milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Date on my credit report is XX/XX/XXXX. This was for a home I rented with former roommate. I disputed this on my credit report last year and they have not removed the charge. I would like to have this resolved seeing as I passed the walk through in the home. In XXXX the home flooded due to the water heater busting. The renters waited 2 months to fix anything. The home smelled of mold because the water got into the molding. They never removed the carpet. The smell went on for 5 months and I emailed PROGRESS RESIDENTIAL multiple times and no one would help me. We paid each months rent. I never received the deposit back and on top of that I see a charge on my credit report for {$820.00} and to date that amount is now {$1000.00}. I have not signed anything or been given notice as to why the amount has rises? I have copies of the email being sent from myself to the renters where they were unlawfully letting us live in horrible living conditions for 5 months.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: In XXXX of XXXX, I signed a retainer and have paid Not quite XXXX $ to this so called firm. I recieved a summons from my mortgage holder in XXXX of XXXX, when speaking with the Detective on this case he stated XXXX XXXX is in prison for embezzlement! XXXX XXXX XXXX me again to statell the XXXX court in XXXX XXXX is handling the case. When attempting to contact this said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, recieved only the voice mail Full and unable to leave any messages. XXXX contacted XXXX XXXX, And he state that is the only contact info that he has!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed similar, XXXX have even been the same, information with Equifax and the companies 6 months ago as well. XXXX is reporting the information correctly now, so I believe the issue is with Equifax. 

There is incorrect information being reported on XXXX of my closed accounts. All three accounts are negative, because they were included in bankruptcy, but Equifax is also reporting that the XXXX accounts have 'Date of First Delinquency ' and XXXX of the XXXX also show information for 'Date Major Delinquency First Reported '. At no time have any of the XXXX accounts been delinquent. Prior to bankruptcy all three accounts were paid as agreed and paid on time, so I would like the information to be reported correctly. 

The last time I disputed this with Equifax they responded by saying that the information had been verified, but it should not have been. Bankruptcy makes the account negative, it 's considered derogatory, but 'delinquency ' means it is not being paid as agreed ( not right amount or not on time ). This should be clarified with Equifax ( they wo n't listen to me ) and the incorrect information should be removed from my report. 

Supporting documents have been attached below. They include the confirmation of my current dispute with Equifax, screen shots of the XXXX incorrect account reports, documents showing those payments were made on time and not delinquent for all XXXX accounts, and the most recent and complete reports from Equifax and XXXX so it can be seen how they are reporting differently.

Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Confusing or missing disclosures

Complaint: Pay  XXXX  bill by credit card, requires use of  Western Union  Speedpay subsidiary, which requires acceptance of Terms and Conditions at https : //www.speedpay.com/westernuniontac_cf.asp. This site requires acceptance of mandatory arbitration unless opted out at  XXXX . Over  45  mins talking to various  WU and Speedpay s taff, no one know anything about it. Told to " call back ''. Did so, spoke to employee who also again knew nothing about arbitration opt-out. I do not wish to accept mandatory arbitration, but there seems to be no way to opt out per the  Speedpay  terms and conditions directions.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in XXXX, and XXXX has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped XXXX from running my credit again at least twice after the fact. 
I want this ended, yet XXXX continues to run my credit regardless of the freeze on my social security number.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX, Equifax, continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: On several occasions in the months of XXXX, XXXX and XXXX, I contacted Equifax to dispute a bankruptcy and a few liens that were showing on my credit report. I was told that they got their information from XXXX XXXX. I also tried numerous times to get in touch with XXXX XXXX to get a copy of my consumer report from them and was n't able to get a copy until XXXX. On or around XXXX XXXX, XXXX, I tried once again to get Equifax to remove the bankruptcy and liens listed on my report and they once again came back XXXX the XXXX stating they received the information from XXXX XXXX. I finally received a copy of my XXXX XXXX report on the XXXX of XXXX and it did not have the Bankruptcy or the liens I disputed listed on them. I 'm confused at this point. How can you say you received the information from them, when it is not listed on their report to begin with. The XXXX XXXX report also lists companies who requested my report, Equifax is not listed there.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Credit card debt) with Schreiber Cohen, LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion continues to report Department of Treasury account XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this Department of Treasury account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Advertising and marketing

