milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased the property in question on XX/XX/2014. However, the Seller engaged in a number of fraudulent activities as they relate to making structural changes to the property, but not divulging those changes to me. The Seller failed to abide by the XXXX Building Code Laws which required him to submit proper plans and pull a permit prior to making said changes. He never did that but failed to divulge that at any time during the acquisition process. Primary Residential Mortgage, Inc., XXXX, XXXX, suspected that some was wrong with the property and ordered to separate appraisals. However, they never requested that the appraisers verify that legal permits were pulled given all of the alterations made by the Seller. They failed to exercise the necessary due diligence under the Dodd/Frank Law. If they had requested that the appraisers verify that legal permits were pulled, I would never suffered the {$180000.00} in damages that I am attempting to sue them and the Seller for ; they were sloppy in abiding by the Dodd/Frank law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I called Navient on or around XX/XX/XXXX and spoke to a gentleman in the private student loan department about lowering my monthly payment because it has been a financial struggle for me to pay almost {$800.00} a month in student loan payments ( which is half of what my mortgage is for my house! ) I explained the situation to the person on the phone who proceeded to tell me that I may be eligible to lower the payment if I extend the repayment terms out to lower my payment. Upon checking, he said my loans were not eligible for this but had no explanation as to why they were not eligible. So I asked him what should I do if there comes a time where I ca n't make payments at all? Im supposed to let my loans go into default? I asked him what other people do who can not make payments and he said that they basically have to let their loan default and ruin their credit. How is this fair to people who want to actually pay their loan, but are just asking for affordable payments? It 's absolutely absurd and I think they should have better repayment options for private student loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They are saying we owe this money back from XXXX. It just appeared on my credit last year. 
I challenged it inXX/XX/XXXX with a letter requesting verification. They sent me an AR report. I replied to them that this is not evidence. I requested an actual bill for those months with the meter reading to prove for those months. 
We moved out in XX/XX/XXXX. We made payments for the last bill. 
We knew nothing of this. 
Now 3 years later they are saying we owe {$570.00}. Our electric bill has never been {$570.00}. 
We paid the final bill after we moved We paid 2 payments and then it looks like they just takes on {$570.00} out of nowhere. 
We moved out in XX/XX/XXXX and they tack this on in XX/XX/XXXX. 
I did not find out about this until last year. 3 years later. I disputed it requested to have it removed, they have not done it. 
We are moving and trying to get a mortgage for a house and this pops up again on my credit report. 
They have not been helpful They refuse to provide proof, saying the AR report is sufficient. 
I requested an actually bill that proved the meter usage. They said they do not have to provide that and this was sufficient. 
I told them that anyone can write this, it is not proof. We did not live there XXXX -XX/XX/XXXX 
And Accounts receivable report is no evidence. 
I requested a bill for those dates proving meter usage. 
They would not even negotiate or try and settle. 
And they would not remove it or even if i paid it they would not verify giving me a letter to remove it from my credit score. 
How can they not provide the bill proving the meter usage for those months. 
Which by the way, we did n't even live there Between XXXX and XXXX. 
We made the last payments from when we lived there. How can they tack on {$570.00} on it. 
It has never been that. Also common sense would say that if I was not paying my bill they would turn my power off, right??? And Again, we never received a bill for that.l once we moved out. This came out of nowhere last year. And we have been fighting them. They have been horrible, not willing to do anything. 
I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is my 2nd complaint for this company. I have asked for a debt VALIDATION with my ACTUAL SIGNATURE AND CONTRACT WITH THEM but yet they failed to provide me with the proper documentation. I do n't need a verification I NEED A VALIDATION OF DEBT. since they failed to provide with the correct documentation I am requesting an IMMEDIATE deletion from my credit report in all 3 bureaus as this collection is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: TransUnion is reporting a bankruptcy as a public record on my credit report. I have a letter from the US Bankruptcy Court, XXXX XXXX XXXX, dated XX/XX/XXXX.
It states that the court does not report the records of this court to any credit reporting agency. As this record would contain personal information such as my social security number, it is not reported.
On XX/XX/XXXX I sent a certified letter to TransUnion disputing the public record of bankruptcy that they are reporting. I provided a copy of the above letter from the US Bankruptcy Court and advised them that they could not have verified the public record as the court does not provide social security numbers.
On XX/XX/XXXX I received a response from TransUnion stating they have completed their investigation and that the public record had been " verified as accurate ''.

