milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Well over a month ago I requested a free credit report. After at least three weeks I received notification that Experian required additional information to process my request. I mailed the information back with a copy of the letter they sent me. I just received notice that Experian will not be producing my credit report because they " are not affiliated with the annual free credit report program. '' I am not able to contact Experian directly regarding this issue. Please sue the fecal matter out of Experian. Please fine Experian to the point of bankruptcy. Then ensure all Experian board members are placed in prison, for at least 10 years each. 
Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with STERLING INFOSYSTEMS INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon accepting the terms of background screening for employment purposes and request of a copy ; information provided in the consumer report proves inaccurate. The consumer report clearly reports information given that does n't match that of mines. Whereabouts of how the information was concluded are unknown given that no records are available to prove otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They call me on an XXXX # then tell me to call another # and say " This is a Debt Collector Trying to Collect a Debt ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/2013 XXXX accepted a settlement payment for a credit card acct. ending XXXX. The Bank sent me a letter showing payment and settlement in full, but they said my credit report will take 3 month to update this new info. except they miss reported the new info by showing that I sill have a balance of {$1100.00} instead of {$0.00} due to the settlement. there have been a dozen of phone calls made to their recovery department which is the department that made the settlement and issued and mailed the settlement letter dated in XX/XX/2013 in trying to resolve this discrepancy but the answer was always that it may take sometimes to update the credit report. It has been 2 years, and XXXX disputes with the credit bureau that always came back with the same results ( A balance of {$1100.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CO on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Debt collection (I do not know) with Critical Resolution Mediation LLC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I have tried calling back to the number that was given, and I asked what company they represent and they just hang up the phone. The phone number was XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Struggling to pay mortgage

Complaint: Because of the theft of my identity I no longer have a home. On XXXX/XXXX/XXXX Regions Bank allowed XXXX XXXX to transfer XXXX to XXXX XXXX XXXX XXXX. I received a settlement from a XXXX XXXX lawsuit in the amount of {$100000.00}. I set up two C/D 's in the amount of {$44000.00} each. The XXXX Family abused money from the department of labor to make payments on several mortgages. Regions Bank reported interest to IRS. Never contacting me from XXXX through XXXX when I learned my identity was being abused. Payments was being made to XXXX XXXX. I never provided these companies with Regions EDI or my online entries. My labtop was hacked into in XXXX all of my files was stolen. My home was broken into in XXXX when I learned my identity was being abused. XXXX XXXX and company amended and restated my tax returns from XXXX through XXXX. XXXX XXXX was employed with the company at that time. XXXX XXXX had a relationship with Regions and an account. She was the XXXX XXXX XXXX when I was laid off in XXXX. I was told she was going to fix it for me not to be able to get another job. She saw what the XXXX family was doing. Someone filed a tax return in XXXX and put the funds into the account I once had with Regions. The FBI told me to pull all of my tax returns. This is how I learned of this, the amount was five thousand plus. An exemption was used, I did n't have an exemption in XXXX. The amount filed was incorrect. There was no XXXX filed or XXXX for the department of labor. I never received interest statements, not for the C'D 's I had. Or mortgage interest statements or any fraud transpired, even though I did n't apply for the loan with XXXX XXXX XXXX. Regions reported this fraud to IRS. This is abuse of His Housing. I had a FHA loan, these people have property in different states using 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 05-07-2017 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never received a dunning letter from ERC. The only notification was when ERC reported the collection on my credit report and I received the alert via the credit monitoring program I am enrolled in.     I sent a certified debt validation letter  XXXX . ( attached ) ERC reponded  XXXX , almost  one month and 15 days later and did not validate the debt accord ingly . ( Letter  attached )

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone named " XXXX XXXX '' was calling my cell phone repeatedly. She then began to call my office phone repeatedly. She was harassing me, threatening to sue me, to call my payroll department, and cornered me into giving her a payment arrangement I knew I could not make. I explained to her I am a single mom, sole provider to my XXXX sons and she said I do not have a hardship. " More money more problems '' is what she said. She called me repeatedly since XXXX 2017. She called from various phone numbers. The original loan was from XXXX, who sold the debt to This company. This lady did n't tell me the name of their company. I only know it to be " XXXX '' as that is what shows up on my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: During a loan modification process, prior to having the partial claim document recorded by the county, [ over a year after I signed & had it notarized ] a Bank of America employee modified the document, crossing off the work 'subordinate ' [ as it appeared before the word 'mortgage ' ] several times from the document, without my knowledge or consent.

