milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX which ive Never heard of before, have reported my credit score to be XXXX out of XXXX. My FICO score is as if today XXXX. I monitor my XXXX, XXXX  and XXXX Which i understand are the o my agencies allow to provide my credit score, and this XXXX score simply doesnt add up and it is affecting me. I reached out and they want me to send a copy of my social security and license which I am not doing. I am formally opening a complain and hoping this company is taken out of circulation as it is affecting peoples credit worthiness.

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 07-07-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received notification via my credit report that I owed American Medical collection agency with account # XXXX. I did not open any letters indicating that I had an account with this company. Recently my daughter died XXXX on XXXX XXXX, 2015. I had incurred many medical bills from my daughter while she was alive and for 4 months both my wife and I did not have any income, which enabled us to care for our daughter. The collection agency indicates they have sent us letters but I do not remember ever opening a letter identified by AMCA. My family and I have recently been able to be better situated to pay for our debt, thus when I noted this agency on my credit report I immediately called and verified this debt and payed for it. After payment I asked this agency to remove the debt from my credit report, at which point they informed me they could not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A couple of years ago I took out a loan from a company named XXXX XXXX. They ceased communication with me about a year ago but within the last few months National Credit Adjusters has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXXXXXX XXXX, MIXXXX(XXXX) XXXXXXXX XXXX XXXXXXXX, MNXXXX(XXXX) XXXXXXXX XXXXXXXX XXXX, NVXXXX(XXXX) XXXXXXXX XXXXXXXX, RIXXXX(XXXX) XXXXXXXXXXXX, TXXXXX(XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Central Holdings, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX Complaint : Mortgage Servicer I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the XXXX. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with the filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with C & M Associates Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the debt in XX/XX/XXXX and since then I have received various phone calls throughout the years claiming I still owe the debt and will be sued. Today I received a call from XXXX who was willing to tell me my social security number, addresses, maiden and married names, and said they 're going to file against me for this very debt. This is not the only company to call me about this over the last 11 years ( the account was originally charged off in XX/XX/XXXX ). I need these harrassing calls to stop. XXXX XXXX XXXX ( the original debt ) confirmed today that it was charged off and sold to XXXX XXXX XXXX in XX/XX/XXXX, and that business is closed. I settled and paid to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and they are also closed. How can I track down what happened with my settlement and make the collections stop?

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery called my mother and convinced her that it was urgent they sneaked with me. My mother was called at XXXX CST and frantically handed me the phone. I asked who was calling for me and the lady only gave her name repeatedly. I specifically asked who she was representing and finally said Portfolia Recovery. I 've told them to stop calling me as the statue of limitations is passed in Alabama, 3 years if I remember correctly. I 've filed a claim through a credit reporting agency as I 've never received any paperwork via mail from them. I will now send them a written cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I took out a {$1000.00} loan with big picture loans.

On the XX/XX/XXXX I paid {$600.00} and a payment of {$390.00} was deducted by big picture loans. 

I thought I had paid back the {$1000.00} and was done with them. 

Unfortunately, on XX/XX/XXXX another {$390.00} was taken out of my bank account. 

I called and was told that I would get a refund of {$100.00}, because I still owed interest. 

I tried to check my balance online. I couldnt get into my account. Whenever I did manage to log in it said I owed XXXX dollars. Sometimes it said I owed {$96.00} or some other random amount. 

I would appreciate any help in resolving this problem and getting my money back. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : XXXX and TransUnion $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXXis reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX TransUnion has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account sinceXX/XX/XXXX on the first andXX/XX/XXXXon the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXXand XX/XX/XXXX and all 3 bureaus are reporting that I was late without any 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 10-06-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (NE).
Issue: Managing the loan or lease

Complaint: This is a follow up to Case number : XXXX. The company, American Credit Acceptance continues to call me with dead air voicemails. One voicemail appears that the person calling is talking to someone else, while another appears that they are eating. Multiple times over the past two months, I have requested for a due date change. This is due to my pay cycle changing. It was explained that my due date can change upon bringing account current. In attempts to resolve the situations, I attempted to reach out to " XXXX XXXX '' at " XXXXXXXXXXXX '' on multiple occasions with no reply being received. This attempt to reach out to the " Customer Relations Manager '' is not proving to be providing good customer relations. ACA 's website offers an option to send an e-mail, from their secured website. I have attempted to send multiple e-mails, received no replies. Their website includes a fax number, so I thought I would fax a written request to change the due date. The fax failed on three different attempts with a message of " No Answer ''. ACA is the worst company with the worst customer service. As I have been unable to have anyone respond to my inquiries, I am again past due, and per their supposed policy, a due date change is not available until the account is current. This company is only available during times that I am not. I am not able to answer the phone at a drop of a hat. During my last attempt to resolve, I had spent 45 minutes of my day ( which I later had a discussion with my manager about me not being available ) playing phone tag. During my last attempt to resolve, I had to explain to multiple people the arrangement ... ..was told to make one payment, call back at the end of the month with the next payment, but when I called back, there was no record of such arrangement and had to explain for a total of four times the arrangement. 

