milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2018 about Debt collection (Credit card debt) with Atlanticus Services Corporation (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX is a creditor for XXXX XXXX. This company did not send me any billing information. I reached out to XXXX XXXX several times and they were unable to provide with the information of this creditor, XXXX. I have a XXXX XXXX card with XXXX as a creditor and that is the only information they had on file. When I finally received a call from someone in another country they told me my purchase for {$77.00} was now {$220.00}. I confirmed all my contact information and advised them there was zero attempts to make me aware of this bill, even after I reached out to the store. The representative apologized for the inconvenience and stated if I paid the amount of my purchase she would waive the fees and correct my credit as a result of their error. I agreed to pay the amount of the purchase I made plus a processing fee. I paid {$80.00} on XX/XX/18. I have since received a bill with the same past due amount and my credit is still being impacted. This company has broken FDCP law in place to protect consumers like me. I find it odd how only after I made a payment to someone did they actually send a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed 2 public records with Equifaxfor 7 months now and they are reporting information that clearly is not correct. Each month I send a copy of the public records page of my credit report that proves that are reporting a court name that is invalid along with other information such as filing dates that DO N'T EXIST and they do nothing to assist me! Here is the information that I am disputing and I require that they remove this obviously inaccurate information : XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$0.00} when you are reporting this as {$26000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$XXXX} when you are reporting this as {$43000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX XXXX shows an open date of XX/XX/XXXX Equifax shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX shows 180m Equifax shows 15y and XXXX shows 10m XXXX/Equifax/XXXX show no high balance, no type, no monthly payment *This account shows that it has not been updated since XX/XX/XXXX! This means that you have not investigated this account whatsoever and that you are in violation of the FCRA! 
No payment history is listed No high balance No monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with MILLENIUM HOME MORTGAGE LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: We were the potential buyers for a XXXX at XXXX XXXX XXXX. We have been mislead and deceived to believe that we would receive a commitment letter from a specific broker, XXXX XXXX, at NJ 's Millenium Home Mortgage - NMLS ID # XXXX. This led to us breaching our contract due to the time limitation on when we had to receive the commitment letter. On multiple occasions, reassurances were given that the process would be adjusted and the letter would come. Emails document these events. Most notably, the day we were told we would get the letter and that the lender approved our loan, XXXX calls to ask for a credit score. That was the final event that led to this complaint.

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 01/21/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I mailed to Wells Fargo a Error Resolution Notice under 12 C.F.R. 1024.35. I received verbal acknowledgement from Wells Fargo that errors have been made on my account. I was advised by Wells Fargo that I would receive written confirmation of the errors including that the errors have been corrected. I have not received written confirmation. On XXXX XXXX, XXXX I mailed Wells Fargo a request for a complete account history of my mortgage. As of XXXX XXXX, XXXX Wells Fargo has failed to provide the information I requested. On XXXX XXXX, XXXX I mailed Wells Fargo an additional letter. I advised Wells Fargo that I have not received an acknowledgement of the errors made on my account concerning the Error Resolution Notice. As well as advising that I have not received the information I requested on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I have not received from Wells Fargo a letter acknowledging errors made on my account ; if the errors have been corrected ; nor have I received a history of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A creditor must be reporting my current address as the house I lived at over a year ago. Each time that previous address gets updated, I have to file a dispute with Transunion to get them to change it back to my correct address. I contacted Transunion initially in XXXX to simply ask them who the creditor was, so that I could get that creditor to update the info. They told me they did not know who it was. Given the plethora of electronic information available, I believe that they simply are not interested in going through the process to find me the answer. When they told me they did n't know, I asked for a supervisor, who sent me a letter dated XXXX/XXXX/16 that he told me would have the info I needed. It did not-and I 'm sure he knew it before he sent it. After the issue happening again more than once in the last week or XXXX, I called again today, XXXX/XXXX/16. I was given the same answers, except this time I asked for the supervisor 's supervisor, who is located in the US. Not surprisingly, they disconnected the call before I talked to anyone in the US. Hence, I am turning to you for help.

