milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize any of the inquiries listed below please remove immediately XXXX XXXX Co Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XXXX XXXX XXXX + Bankcard XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX Inquiry from XXXX XXXX XXXX + Mail Order XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Bank XXXX Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXXl XXXX, XXXX. 
Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Credit Unions XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Complete Dept. Stores XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX 
XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, New XXXX 's XXXX XXXX from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX 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 08/21/2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (GA).
Issue: Managing the loan or lease

Complaint: I paid my car loan off with SunTrust bank in XXXX 2014. To date they report to XXXX that I owe them & XXXX. They mailed me a lien release letter & I have title to the car! They insist their records are accurate. I 've been fighting with them since XXXX, personal visit to bank, phone cal mail & fax letters! I just received a letter today stating my account is being reported accurately. Help, this is lowering my credit score! I'am at my wits end. XXXX removed this from my file, XXXX is still showing {$11000.00}! Help please, I 've paid dearly due to the real estae crash & I want this cleared up. Thank you.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 hard inquiries on my credit report dated XX/XX/2017 and XX/XX/2017 from " XXXX XXXX ''. I don't know who this company is or why they ran my credit twice.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My XXXX saving account was levied by win law group, XXXX receivable went to court on judgement and XXXX XXXX XXXX bought the debt from??? XXXX XXXX is original debtor. the debt is old, over 7 years old and it is not on my credit report. I was not notified at all, I have been at new address 4 years, they say they sent notice to my old address. I have been at same job for 17 years. I have had same phone # for many years. I am XXXX XXXX XXXX. They took all my life savings, XXXX dollars. Is there help for me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: RoundPoint Mortgage Servicing Corp was servicing my mortgage for my condo. In XX/XX/XXXX they decided that I needed to have an Escrow account set up by them and a they also set up forced hazard insurance, even though I already had hazard insurance through my association. Beginning XX/XX/XXXX they billed me for an addition $ XXXX/month on top of my mortgage. I chose to refinance and get rid of them because they were not working with me and after having shown them proof of Hazard insurance they still wanted to force their policy on me. At the time of the refinance they set up an overdraft on my account and paid themselves {$2900.00} for the force placed insurance. I have received " Notice of Forced Placed Insurance Cancellation '' from RoundPoint, stating that " there was no lapse in coverage '', and a statement saying that " the full reimbursement for the force placed policy will be credited to your account ''. The overdraft was debited back in XXXX, I have called Roundpoint and asked for my money back and they have no response for where the money they took went. On XXXX XXXX, I called their customer service department for a fourth time and spoke to a supervisor named XXXX ( ID : XXXX ) and he said he would call me the next day with a response. I called exactly a week later to ask why he did not call and to ask if they had found the money. This time he refused to talk to me and said it was being " researched ''. I have felt manipulated, lied to and stolen from by this company.

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 05-08-2016 about Student loan (Non-federal student loan) with Windham Professionals, Inc. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am about to get garnished through a company where i have sent in all my documents so they can not garnish me. But they are sending me to fake websites like its the federal government loans but its not. Its fraudently sending me to a website like its the federal student loans and they are not. I asked for a hearing and have not received one just more threatening letters about garnishing my money. I can not afford to pay them right now i am trying to get back in school but the way they are treating me without working out any payment plan nor would they allow me to add them to the consolidation loan which i am waiting on answer from them and its been over 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: This company keeps sending statements and request for payment to an address that I have never lived at nor do I have an business with. They are doing this in spite of notification and a formal complaint in 2015. This causes embarrassment and makes my personal information available to any person that gets the mail at this address. Ditech has been notified and the consumer credit reporting agencies have been notified in writing that this address is a public building and has no association with me nor should my private information be sent to the address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

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 09-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Deposits and withdrawals

Complaint: My bank was served with a " notice of garnishment '' for my parents. My bank withdrew all of the money from my checking account instead. I live in a different state than my parents, and I had to work with that state department of revenue to reverse the garnishment order in a case of mistaken identity. My bank then charged me a " non refundable processing fee '' of {$120.00}. I brought this up with the bank, and painstakingly worked my way all the way up the the head manager of the main branch bank in my city. In my meeting with them, they said they would remove the fee if they could, but even as the main manager, they were not given the ability to remove the fee because the charge came from the banks " legal department ''. I would have to take it up with them. I asked them for the contact information for the legal department, and the manager said, 'There is no phone number for the legal department. ' So essentially I was charged {$120.00} for my bank wrongfully taking money from my checking account in a case of mistaken identity. : -/

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 10/27/2017 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: Personal information incorrect

Complaint: I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: Over the past few years I 've been disputing an outstanding collection on my credit reports with  XXXX  and equifax. The situation is i purchased a cellphone from  XXXX  through   XXXX   XXXX    XXXX   0f 2014. I  was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to  XXXX . Down the line a receive mail stating I owe  XXXX   XXXX   XXXX  for something that i returned and do not own. I returned to best buy to get a copy of the retiring receipt which i forward to the collection compa ny (   XXXX   XXXX   XXXX  and the  Reporting age ncies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (AR).
Issue: Loan servicing, payments, escrow account

Complaint: This is a emergency, I have been trying to make payment on my loan since XX/XX/XXXX, USBank said loan was turned over to foreclosure, and they gave me a lawyer name, they did Not have the account, they did not receive the account until XX/XX/XXXX, they mailed a letter on XX/XX/XXXX, I have since been calling to pay, and now they have sold the loan, bank bought it!!! I have been trying to pay this and it has been a nightmare, now they have a real estate company trying to sell my property, also from the time the attorney recieved the foreclosure to the sell was less than 45 days. I need help saving my son 's home! We mailed documents for the bank to mail info to my house, and to call me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Delinquent account

Complaint: My XXXX XXXX credit card was originally with Capital one and then sold to XXXX. My credit card was never late. I always paid on time. They are reporting it late on XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the on XXXX late on XX/XX/XXXX and late on XXXX XX/XX/XXXX. I tried to settle this with them and the credit agency 's but nothing has been corrected.