Complaint: I inadvertently responded to a XXXX " promotion '' online with an attached requirement to open a PayPal Credit account. I have received no services from XXXX and only an ongoing battle with PayPal Credit about the interest charges. 
Exasperated with both companies, I have reluctantly paid both charges -- the initial charge of {$170.00} and subsequent interest charges of {$26.00}. But I am appalled at the fraudulent behavior of these companies and wish to submit this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent a notice to AR resources via fax on XX/XX/XXXX at XXXX to fax # XXXX XXXX XXXX to validate that I do n't owe this debt. The company had 10 days from the time they received the notice to respond to me. they have not responded and they have not removed the item from my credit file. When I called them on XX/XX/XXXX, they said they have to dispute the debt with the original creditor. I have no agreement or contract with the collection agency. They refused to update their records. I have attached the document i sent them. This is hurting my credit from getting loans and paying higher insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Other mortgage) with Seterus, Inc. (MI).
Issue: Application, originator, mortgage broker

Complaint: Bad mortage refi under HARP program with XXXX..When I disputed they transferred to Seterus for mortgage servicer ... {$35000.00} in dispute..New program did not reduce my interest rate, failed to write off {$20000.00}, can not proved who owns the mortgage, all number if they provide any are in dispute ... Seterus is more interested in foreclosing on me and are very disrespective, uncooperating, and expect me to show documentation when they claim they have no documentation..Any and all help will be greatly appreciate..XXXX/Seterus have committed fraud which is nothing new..Please contact me at XXXX ( XXXX XXXX ) and leave voice mail if I do n't pick up..Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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: Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via XXXX Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via XXXX Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XX/XX/XXXX new inquiries have appear, which I have not requested.