This company is extremely unprofessional and does not care about their customers. I am attempting to get ahead, but this company makes it difficult to work with.

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 08-07-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me late.

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 10-05-2015 about Debt collection (I do not know) with Direct Recovery Services, LLC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received an email that told me that Direct Recovery. Org is intending to sue me for an alleged debt from XXXX, a company I have never heard of. I welcome a day in court, Where I live. I called and ask for them to send me verification in the mail and was refused! The email list 's an address in XXXX Ca. I have not lived in near XXXX Ca. since 2008.I am afraid that I will be sued without proper notice in a state where I do not live. Any debt incurred in XXXX ca. would be beyond any statutes of limitations, both criminal and civil actions, UNLESS i am not notified of any hearing, then a judgement is possible to obtain illegally.

Company response to consumer: Closed
Consumer complaint received 10-07-2017 about Debt collection (Credit card debt) with Gordon, Aylworth & Tami, P.C. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: It appears that one collection agency is attempting to collect for another collection agency, XXXX XXXX XXXX XXXX XXXX I have never personally borrowed from or have owed money to XXXX XXXX, only to credit cards which are not being named in the suit. I do n't even recognize the name XXXX XXXX. 

It has been over 15 years since the last time I made a payment to the true creditors in question, yet the attorneys and collectors of Gordon , Aylworth & Tami , P.C . continue to serve me with writs of garnishment, even though the Statute of Limitations has long since passed. As I and my family are living below the poverty level as it is, it would be impossible for me to repay this debt they ask for anyway. 

Knowing that the Statute of Limitations has long passed, I consider myself to be naturally bankrupt, as I can not afford to pay for the services of actually filing.
They say I owe {$15000.00}, though they never mention the name ( s ) of the original creditor ( s ), nor acknowledge that they have been hounding me for over 15 years. 

Please advise me and help me in any way you can to maintain my rights under the State of Oregon 's Statute of Limitations laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Taking out the loan or lease

Complaint: Car loan paid off in XXXX. Agreed upon a lump sum payment {$9100.00} after not missing XXXX payment from purchase date of XXXX XXXX, XXXX on a XXXX Kia Soul for {$270.00} a month. The difference of XXXX roughly was listed on my credit report as a charge off dropping credit score from about XXXX down to XXXX. Paid over {$17000.00} in less than 3 years on vehicle. I did not understand that a lump sum payment would be considered derogatory with the XXXX difference. I offered to pay the remaining balance when I found out. Account should never have been listed as charge off and now they reviewed and decided to make it a settlement ... which is what it could have been considered initially ... but after knowing the circumstances were not from any form of delinquency should be considered and reported in a different way. Please help ... these delinquent reports to credit agencies will hurt me far worse than me paying them the XXXX! I have offered and they would rather ruin my credit!!!! Single mom no child support paying every bill on time and just need what 's fair ... not asking for handouts. I was a loyal customer to Wells Fargo Dealer Services and they have just destroyed my credit without a second thought.

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 06-11-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.

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 11/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My original lender is XXXX. Countrywide Home Loans was my servicer. After XXXX declared bankruptcy, my loan was never legally transferred or sold. In or around 2011 Bank of America ordered the preparation of an Assignment from XXXX AS LENDER, transferring my loan to them. Now Bank of America claims to be my lender. The transfer violates common law agency, assignment laws and is clearly fraudulent. 
Please review assignment and determine whether or not transfer was legal. I believe I own my home free and clear,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MO).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX a check was written to Toyota motor company for payment. The bank was unable to read the check correctly and paid Toyota XXXX instead of the XXXX. We got a letter that said we were late and called and paid the balance. There then was another letter saying the XXXX had not been paid again ... They said payment did not go through. We again paid the balance. This is showing on my credit report that I have XXXX late payments to toyota on my credit. I attempted to resolve this with Toyota and they refuse to take it off my credit. They also reported this during a bankrupsy period which I did not think they could report. In any case this was all over the bank miss reading the check. Please help to get this off my credit report. thanks

Company response to consumer: Closed with non-monetary relief