milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

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 12-10-2015 about Mortgage (Conventional fixed mortgage) with Alabama Housing Finance Authority (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I made the first mortgage payment XXXX XXXX for my first payment due in XXXX. I made the payment online with no issues. I then tried to make my XXXX 2016 payment the first week of XXXX online but XXXX XXXX XXXX, XXXX site would not let me. I tried several more times with no success. I then noticed that it was showing a " XXXX '' balance on the principal. I called the automated line for mortgage help and it stated it was payed in full, which I knew was not correct. On XXXX XXXX I called and spoke directly with XXXX XXXX XXXX personel. They advised me that my mortgage had been sold and they did not know to who but gave me a phone number. I called the number and learned that it was bought by XXXX. The person I talked to could not provide a date it was transferred and also said they could not find my XXXX payment. Later that day I was able to locate my loan through their website. I have never received any written, voice, or electronic notification that this had taken place or instructions on how to make my future payments. Also, now I find out that I will be charged to make payments electronically/online/phone. Now I will only be able to send a check to make a payment which I find very inconvient this day and time. My previous payment now shows on XXXX XXXX. I still have no notification of the transfer of the mortgage which I understand is required by law 15 days prior to the transfer.

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 Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Other

Complaint: I have a credit card through Wells Fargo for XXXX Flooring. I made a promotional purchase for slightly over {$3000.00} with a 12 month no interest promotion. In XXXX 2016, I owed {$130.00} for that promotional purpose. That promotional balance is due by XXXX XXXX, 2016. On XXXX XXXX, 2016, I made a separate {$2000.00} promotional purchase under a 12 month no interest promotion.. I made a {$130.00} payment on XXXX XXXX, 2016 which would have paid the initial promotional balance in full. Wells Fargo has applied over {$120.00} of that payment to the later {$2000.00} promotional purchase and is now demanding an additional {$120.00} payment by XXXX XXXX, 2016 to avoid being charged interest for the entire initial promotional balance. Is there any legal recourse against this flawed allocation of payment to a later promotional balance which will force me to make an additional {$120.00} payment above my {$130.00} payment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Consumer Loan (Vehicle loan) with EXPERT GLOBAL SOLUTIONS, INC. (GA).
Issue: Managing the loan or lease

Complaint: System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pinnacle Credit services purchased an account from XXXX XXXX and has XXXX trying to collect on an account that is from XXXX that I paid to XXXX. Pinnacle Credit XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact XXXX XXXX XXXX who told me that the account was sold to Pinnacle Credit Services on XXXX/XXXX/XXXX. Pinnacle is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had an issue paying my property taxes and called Wells Fargo Hime Mortgage to discuss the issue in XXXX of 2015. I was given the option to setup an escrow account with a 5 year repayment which truly would help my situation and be something I could afford. A couple of weeks passed and I did not receive any correspondence. I called again and was assured that it would be handled. A couple of weeks passed after that and I called again and was told a third time this could be done. A few weeks after that, I received a statement requesting repayment of the escrow in XXXX payments. They had paid my taxes and presented me with only a XXXX payment repayment plan without asking if this was ok. I had other means to partially pay my tax arrears and would have done that. They made a decision without asking me and now I owe them $ XXXX and this would raise my monthly bill by over {$1000.00}. I called back and was told the rules changes and they could not offer a 60 month repayment. Now my mortgage payment is very expensive and they have told me I could look into XXXX to lower my payment. This is not what I wanted to do. I am upset with the process because I was told what my options are picked an option that suited my budget and then they pulled the option saying it was no longer available. If the process was completed when I originally called in 2015, I would have the plan I requested, but Wells Fargo has no regard for their customers.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy disputed on credit report. Submitted dispute, company advised the bankruptcy is valid. Contacted the court and credit report agency never submitted an inquiry or validated the bankruptcy.

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 05/28/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Taking out the loan or lease

Complaint: I own a XXXX XXXX XXXX. In XXXX I had my vehicle broken into and my XXXX stolen. In the the case I had XXXX titles to vehicles I own. I was doing some XXXX business earlier that day. The titles were for a XXXX XXXX truck, XXXX XXXX XXXX, XXXX XXXX XXXX. I reported the incident immediately to the XXXX XXXX Police Dept. XXXX sent a uniformed officer to take the report as well as XXXX technicians to process the scene. I was contacted by Wilshire Consumer Credit a few months later asking me for payment on a title loan for the XXXX XXXX. I explained to the representative I had never taken out a title loan and the vehicle title had been reported stolen. The rep then transferred me to their Legal dept so I could be relieved of any obligation. ( so I thought ) its now XXXX XXXX after sending countless documents that were requested ( Identity Theft reports, police reports, credit reports, Drivers Licence ... ... Wilshire consumer credit has no only neglected to address the matter they have reported the charge off to my credit report of over XXXX dollars they have refused to release my title by giving me the Run around, Lied constantly about giving me the title back and removing the bad credit mark. I 've spent XXXX on lawyers that have written demand letters. I have correspondence from Wilshire Consumers XXXX dept to my attorney stating they agree that I have no liability in this incident and will resolve the matter in a few days. It 's been months and years and still no resolution. This is my last effort to get something handled before I spend thousands more suing Wilshire Consumer Credit for my property and damage to my credit report. Please Help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Consumer Loan (Installment loan) with BlueChip Financial (FL).
Issue: Problems when you are unable to pay