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 04-05-2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeated phone calls by XXXX XXXX XXXX requesting payment of student loan debt. Last phone call was on XX/XX/2018 at XXXX pm, PST and asked to call back to 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 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They keep calling me and threatened me that they will sue me for the funds I owe Sharing my personal info to other people

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 04-09-2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: In  XXXX     2016,  I recently fell into some unexpected financial hardships. I was trying to take care of myself and my mom. I became delinquent by some months with my mortgage. However, at the start of the year I began making as many payments as I could to catch up. I explained this to the lady I spoke with, but it did not do any good. I am looking to get help from Maki ng Home Affordable co unselors. I would like to know where the money is that I sent to Nationstar Mortgage in  XXXX , Texas. I have not stopped trying to make payments even if it was something to send to catch up the balance. Now, they are threatening foreclosure. Please help.    XXXX  Serviced by Nationstar Mortgage  LLC,  a subservicer for  XXXX   XXXX  Number  XXXX  Interest Bearing Principal Balance  XXXX  Interest Rate 3.750 % Escrow Balance  XXXX  Amount past due {$4000.00} - This amount has been paid. I am just working to catch up the first few months of the year.   I have also contacted the VA for assistance and nothing. No one is willing to help me out. I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Debt collection (Private student loan debt) with Account Control Technology, Inc. (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Contacted by Account Control Technologies in XXXX of XXXX. Informed them not to contact me at my place of employment and to email or hard copy mail all correspondence to my residence. They called a few days later at my place of employment even after being informed. Spoke with several representatives including XXXX XXXX, XXXX XXXX, XXXX XXXX. Found that they had an incorrect address for me and I had not received any documentation prior to this contact. They had " XXXX XXXX '' instead of " XXXX XXXX. '' Never received any documents prior to this phone call. Signed rehabilitation agreement on XX/XX/XXXX. Signed for them to auto draft my checking account on the XXXX of each month of {$5.00} for 9 months. Emailed copies of 2 paychecks on XX/XX/XXXX as per their request. Requested an amended letter stating the actual amount due two times via email and have not been received as promised by XXXX XXXX. Their letter reflects amounts including a charge of {$2400.00} collection fee and a charge of {$520.00} interest fee. Was informed in writing via email on XX/XX/XXXX to not contact me via phone but by email / letter only. Resent paycheck copies on XX/XX/XXXX. Was informed that all collection calls, tax refund offset would not occur, etc. and credit reports would be updated showing payments if payments were made on consistent basis. Which they have been since XXXX. Contacted ACTS on XX/XX/XXXX, XXXX found they did take my XXXX tax refund of {$4900.00}. They also took XXXX refund of approximate {$6000.00}. Was bounced around to four different representatives, given the run around and told I was misinformed of the agreement. Also, XXXX XXXX was completely unprofessional and threatened to contact my employer to garnish my wages. A man by the name of 'XXXX XXXX contacted my boss on Tuesday XXXX XXXX, XXXX and left a voicemail which we have a recording of. This company is fraudulent, harassing and dishonest. All communications have been documented. I refuse to speak to them anymore via telephone. XXXX XXXX also informed me that sending an email is a courtesy?? After researching this company have found many complaints on these same issues and more. They need to be investigated thoroughly. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage account with Ditech for non-owner occupied dwelling. Property management firm pays mortgage on my behalf. 
XXXX payment received XXXX. Ditech mis-applied payment to another account mortgage company also pays on behalf of another client. Ditech attempted to call me starting XXXX, unfortunately I was on business travel and unavailable. Connected with Ditech on XXXX. After several phone calls Ditech agreed to their error, reversed late charges and corrected account. On XXXX Ditech contacts me again with another claim account past due. XXXX check cleared bank XXXX, hence could not have been past due. On XXXX again after several calls with Ditech they agree to waive late charges. However, on XXXX Ditech informs credit reporting agencies my account is not paid in timely basis, credit score drops XXXX points. Ditech commits to inform credit agencies, but given recent event I have no confidence Ditech will do as commited

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Medical) with Action Collection Service (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to XXXX XXXX and was under the impression I was covered by the insurance program they had me under. They never tried to reach me by phone or send a bill via email which I later found out was because I signed up for no mail. Was n't sure why they did n't try other methods of contact. When the collection agency called, I had knowledge of this charge. I immediately paid XXXX XXXX XXXX XXXX/XXXX/15 XXXX and they said that they would take it off the list from the collection agency. Also that it was before the due date of the collection agency to affect my credit score. So they should have never sent it to the credit agencies or reported it. I have the receipt for further proof. They still have not taken it off of my credit report, though I have paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Medical) with Tri-State Adjustments, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My purchase of a XXXX machine and supplies in XXXX of XXXX, was billed as a rental by mistake. While waiting for the error to be corrected, I paid {$600.00} towards the bill as I knew I owed something, but I thought it was less than the amount I paid. I thought I would receive a refund. Even though the mistake was corrected to reflect a purchase, the company and the billing partners are still attempting to bill me for amounts I do not owe. In XXXX of XXXX, one of the billing partners refunded the {$600.00}. Then I paid {$69.00} for the XXXX machine and supplies. That should have ended the matter, but one of the billing partners sent the matter to collections. I do n't owe anything further.

Company response to consumer: Closed with explanation