impacts my score negatively and in such a way that looks as if the balance is and has NOT decreased4. The Terms, Frequency and dates ( last updated by ) are all inaccurate5. Please validate this account, and as a result of EQ 's validation efforts please share you method used, along with all contact details for this XXXX XXXX XXXX at XXXX is my contact name - and number ) 6. Delete the account, if it can not be made whole and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Payday loan () with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a loan from Instaloan in XXXX around XXXX XXXX, and each month I make a payment to them the payment goes up and none of the money I pay is going through what owe them. My payments are XXXX when I pay that I still owe them XXXX I told them I do n't understand why none is going through what I borrowed and I was told I had to pay them more in order for my balance to go down. So the following month they said my payment was XXXX again none went on the amount at all. What can I do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Background : XXXX XXXX, 2015 - I consolidated XXXX student loans into XXXX prior to XXXX 2015 I did not have a loan contract with XXXX. 
I am in a housing program called XXXX seeking a housing mortgage. When they pulled my credit I was told I have a collection on my credit report from TransUnion and XXXX. 
Naturally I pulled my credit and my account with XXXX/XXXX student loan is indeed showing up as in collection and late -TransUnion 120 days late, XXXX 180 days delinquent. 
I would like to contest this information incorrect again. My account is not it in collection, not is it 190 days late. 
I have attached : 1. the consolidating lending contract dated XXXX XXXX, 2015, 2. XXXX account summary account XXXX, 3.XXXX disputes sent electronically, 4. XXXX credit report with credit bureau findings. 
I can not apply for a housing loan with derogatory information on the credit report. 
I would like this derogatory information removed 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 non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

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 08/13/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This is regarding unlawful debt collection practices of XXXX. XXXX received a court order to have my bank account seized to pay a debt, taking every penny to my name XXXX it was basically enough money to cover rent and expenses for a month ). This was done with no notification. After seizure, I contacted them to know why did they do this after I had told them as soon as I get stable employment I would work out a payment plan. They said they unsuccessfully tried to serve me at an address that I did not recognize. I have been at the address I currently live for more than 10 years and had provided it to them twice, in addition it is my credit card billing address. They said because they could not reach me they posted notice in some newspaper and this is all a judge needed to know in order to find judgment against me. This is illegal according to California Civil Code section 1812.700 - 702.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: We were contacted by this company in the summer about a medical bill that was unpaid. When the representative reviewed the bill it was discovered to have been filed under the wrong insurance. We gave the representative the correct insurance information and she assured us she would refile. We did not hear from them again until XXXX XXXX, 2016. On XXXX XXXX Nationwide called my husband multiple times during the day. When he explained to the representative that the insurance needed to be refiled she became belligerent with him and began insisting that he MUST pay the debt right then. He tried explaining to her that the insurance needed to be filed with the correct patient and number but she did not listen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with Rent Recovery Solutions (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was looking to move into a new apartment and I was denied. I discovered that I had an account in collections with Rent Recovery Solutions from XXXX XXXX apartments managed by XXXX. During the time I lived there my apartment was in deplorable conditions due to roof leaks and unfinished repairs from maintenance. After numerous request to maintenance and management about those issues I was completely ignored. I had no other alternative than to withhold rent payment and go to court. They filed suit because of this and I filed a countersuit due to the fact they refused and failed to repair the property. The results of trial were that I had to move by XXXX/XXXX/2015 and I did not have to pay any money to the property for rent, late fees, utilities, and court cost. I have provided this information to XXXX XXXX at Rent Recovery Solutions as well as copies of the court orders. After verification of receipt of papers, she stated that her client XXXX XXXX apartments refuses to remove the erroneous information and to will continue to report it to the credit bureau and advised that I file a dispute. This has caused a great damage while trying to secure a home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I left the country back in XXXX 2016 and return to the United States in XXXX 2016, received an letter from Citibank say that I owe them {$270.00}. I have a positive balance of {$83.00} at the closing statement on XXXX/XXXX/2016. For no reason Citibank sent me a refund check in the amount of {$83.00} in XXXX, which till this date I still have not received them, and a notice from Citibank dated XXXX XXXX, 2016 was sent to me in regards to a stop payment of the check. The bank should never sent a refund check and started charging me late fees and interest base on my own calculation. Citibank now owes me {$26.00}, instead of me owing them {$270.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Previous CFPB # XXXX AES sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my XXXX XXXX. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with AES for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have student loans  with Navient th at are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  Navient  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN fails to remove the XXXX account. EXPERIAN reports incorrectly that this account is paid monthly. EXPERIAN reports incorrectly this medical account is an open account. XXXX reports incorrectly the date of first delinquency. EXPERIAN fails to verify the authenticity of this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 01-07-2016 about Debt collection (Payday loan) with Sullivan Asset Management, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2015 around XXXX I was contacted through XXXX by a relative that they had been contacted by an XXXX XXXX at XXXX about my debt. I did not give permission to contact this relative nor did I list this relative as a person of contact on my payday loan application. I do not personally have this relatives contact information and they do not have my we are not close and only communicate through social media. This is a clear violation of Fair Debt Collection and also an embarrassing, conflicting, and confusing situation in which this companies debt collecting is practicing. It is unacceptable and violates XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me. 
She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my 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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Equifax and have not gotten any response. 
My file has split into two files and there is two fraud account not mine and I sent the police report they requested in order to remove it and it still in my file. 
XXXX XXXX XXXX {$12000.00} Opened Date XX/XX/XXXX XXXX XXXX {$13000.00} Opened Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service, Inc (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all XXXX credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. 

Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage with Loan Care which was paid on XXXX/XXXX/2016 using my on-line pay bill as it is every month and the company is charging me a late fee because the funds were n't received by the XXXX of the month. This is the second time Loan Care has stated they did n't get our payment on time. 1st time they stated that they saw our payment was made on time and they would " waive our late fees '' even though the payment was made on time. This time they stated that they could n't see the payment being made. I offered to give my the confirmation number of the payment which XXXX employee ID XXXX refused to take he stated that I need to my bank fax in prove of the payment so they could research the matter. At this point I requested to speak to a supervisor XXXX refused he stated that their was n't a supervisor available at this time and he would take my phone number and someone would contact me back with 48hours. This is the second me or my wife have requested to speak a supervisor and were refused. Loan Care is purposely posting my payments late so they can charge me late fee 's which are not valid. This is a prefect example of predatory mortgage servicing which is the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.

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