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 05-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (RI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The company called me several times they first off want you to just verify your address do n't tell you who they are which is a little scary secondly after finding out who they where collecting for and finding out I settled that debt with another collector on XXXX XXXX paying the settlement agreement amount of XXXX an finding out that they had all of this clearly documented in there system from the previous collector an that they still would n't stop contacting an Harrassing me with phone calls and now receiving mail I contacted XXXX which was company they were collecting for an they Said sold them the account and I was told that they did not resell them the account that they should close out the account if they have documention from the previous collector that I paid so I called back I spoke to a XXXX whom spoke over me whom advised I need to send in bank statement to show I paid which I 'm not comfortable doing as they have all of the information I paid an with fraud going around I do n't want my bank info being sent. The debt is off my credit report because I paid the settled agreed amount I just want the phone calls and letters from this company to stop they should n't have my information.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I am a XXXX XXXX, XXXX XXXX military member who was XXXX 6 months ago. I received XXXX XXXX as a result. USAA Federal Savings Bank is causing direct and possibly irreparable harm to my credit worthiness through predatory lending practices. USAA closed my credit account after reciving my ( {$3000.00} ) payment with no notice. USAA received regular payments as per normal credit card use and this was a voluntary payment made to them beyond my normal payment. Apparently, while I was in the XXXX XXXX clinic, one payment was a few hours late. I was sent a letter on XX/XX/2018 informing me that they were closing my account. When I called the stated reason I was late on a payment and that I had an account balance change ( I.e I payed it off ). I totally agree that USAA has the right to lend to who they want. The harm comes in that, as they closed the account and lowered my available credit, they have damaged my credit worthiness, even when I pay 50 % of all my outstanding debt in a single month. I have payed them significant sums of money, as agreed. In response, they take your repayment and close your account, but the. Damage my credit, because I paid them more than the agreement. It sickens me that they will destroy the credit of a XXXX XXXX   veteran who is going through a XXXX XXXX XXXX to be XXXX XXXX, because I paid them back. They closed my account ( damaged credit worthiness ) because they couldnt drag any more interest off a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: i had fraudulent charges on my american express banking account, and i filed a claim with them, but instead of returning my money that is supposed to be insured, they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing is a third-party debt collection agency who continues to leave a negative reporting item onto my credit reports. I never established a contract with them at all nor have I made any payment to this company at all. A document bill, or any other documents they have from the purchased debt they have does not been prove that I owe nor does it validate the alleged debt. And they are in complete violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Budget Control Services, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Budget Control Svc  s (   XXXX    XXXX   ) has placed a derogatory collection on a working mother's- ( name withheld )  XXXX   XXXX  credit report in the amount of {$5100.00} for services they claim were rendered on her adult  XXXX   year old  daughter in  XXXX  of   XXXX  . (  4 1/5 years ago ) 1.  The working mother is not legally responsible for charges of her adult children. The work of inserting metal pins for implants can only be done on adults, not children.   2. She did not even take her daughter to that dentist nor did she fill out any paperwork.   3. The dentist  XXXX   XXXX  says performed the work no longer works there and says he was never paid by   XXXX   XXXX   for this work, currently lives in  XXXX  and knows nothing about this issue.    4.  The work in question was actually performed by a different  XXXX   XXXX  nearly 2 years later and we have a receipt.    5.  The Colorado statute of limitations has now passe d for Budget Control o r  XXXX   XXXX  to pursue legal remedies.    6. Budget Control  is now illegally harassing an innocent party with malice with no hope of resolving the matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Sortis Financial, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: Dear Sir/Ma'am I have been in an endless loop of modification process originating with XXXX XXXX who sold to XXXX who sold to Clear Spring - all institutions inviting us into a modification process only to strategically refuse us. They each have given us hope and put us through endless paperwork and anguish to only lead us on then to reject us. 
Over the years with XXXX we encountered endless loops of miscommunications and misinformation. We were making payments to XXXX when they abruptly stopped accepting payments from us. We were in mid process of a modification process with XXXX when they informed us they sold us to XXXX. We were encouraged by XXXX to pursue another modification process only to be denied and sold to Clear Spring. Clear Spring encouraged us into a modification process only to swiftly deny us and swiftly put us into a foreclosure process. 
Our Loan Number with Clear Spring is # XXXX. 
- a few years back an unfortunate event brought on by the demise of the housing investment market which was led by the unfortunate policies of the mortgage banking institutions led us subsequently into the bankruptcy process - we struggled to remain strong as a family. We compiled our dignity back and moved forward. As a result our marriage suffered but we struggled to rebuild our lives. Out of our Bankruptcy plan in XXXX 2012 the judge specified in the plan for our primary residence was to do a modification with XXXX. This is item XXXX in our plan - to retain Homestead property for modification process with XXXX XXXX XXXX - # XXXX. This did n't happen XXXX swiftly denied us and sold us. I am a XXXX and a military veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
- We have been denied after exhausting process with different institutions for one reason after another which I believe was just to get us into the foreclosure process for the banks. XXXX denied us because we went through bankruptcy - which they knew going into the modification. Clear Spring simply said investor - XXXX XXXX XXXX - declines to consider the request for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Student loan (Federal student loan servicing) with EdFinancial Services (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have requested to have payments above my required payment to be applied to principle and have been told that it ca n't be done. I have requested on more than XXXX occasion going back at least 12 months. This is from ED Financials statement : the Extra Payments. Paying off your student loans sooner is easy at Edfinancial.com. When you pay more than the minimum amount due, you can direct the extra amount to specific loan groups. You may also request one-time or recurring special payment instructions via phone, email, or mail ( including your account number ) using our correspondence address : XXXX XXXX XXXX, XXXX, TN XXXX. If you plan to pursue XXXX, visit XXXX for more information regarding prepayments and how they are counted as qualifying payments.

Company response to consumer: Closed with explanation