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 12/27/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I submit a Payment with XXXX for amount owed, payment was not reported to collection agency and its still showing negative on my credit report

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 04/30/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to Washington three months later. After researching both Northland Group and XXXX XXXX XXXX and learning of their less than ethical practices, I felt it necessary to report their activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: this was a fraud account opened back 2014 by XXXX fraud balance {$570.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any 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 01/24/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Our house flooded XX/XX/2016, our insurance company mailed the check to us to sign and then mail to Ocwen Mortgage Claim department. They have had the check since XX/XX/2016. Our house has been done since for 2 or 3 weeks. We have been trying to get the money from the mortgage company for the contractors for a month now and they come up with a new excuse every week. I have called there everyday for 6 weeks they said a inspector had to come out when the house was XXXX % and XXXX % done. We have requested an inspector several times and nobody contacted us. I filed a complaint with there complaint department and they did call me back they said they were going to wave the inspection since the house was done and we were living there. They told me that would take 3 to 5 days to do. Then an inspector called me Wednesday XX/XX/XXXX and went and looked at the house said it was XXXX % done and sent in his paperwork that day. Today is XX/XX/XXXX and the mortgage company is telling me they have n't downloaded it yet. They have told me that Sat, Mon and now today. My contractor is threatening to sue us because all of there money is tied up on our job $ XXXX and they have been done now for weeks. I have called and spoke to someone everyday, They told me today to call back next week and I can find out where they are. I have heard this for so many weeks. I have left messages with supervisors and managers several times. Nobody calls me back at all. I am just stuck and do n't know what to do. I am already being sued for {$1300.00} from the 1st contractor that we signed a contract with because we had to cancel the contract because they could n't get any money from the mortgage company. So we hired a second one and they have done the whole job with there own money. The mortgage company filed sent them {$10000.00} on XX/XX/XXXX and the job was XXXX % finished. We had requested that a month before that. I do n't want to get sued again and the contractor does not want to do that but they need there money. Our insurance company has closed our claim 2 weeks ago and said they ca n't help us the mortgage company wo n't talk to them. I am hoping you can help me. I do n't know what else to do. Our local bank suggested calling you.

Company response to consumer: Closed
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )

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 12/13/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX Hunter Warfield was sent another request for validation and all account info and notified that the debt is not owed. Tracking # XXXX XXXX XXXX XXXX - As of today no response has been received. 

Previous request for debt validation tracking # XXXX XXXX XXXX XXXX XXXX Many other requests in writing however documents not accessible at this time. 

Their claim of over {$12000.00} for XXXX XXXX is a fraudulent amount and impossible. I submitted the signed and approved by XXXX XXXX `` XXXX XXXX Notice of Intent to Vacate '' on XXXX/XXXX/XXXX for move out on XXXX/XXXX/XXXX. XXXX was paid in full and an overage for XXXX. Later an attorney acknowledged that there was only a partial balance for XXXX and XXXX of {$4300.00} however that is AFTER and the case was dismissed because they were attempting to evict me when I had already moved out and provided notice with management signature. 

XXXX XXXX continues to ignore requests for validation and report inaccurate information and a debt that is not owed. They have not responded to recent request for removal 30 days ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have student loans that should be in deferral. I am enrolled at XXXX XXXX in a XXXX program. Nelnet, has not listened to me. I did talk with somebody once who said they would verify my enrollment. Nothing has happened. Instead, they slaughter my credit report with this. This is due to their ineptitude. XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$10000.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$9700.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$9500.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$8900.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$6500.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$6100.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$5600.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with ACIMA CREDIT, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: My wife & I purchased a mattress & a head board from XXXX XXXX XXXX. During the time we were buying the product we were in the middle of buying a home & could run our credit/ spend cash. We asked the owner about their promo & we see you have a promo going said " Get any product & finance for up to 12 months with " XXXX XXXX '' same as cash no credit checked need no down payment & etc. We asked all questions before agreeing to sign any documents & getting our products but how ever when inputting our personal information on XXXX XXXX Desk top. I notice a fine print saying if I do n't pay off the iteam in 3 months interest would add on & I would pay 40 % to 50 % more then what the item cost. I asked the owner why the fine print saying I would pay more if I do n't pay in 3months? He said " Oh disregard that! I have my finance guy take good care of you. '' & I do n't have to worry. I went ahead got the both items with my wife paid a {$50.00} each the Application ... but then during that time I also bought a Queen size frame cost {$77.00} & during check out the owner wife came & help but then she added everything thing up on the invoice & had me pay not realizing {$50.00} was supposed to go to XXXX XXXX. She discard everything her husband was doing. started an argument then a couple day 's later we got documents from XXXX XXXX & saw the item price we finance if is not what we agreed on in the store & sighed for so I called both companies. but was very rude to me like I did them something & also the rep told me please just pay her bill & ended the call. left looking foolish & do n't know what to do. I was side track from buying new home & getting a job that I forgot to file this complete from months ago. how ever I called again I later was told that fee I paid was a penalty if I what to pay of my items earlier then the 3 months & supposed to pay {$40.00} for the application & {$50.00} for early pay off. But in the store the owner charge my wife & I {$50.00}. I went to the store try getting back the money they refuse to refund us. I went back & forth with XXXX XXXX & the owner of store. Both refuse to help. Oh yes & on top of that I was told I had to pay the {$50.00} fee again they did n't get my application fee. I have now over paid for the product & also my wife & we really, really need your guy 's help because we are being told that now instead of the original cost at the end of the 12th months we are paying 3 time over what the item cost. That 's clearly a ripe off!

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation