milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXXXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experience is reporting that I have a foreclosure on my credit report which I never had

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with Solidus Group LLC. (KY).
Issue: Balance transfer

Complaint: Was contacted by a company called XXXX. They offered me a 0 % life of the balance transfer, 0 % balance transfer fee. I started getting credit cards in the mail under my name. They applied for credit cards in my name and sent them to my house, then did a balance transfer without my knowledge. Now I ca n't reverse it and am being charged a 4 % balance transfer fee ... and with a 0 % 15 month promotion.

Company response to consumer: Untimely response
Consumer complaint received 02-08-2017 about Debt collection (Non-federal student loan) with AES/PHEAA (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have been contacted by mail from XXXX. representing National Collegiate Student Loan Trust. This os the same company that tried to collect from us back in XX/XX/XXXX At that time the company was also known as XXXX XXXX XXXX at law. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. To the best of my knowledge I nor my husband XXXX owe anything to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Management Systems (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with th e National Credit Reporting Agencies.   While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: When requesting the government mandated annual free credit report via Transunion 's toll-free number XXXX, 4 attempts are made to sell services to unsuspecting callers. First attempt is to sell you a credit score ( 1 for yes, 2 for decline ), then they follow up to ask if you 're sure ( 1 for yes, 2 for decline ), and then two attempts to sell credit monitoring servicing. As someone who works in finance, this is fine, but for many consumers this can be very confusing and lead to payment of unwanted services.

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 06/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However TramsUnion has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXXLast Past Due : XXXX/XXXX90+ Days : XXXX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATEXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX REV XXXX XXXX C XXXX 1963 XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX30 Days : XXXX/XXXX60 Days : XXXX/XXXX90+ Days : XXXX, XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA not mine / No knowledge of the account / too many inquiries.

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 02-06-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Billing disputes

Complaint: I believe PayPal is a fraud. They do not have accurate reporting on their web site. They they slap you with huge finance charges even when the web site says nothing is due. They blame it on the fact that there are XXXX companies XXXX and PayPal Credit but it is XXXX company. They do not allow any grace period One day nothing is due on their wb site and the next day you are overdue. If you pay that same day by XXXX they say there is no grace period. That is against the rules of the California Consumer Protection ACT but they do n't seem to realize I live in CA. So I stopped paying PayPal and watched the balance double every month. When they finally called one day I told them why I was not paying their charges. They said they would remove all finance charges and late fees but there was still a balance due of {$38.00}. There was no balance due. That payment was purely extortion. My bank XXXX is a large insurance company and they did not want to audit PayPal. If they had requested an audit of the charges they would have realized that it was pure extortion. If you request and audit of that XXXX dollars it would be revealing. There was XXXX balance due. Thanks for all your help. -- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (OR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Wells Fargo Visa, is refusing to give senior, XXXX XXXX XXXX reimbursement for credit card purchases made by a caregiver, XXXX XXXX, who has been charged with XXXX felonies for this theft and senior abuse. XXXX XXXX 's district attorney has provided proof of charges.Wells Fargo states that because she promised to pay it back they will not reimburse him. We have all documents of proof. We have been dealing with this since XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX at the age of XXXX, XX/XX/XXXX, but our family wishes to pursue Wells Fargo and Visa to repay his estate.I hope that you can help us. The amount of the theft on the Visa charges are {$14000.00} and XXXX in interest and fees.for a total XXXX.XXXX XXXX also made payments to XXXX Visa out of his checking account in the amount of $ XXXX.XXXX XXXX also used a Debit card without his permission in excess of 100 thousand dollars.Wells Fargo will not reimburse for these losses,.

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 07/13/2016 about Debt collection (I do not know) with Malen & Associates, p.c. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Malen and Associates PC filed this judgment on behalf of XXXX XXXX. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ] ( XXXX XXXX Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. XXXX XXXX XXXX. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired Malen and Associates, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my XXXX when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For XXXX XXXX has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure XXXX the Credit Bureaus and Malen and Associates are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy XXXX We ask that the CPFB remind XXXX XXXX and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I obtained a Wells Fargo Home loan in 2005, at the time Wells Fargo loan officer informed that I did not make enough money to pay for said loan and advised and obtained a Home equity line of credit to help me make my payments. When I asked her how this was going to help me she informed me that the housing market is climbing so fast that I can refinance the loan in about a year at lower rates and combine the loans and I would pay the same monthly mortgage. 
When interest rates started dropping and housing market crashed I desperately tried to get Wells Fargo to re-finance my loan at a lower interest rate. They refused and said the house was under water and they continued to withdraw $ XXXX XXXX dollars a month interest charge on the home equity line, about XXXX dollars later after they sucked up all the remaining equity from my house. I attempted to re-finance several times and combine the loans but they would not reduce my interest rate XXXX to make my house affordable and kept withdrawing the interest from the home equity line of credit that they gave me. 
I feel that Wells Fargo duped me into a interest only loan at a high rate and said I could not afford it and gave me a equity line of credit knowing that this would drive my home further under water. 
10 years later and XXXX in interest fees on the Home equity line of credit Wells Fargo re-financed my loan after the housing market went up. They combined the XXXX loans and now I am stuck paying for a Home Equity line of credit that I did not ask for and Wells fargo took all the money out for there interest. As soon as the Home equity line of credit was tapped out they re-financed my loan. I am now in debt XXXX more than my original loan beacuse of the interest that Wells Fargo took every month from the equity account. 
When I asked the Loan officer why she did this she informed me that at the time I did not make enough money to pay for XXXX XXXX mortgage. If I did not make enough money to pay for my first how did they give me a second? which put me into more debt. 
I feel Wells Fargo Loan officer conducted Predatory lending and after seeing all the fraud that Wells Fargo has done in the last few years I am convinced that I was part of that fraud. 
I ask the Consumer Protection Bureau look in this matter and see how I was qualified for a XXXX line of credit to pay to Wells fargo in interest and how if I was not able to afford my first mortgage how they expected me to pay a second.