Complaint: I took out an online loan from Spotloan last year 2015 when I had a job. They were taking payments out every 2 weeks from my bank account. I lost my job and my bank closed my account. I am not seeing the default on my credit report. I received a threatening phone call yesterday from a guy named XXXX XXXX who stated he was with some liason company and that they were serving papers on the XXXX of XXXX and I needed to be home or at work between XXXX. I needed 2 forms of ID and that if I did n't comply, I would go to court and jail. Gave me a phone number to call with a reference number. Was very rude and hung up. I called the phone number he gave me. The man stated it was from a loan i took out last year from Spotloan. He said I owed them. First he said XXXX, then he said XXXX..ONLY to be paid by CC. I looked up the number and it said NO number found that it was probably from XXXX. XXXX. That was the XXXX guys # ... the other one is XXXX. I do n't appreciate them THREATENING me like that!!! How can they serve me papers? I thought the courts had to do it. And I looked on my court records. Does n't say anything about being served. What can I do? It 's not on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Making/receiving payments, sending money

Complaint: fradulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I initiated a dispute online with Trans Union. There were several items that were paid and not showing correctly and XXXX items that were paid to the hospital and should not have been reported. Once I received the investigation results the XXXX items that should not have been report were listed as Verified and Not Updated. I called the issuing company and they confirmed that they reported to the Credit Bureau that those accounts did not belong to their company and to contact the original creditor. They sent me a letter stating that as well. I then contacted the Hospital ( original creditor ) they confirm that the account was satisfied. I called Trans Union XXXX to get a better understanding. Today being the XXXX call. I spoke with the initial rep who was having computer problems as was the case XXXX days before. I requested a supervisor who was also unable to help me and requested again that I call back at a later time. I do n't understand why the information was not removed from my credit report. If the creditor did not verify it as their account why was it not removed. I would like the XXXX items removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For most of my life, I 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and the negative source who is saying. And to keep responses and when it was sent.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.

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 07/29/2016 about Payday loan () with AmeriCash Holding LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Excessive over 700 % I keep getting calls from live person or robocalls saying I owe money # XXXX I received over 30 call from two mos ago I told them to stop but still calling

Company response to consumer: Closed
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (AP).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: this account has been removed from the other  XXXX  bureaus and reporting negatively please remove as it 's blocking me from receiving further credit

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 07/27/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing/Cancelling account

Complaint: For the past year or so I have had a AAA/Bank of America Rewards XXXX card. Recently, since I was overwhelmed by credit card payments, I made a loan against my retirement account and paid off my BofA card. The day after that, I went in to see whether the payment was recorded, and could not log in. When I phoned them, they told me they had closed my account due to payment history of not paying my minimum payments. I had not been able to set up online bill-pay with them because I did not have a Bank of America bank account, and they kept telling me I needed to submit signed affidavits from my bank that my business bank account ( which is IN my name ) was really my account. So online banking never happened. So I was reliant on payments in person - and sometimes I could n't get to the bank on time so my payment was 1, 2 or 3 days late. That is their rationale for closing my account. I am most concerned about my credit history showing that despite paying off my balance to Bank of America, the account was closed involuntarily the day afterward. I was going to cut up the cards anyway, but the fact is this will worsen my credit, and I would like to stop that from happening if I can.

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 02/19/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: They have n't validated my dipute, they keep saying verified

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This payday company has been calling and sending emails to my sister, XXXX, despite of repeated information that my sister had a XXXX. 

They threatened to : 1. File information relating to your bad debt with a credit reporting agency, which could result in your inability to conduct business with other short-term lenders, write checks to retailers or merchants, or open checking accounts with banks. 

2. Refer or sell your past due account to a third party collection agency. Be advised, the third party who obtains your account, may in turn, undertake further collection efforts against your, including such legal action as may be permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Auto) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Last week we settled a debt with the law firm, XXXX , XXXX XXXX XXXX XXXX, XXXX. They represented Huntington Bank in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-

Company response to consumer: Closed with non-monetary relief