milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (FL).
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: My son was admitted into the XXXX twice this year back in XXXX and XXXX which caused me to miss work and fall behind on my credit card. I have called CONTINENTAL Financial co and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.

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 06/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by XXXX XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent in a copy of the police report from XXXX XXXX attesting to the fact I did not authorize anyone to open a XXXX Bank XXXX in my name. Experian, XXXX, and XXXX all agreed to block it. As of today, Experian has yet to do anything. I demand that this account be blocked in accordance with federal law.

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 10-09-2016 about Debt collection (Credit card) with Second Round Limited Partnership (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I received paper work from my place of work that I had a wage garnishment. I looked over the paper work and the creditor sued me in XXXX XXXX county. I have never received a letter that I was being sued, and I never lived in XXXX XXXX county nor did I take out the credit in that county. I have always lived in XXXX county and took out the debit in XXXX county.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax gave my personal information ( social security number, name, address, etc. ) to hackers through their blatant negligence. As a XXXX XXXX, I can say with high confidence that literally any basic measures they could 've taken to prevent this were not taken. In addition, they are trying to put language in their " remedy '' to prevent people from suing them for their negligence. They are in charge of helping to determine my livelihood, whether I can buy a house, buy a car, get a job. And they ca n't be bothered to have basic security measures in place? Unacceptable. They should be held liable for any negative consequences that result from their gross negligence. The language in their terms of service attempts to prevent this. The act of trying to get people to get to agree to that document should, in and of itself, be a crime. But they have more lobbyists and lawyers than I do. So, I 'm not hopeful that even minor penalties will be imposed upon them. Regardless of their irrefutable damage to hundreds of millions of honest, hard-working Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX / XXXX / 2017  : I went onto the  XXXX  website to purchase several dresses and  2  blouses. According to the website, I have a {$400.00} credit line that shows as an active available credit line. But when I tried to make the purchase, I got a message to call customer service. I was told despite my {$400.00} credit line, my card was blocked due to inactivity. I was told that the block could be removed with no problem. But when I was transferred to the credit dept. I was told that they could not reinstate my credit line because Comenity B ank, ( the Bank ) reran  my credit report & would not reinstate my credit line. I called Comenity Bank whose representative said the same thing. To date when accessing  my   XXXX  account it still shows up as an active credit line of {$400.00}. I was never notified my card and my account was in inactive status. As a  XXXX  woman, it is already difficult for me to purchase clothes in my size and this store is one of few stores where   XXXX   women can purchase clothing that fits. I am very angry & upset that this occurred & want my account reinstated with my full credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with Kingston Financial, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX or XX/XX/XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XX/XX/XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from XXXX XXXX XXXX who claimed to be representing Pyramid Acquisitions. This is probably the 40th call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " Pyramid Acquisitions '' got this phony debt.. .nor do I know how XXXX XXXX Solutions of XXXX , South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.

Company response to consumer: Untimely response
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (IL).
Issue: Problem with additional add-on products or services

Complaint: First let me say I 'm a member of the Armed Forces for this great country & take a huge pride in protecting it but I 'm totally against people being taken advantage of. I obtained a loan through this company & made payments on time. Shortly after I spoke with customer service & asked if i made a large payment could it be forwarded to future payments so I would n't have a payment due for about a year, they informed me that this was okay for me to do so I made the large payment. About a week after making the payment I checked my account status online & yes it stated that I indeed do n't have a payment for a year. 6 months down the road I get a notice about a payment being due so I called in & explain the arrangements that were made & they told me that it was a mistake & payment was now due. Of course I 'm furious, the rep advised me that they would escalate the issue & someone would call me back. I even had the rep look into my payment schedule & he agreed that he didnt know why i have a payment due when the online payment schedule even states that its not due for another 6 months. When a higher up called me they informed me that my payment was past due & a mistake had been made, i even looked online & behold they had changed that status to reflect that my payment was now due instead of the aformentioned 6 months. I 'm on a fixed income & ca n't afford to be swindled out of my hard earned money. This company has even reported negative marks on my credit report. I want this bad report removed from my credit profile. I 'm already considering contacting the local media about this issue in addition to letting all my family, friends, & co workers know what kind of business practices Avant is in to!

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am entitled to a 'free ' credit report from each company. I may have answered XXXX question for the Experian verification incorrectly concerning the XXXX XXXX -I had owned XXXX for several years- I 'm not sure. I did answer questions correctly for Equifax verification and it also indicated that for my protection the site was unable to provide the report to me online & if I want it I need to submit the form by mail. I did n't do the last company because I need an answer quickly. I will call but I do n't understand because I gave correct answers to the XXXX verification request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have provided a police report and hospital documents that have proven I was in the hospital and that my credit was stolen, someone has my drivers lisc and social security number and using it inquiring credit and lots of stuff on my credit is not mine. I have no choice but to file a law suit against all XXXX credit companies. I need your help there hurting mt credit bad.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Credit line increase/decrease

Complaint: Chase phone XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX had no right to decrease my available credit and pull a credit reportOn me or can they periodically check? I have never had that happen to me in XXXX years, always paid them on time. They said my balance was high. So what? It 's not over the limit, from {$1500.00} avail credit and they lowered it to {$330.00}. Limit from {$8000.00} to {$6600.00}. Very very upset what are my rights? And they are so bad with my profile ca n't find any past accounts which I paid off because needed the account numbers. I have another card with them feel they will do the same. Very upset because what if there was a pending purchase before their act was done and NOW I 'm over the limit? Unbelievable ... .XXXX XXXX, 2015 XXXX consumer in Hawaii ( at the mercy of THIS creditor )