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 03-08-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Recently there have been changes to my Equifax Credit Report. I requested Equifax to mail me a new and up to date credit report. Equifax has failed to comply with my request. I am requesting Equifax to send me an up to date and current credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Debt collection (Medical) with Physicians & Dentists Credit Bureau (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: was improperly served summons was served to someone i did not know sent the company signed lease agreement for where i was living during service of summons still threatened to garnish wages offered 75 % sif or payment plan they refused

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I submitted an electronic withdraw payment from my XXXX account to pay my mortgage with Ocwen Loans. On XXXX XXXX, 2016 I received an email, on my bank statement, and electronic withdraw statement from my bank that the funds were withdrawn from my account and sent to Ocwen. Ocwen reported to me that they did not receive the funds until XXXX XXXX, 2016, making it 30 days late. Because it has been 30 days late, it is now showing on all three of my credit report. I talked to XXXX XXXX an escalation department manager. I emailed him documents that showed that the funds were sent and paid on XXXX XXXX, 2016. He talked to his accounting department, they reported to him, and he reported to me on my voicemail that they can not remove the 30 days late from my credit report. I 'm not satisfied with their decision, and I want the 30 days late to be removed from my credit report. I showed proof that this payment was paid in full by the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with ACADEMY MORTGAGE CORPORATION (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I never authorized Academy Mortgage company to submit an inquiry to obtain a credit approval. I submitted information for a pre-approval request. At the time my request was submitted, I informed the gentleman that I had security freezes on my credit files as I did not want any hard inquiries. Nonetheless, after carefully reviewing my credit reports, I noticed th  at an unauthorized hard credit pull was listed on my reports.
This company did not have authorization to obtain my credit information, which is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, ''. I have reached out to the company in which placed this hard inquiry on my credit report and I have been unsuccessful at getting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: In XX/XX/XXXX, I went to my local bank and closed my CitiBank Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report inXX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact Citibank to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. Citibank 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.

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 10-04-2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (AR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am being severally harassed XXXX times a day by Toyota financial on my car payment once it hits past due even before the 10 days. I have told them months ago that I would have to pay late due to financial hardship and was working on getting back on track and would never be 30 days late. Every month since I get repeated calls daily I have talked to 4 reps since and told them stop calling me and that I will, and or have scheduled the payment and what date I would pay. I just got off phone after calling Toyota today because they called me from an XXXX are code Illinois number at XXXX in the morning after my payment already processed in my bank and taken out money. Then I tell them not to call again and they call me right back after I told them I was recording the phone call. Also have a recorded conversation from the last guy who was very disrespectful. This company is relentless and causing me severe stress after I have explained my situation and my reason and when I would pay and they do n't care. I feel they have violated the FDCPA repeatedly. My picture screen shots show harassment even after payed and not even late. This is XXXX pages from just month of XXXX. Does n't count every single month my phone ca n't hold that much harassment

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: the following excerpt are from emails from the debt collector : Hello, Sir I think that was rude for you to hang up on me I was only trying to help you good luck. 
XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I did not hang up on you I am in a federal building and I do not get service in my office. 
Respectfully, XXXX XXXX. XXXX, XXXX You are calling me while I am at work also I am on Pacific standard time as I live in California XXXX you understand we have not heard from you since 3 years ago XXXX XXXX Account Representative USA Living XXXX XXXX XXXX | XXXX, VA XXXX I will still have to contact dfas if this is n't paid. 
XXXX XXXX Account Representative if I do n't have the payment back on your account I will have to forward your account back to my legal department to start paper work please respond. 
XXXX XXXX Account Representative

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed inquiries that were not made by me however I have not heard back from them experian,   XXXX   and  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MI).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX, XXXX. I received a special sales promotion paper to purchase a car at wholesale prices..I purchased a XXXX XXXX XXXX ... through XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX , Michigan ... ... one of my friends went with me and we were at the used car lot for 5 hrs on that Friday evening. Several false answers were given to us by our used car salesman that said the XXXX dealer across the street had nothing to do with this sale, also that my friend would not be a co-signer ... .my last question to him about the car purchase was, I am XXXX yrs older than my friend and if something happens to me they wo n't come after my friend for the money for the car, because he ca n't afford that ... I was told, " do n't worry, you have equity in your car.. My friend started getting all the mail regarding my car deal..approximately XXXX denial letters came with his name on them from various credit unions ... also the proof of auto insurance only had his name on it ... that is when a red flag went up in my mind that something was very wrong with the deal. I can not be put on my friends car insurance as a driver as I do not live in his household ... on the title we are both the car owners with him being # 1 the owner and me # 2 the co-signer ... he can not afford the car and I can not afford the price of the car insurance put in my name ... my friends car insurance agent told us there is no such thing as having " equity in my car '' I asked the right questions, but we were both lied to ... .if we give the car back, we both will have a repossession on our records ... .I am currently awaiting a call from Ally Bank to notify them of how this deal went down and can they help us in this current situation ... ... thanks for your attention ... ..

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