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (OK).
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 11/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, XXXX XXXX XXXX XXXX purchased the property located at XXXX XXXX XXXX, XXXX XXXX, OH XXXX. In XXXX, XXXX refinanced the property for {$92000.00} with XXXX, a Delaware corporation. The payments were {$950.00} per month beginning XXXX XXXX through XXXX XXXX for 24 months {$24000.00} plusXXXX XXXX, XXXX thru XXXX XXXX, XXXX for 60 months XXXX equals {$79.00}, XXXX. 
$ XXXX $ XXXX {$12.00}, XXXX. 
Since XXXX XXXX, XXXX and son XXXX have attempted to get the loan modified with XXXX. On XXXX XXXX, XXXX, XXXX filed foreclosure on the property in the XXXX XXXX under Case number XXXX XXXX XXXX. Count XXXX of the complaint alleges that {$82000.00} is owed on the property, when, in fact, only {$12.00}, XXXXXXXXis owed. I believe that XXXX is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with Knight Adjustment Bureau (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In or around XXXX 2016, I paid the credit card balance in full for the amount of {$640.00} for my membership in this correspondenc Accounting Course. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory account from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We are trying to pay off our mortgage loan. When asked for a payoff statement, the amount of principal remaining does not make sense based on our agreed to payments and the loan maturity date. The customer service reps on the phone could n't even look at the payment history that the company sent me by mail. In reviewing the payment history, it appears that some of my mortgage payments were n't applied or were misapplied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I CONTACTED CREDIT REPORTING AGENCY BUT THIS PROBLEM HAS NOT BEEN CORRECTED. 
I I HAD DISPUTED ACCOU7NTS, MOST OF THEM NEGOTIATED AND SETTLED BY PAYING OFF, AND STILL OTHER DISPIED ACCOU8NTS. 
MY CREDIT CONTAINS WRONG INFO, WHICH MUST BE REMOVED AND/OR CORRECTED. ATT HOW MY CREDIT HAS BEEN DAMAGED.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company called my husband on XXXX/XXXX/XXXX, at which time he told them to send something in writing as they would not divulge what the debt was for, etc ... I called them back the same afternoon, twice, trying to get the information from them and was told I could not speak to them without his permission. On XXXX/XXXX/XXXX they called his phone, XXXX, 4 times, on XXXX/XXXX/XXXX they called his phone 5 times, on XXXX/XXXX/XXXX they called his phone 3 times. On XXXX/XXXX/XXXX I asked them not to call his number any longer and to remove it from their list as they were disturbing him at work so I gave them my number XXXX. I have also been receiving numerous phone calls from them on a daily basis and they will not talk to me and only want to speak to him. We have yet to receive anything in writing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PORTFOLIO COLLECTIONS CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF XXXX ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I began the short sale process XX/XX/XXXX with Everbank Mortgage and XXXX. I submitted all requested documentation several times over and complied with all requests. Everbank approved the short sale XX/XX/XXXX. XXXX verbally agreed to an amount they would receive from Everbank. Then, XXXX sold the loan to XXXX who has now asked for over twice the amount that XXXX had agreed to and Everbank, who is the XXXX Mortgage, will not agree to more than {$6000.00} to the XXXX. Neither one is willing to negotiate to conclude the short sale and the only one that will be hurt by this is myself and my husband, who will now have a foreclosure on our credit. If the investor agreed to an amount with XXXX prior to them selling the loan at the last minute to another servicer, then why would n't the same servicer agree to the same amount? This is the new servicer trying to recover funds that are not available in a short sale. How was XXXX even allowed to sell the loan at the end of a short sale negotiation? This is unethical. I am asking you to please get involved to help get this short sale completed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Louisiana Recovery Services is reporting a collection on my credit report that I have requested on more than one occassion to be validated or more information be sent to me on this account and I 've yet to receive any correspondence. Because I am having tons of issues with billing and my I have lots of medical debts, I have no idea how to compare what they are reporting without any documentation or how to contact my insurance company about a debt they are reporting because I have nothing to go off of and no information to give to the insurance to see if it as properly claimed etc. Because this company refuses to respond they are violating the law and I am requesting the account be truly validated or removed from my credit report immediately. I mailed a certified letter on XXXX/XXXX/2016 and also XX/XX/XXXX and it 's now XX/XX/XXXX and still nothing.

Company response to consumer: Closed with explanation