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 07-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My loan is from XXXX XXXX XXXX XXXX, CA for a XXXX XXXX XXXX XXXX certificate back in 2001. I could not do the XXXX required to get certified after completing the class. I was working full time single head of house so going parttime was not an option. I could not attend a XXXX offer for 4 hrs a day for a month to complete my certificate so I could not become a XXXX or XXXX. I however paid {$1000.00} cash and a loan for the rest like {$4000.00}. I have tried to make payments of {$50.00} as agreed upon a long while ago. I however was called by a lawyer who told me they could get 65 % off my loan amount removed ( I have 2 different loans totaling {$13000.00} estimate ). The cost was {$150.00} a month and could take 18 to 24 months. I went with them and they told me I could stop paying on my loans until it resolved if I chose so I stopped paying. I was told I would not get harassing calls by the lawyer but I still did every day sometime twice a day. After about almost 6 months I said forget it and dismissed the lawyer and began paying on my loans. By this time they said I went over my 260 day before it goes into default but I think I am a few days short. They would not hear it they just kept talking garnishment of my pay check. I had to agree to make large payments of {$310.00} on one ( XXXX ) and the Navient/XXXX of {$370.00} that I fell is a whole lot leaving no money for my other expenses. My big concern is with Navient who said they sold the loan to XXXX and that I was in default. I got a bill from Navient last month that says my payment is {$50.00} due in XX/XX/XXXX and when I was making payments to them I called and asked if I was behind on my payment and they said no. I am confused why they say I am ok but this XXXX said I am in default and set me up with these large payment that I had to agree to or have my paycheck garnished. I want to go back to paying my regular payment and be taken off the default list as I am not according to Navient in default. My name is XXXX XXXX and my contact phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent an official complaint letter that arrived at the destination on XXXX XXXX addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX attorneys for Experian. It has been more than 30 days as you can see from attached tracking, my complaint letter arrived at their office on XXXX XXXX. 
Pursuant to 15 U.S. Code Title 15 CH 41 Sub Chapter III 1681i ( a ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The accounts should be removed at this point due to Experian 's failure to respond within 30 days.

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 10/25/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have submitted two letters to the credit bureaus asking them to verify a collection I found on my credit report that I do n't recognize and I have n't gotten any responses. I have no idea what this company is or why it 's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XXXX and paid in XXXX. It 's being reported on my XXXX and Equifax report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with Well Fargo Home Mortgage. During the course of the loan, I went through a Loan Modification program. Wells Fargo had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. Wells Fargo is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by Wells Fargo . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted Wells Fargo several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my 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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 I was to go to XXXX, Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is XXXX XXXX XXXX XXXX XXXX. I was on my way from XXXX, MS to purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and XXXX could pack his desk and leave. My son XXXX then called me and told me to turn around they did not want my business and I asked to speak to XXXX the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit. I then come home and checked and sure enough on XXXX XXXX 2017 they checked my credit without my consent or signature. There are several hard inquiries on there now from XXXX XXXX 2017.  I then contacted the XXXX XXXX XXXX after they did n't want to speak with me on the phone, and no one returned my call. XXXX had tried two attempts to resolve the issue, they did n't respond and I received an email on XXXX XXXX 2017 advising no response and this negative information will be reported for three years for XXXX XXXX  XXXX XXXX XXXX of XXXX, Florida. I just purchased a car at the current company my son is a XXXX at and seen there is still the ones from XXXX XXXX 2017. THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... .... XXXX Logo XXXX XXXX 2017 XXXX XXXX Re : Complaint # XXXX - XXXX XXXX XXXX XXXX XXXX In the absence of any response from the company to this complaint despite our two requests to them, we are closing our file on this complaint. This unanswered complaint will become part of the information we report to the public on this company for the next three years. Should any government agency request our files on this company, your complaint will be included. If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate. Thank you for using XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not received ANY communication in writing from this company and have NO idea what they continue to call me for. They call my home ( fax line ) repeatedly at all hours of the day and evening, and I sent them a letter in writing yesterday asking them to not call again ( the form letter for fair debt collections act ), and they have called twice since that was delivered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Credit reporting () with LEXISNEXIS (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. 

In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. 

Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (WA).
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 XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting 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.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Unsolicited issuance of credit card

Complaint: Found out that JPMORGAN CHASE BANK has issued XXXXcredit cards to someone in my name and the cards are charged off and no information has been giving to me about the application which I did not apply for.

Company response to consumer: Closed with explanation