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Currently, my loan is being serviced by Ocwen Loan Servicing , LLC . I obtained this mortgage prior to XX/XX/XXXX. I tried several attempts to qualify for a loan modification but recently my circumstances changed because my husband and I decided to file for a divorce and I do not make the same income as I use to. Next, I decided to list my property for a short-sale and found an approved buyer for my property. I completed the XXXX request for relocation assistance and became aware that any short-sale that closes after XXXX XXXX, XXXX and its was the homeowners primary and only residence, that the would be entitled to the {$10000.00}. I went on the Making Home Affordable website to confirm this and saw that I meet all of the criteria to be eligible for the XXXX funds. The website states the following : You may be eligible for HAMP if you meet the following criteria : Because of a financial hardship, you are struggliing to make your mortgage payments. 
You are delinquent or in danger of falling behind on your mortgage. 
You obtained your mortgage on or before XX/XX/XXXX. 
Your property has not been condemned. 
You owe up to {$720000.00} on your primary residence or XXXX unit rental property ( loan limits are higher for XXXX to XXXX-unit properties ). 
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction. 

However, Ocwen is now stating that if there is a scheduled sale date within 60 days, that the homeowner is no longer allowed to receive the {$10000.00} and any government assistance. We have been working with this qualified Buyer since XX/XX/XXXX and we submitted all documents timely ( within 90 days of the sale date ). Now, Ocwen is denying me consideration of the XXXX funds even though they had a completed package more than 80 days from the sale-date. I spoke with other lenders and this is not the case. I believe that Ocwen is not only doing this to me but also doing this to numerous homeowners who really need government assistance which is what the program was designed for. I am requesting for the Consumer Financial Protection Bureau to seriously investigate the current practices of Ocwen because I believe they are in breach of helping struggling howeowners who legitimately need assistance. Thank you for you time to help assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX XXXX 2016 -- & gt ; YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and TransUnion GAVE NO FREE REPORT. IN FACT CHARGES A DOLLAR AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.

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 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ. 

XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy. 

XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call. 

XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint.

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 03-02-2016 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I signed up for nationwide biweekly mortgage payment plan. This is a service provided to reduce the interest and length of my mortgage. There is a fee taken for this service initially equal to XXXX payment. I received a letter that they are no longer able to service my, or any, of their customers mortgages. I have received no reimbursement, no reply by phone. It is as if they have vanished. The phone number to call is an automated message with no operators

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquires on my credit report that I did not authorize. Hard inquiries such as : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ),  XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries.Fraud alerts has been put in place with the credit reporting agencies. Identity theft has also played apart in hard inquiries and accounts. Accounts such as XXXX, XXXX, and XXXX. Letters were sent to all three agencies requesting debt validation for those three account, I have not received any response regarding my request for the hard inquiries and accounts to be removed from my credit report if they are unable to validate debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (OK).
Issue: Making/receiving payments, sending money

Complaint: We bought a certificate of deposit in the amount of {$250000.00} from www.eloan.com and instructed them to send the interest each month to our local bank. The first payment for the period ending XXXX/XXXX/2015 was added to our account with them.They now say that they can not send that interest payment to our local bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I cancelled a cell phone contract through XXXX wireless. They had informed me that I would owe an additional month of service and I requested that they send me a statement of my charges to keep for my records because I did not agree. I was told that I was no longer a customer so I would not be able to obtain a statement. Since then, XXXX separate debt companies have purchased this account, most recently Diversified Consultants. I spoke with a representative from Diversified consultants on XXXX XXXX, XXXX and requested proof that I owe this balance of {$150.00}. I was told that since the account was so old that proof of the debt would not be able to be obtained. I was then forwarded to a supervisor 's voicemail by the name of XXXX. I left him a message but still had not received a call back as of XXXX XXXX. 
I called Diversified Consultants again on XXXX XXXX, XXXX to follow up and was told that a request had been made to XXXX XXXX Collections, but they are unable to do anything for me aside from offering me a settlement. I asked that until the requested documentation is provided that Diversified Consultants stop negatively reporting against me to the XXXX credit bureaus. Again, I was told that there was nothing that could be done for me and if I had a problem I would have to report it myself. I also asked what the company policy was regarding lack of documentation. Specifically, I asked what would be done if the paperwork I requested was not available after thirty business days. I was told that they could not predict the outcome of the documentation, which directly contradicts the statement they made two weeks ago about not being able to obtain the documentation. The representative then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: The company  XXXX   XXXX  sold my mortgage to several debt collector without notifying me about my mortgage. I got phone calls fr om Bay View saying that I was behind on payments. I did n't know who Bay View was   and I could n't understand what their representative was saying as she would talk to fast. They wanted to know when I could get caught up on back payments. I went into  XXXX   XXXX  to find out what was going on.  XXXX   XXXX  told me that they were not going to do mortgages any more.  Bay View sent letters wanting to know when I could make payments, they would call late  at night (  XXXX  ) .There were times that I could not understand what their operator would says, at times she would say baby view, demanding that I pay up at once. I 've tried to te ll Bay View th at I could n't make the {$540.00} dollar payment as I have other bills to pay.  Bay View wo uld send letters almost on a weekly bases sometimes I would get  XXXX  letters the same day. Phone calls would be rude and very demanding to the point where they said that they would start foreclosure on the house. When they said this I immediately went down to talk to a  Lawyer.

Company response to consumer: Closed with explanation