milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: # I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Federal student loan) with GC Services Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. 
They are rude and upsetting to me because the lady keeps saying she does n't care my son died.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Account opening, closing, or management

Complaint: This is follow up on my previous complaint against Chase Bank. Also update on the {$100.00} that is on hold when will i receive itWe are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX, 2015. Once the claims are finalized and if approved, {$100.00} will be mailed to you in a cashier 's check. We have received multiple complaints regarding the same issue and going forward we will no longer be responding to you about the same issues. 
We are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX. Once the claims are finalized and if approved, {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (I do not know) with EQUIFAX, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a XXXX XXXX XXXX account that is past the 7 year statute of limitations to report on my XXXX credit file. Midland credit management, the company which bought the debt, has re-aged the account to increase the time the can try and collect on the debt. Re-aging is not allowed under the FCRA and is a violation of my consumer rights. XXXX closed the account in XXXX and it was XXXX delinquent in XXXX of XXXX. The XXXX delinquency is the only date and standard for the 7 year reportable status. Based on this information, provided by XXXX XXXX XXXX, this debt is no longer reportable on my credit file yet MIdland is trying to report the first major delinquency as XXXX. This would be impossible as the XXXX account was closed in XXXX. A simple internet search will show, while Midland claims otherwise, that Midland has a poor track record of adhering to FCRA guidelines and has been subject to XXXX in fines. Their questionable collection tactics have continually violated consumers rights to maximize their profit. I Have filed complaints with the XXXX, CFPB, and California Attorney Generals 's office, yet Midland asserts that they do not re-age accounts. It only takes XXXX look at my documents provided by XXXX and XXXX to see that this statement is false and Midland has violated my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MO).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have called experian twice regarding my credit report and unauthorized hard inquiries as well as addresses listed on my account.   Those items were  XXXX   XXXX   XXXX   XXXX  mo  XXXX   XXXX    XXXX     XXXX    XXXX   XXXX   XXXX  mo  XXXX   XXXX  hard Inquires   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   inquiry.  XX/XX/XXXX As well as an account linked that i would like removed This is not my account and preventing me from establishing a home Credit acceptance-  XXXX  This was placed on my credit report by experian with out recieveing contract to verify. Please delete

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 12/26/2017 about Debt collection (Payday loan debt) with Diversified Company (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Diversified has called my personal phone, sent letter to my home and now they sent emails to my address with personal info with out my consent nor even knowing if that email was indeed mine- saying they purchased this debt in which i never applied for a pay day loan w/ XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. 

Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA 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 non-monetary relief
Consumer complaint received 09/18/2017 about Debt collection (Mortgage debt) with Fay Servicing, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My morgatage was paid with XXXX XXXX XXXX with a loan discharge and i did a motion to the court for summary judgment on XX/XX/2017 and the judge denied the motion seens the case is close but Fay Servicing keeps get in contact with and tell me they owned my property i disputed the debt with them seens is payoff and they have not paying attention to me about this disputed and keep calling me and harassing me about the debt and even reporting me to the credit bureau they 're not my lender and i do n't old any money to them and my credit score is being affected because of them please help me about this case because is very frustrating thanks sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In XXXX I made a payment at the store in XXXX California of XXXX, on the XXXX, then on XX/XX/XXXX I received an email stating I owed XXXX, I then called customer service, then said they were sorry for the mistake, after I said I made my XXXX dollar payment that I always make even though my payment was only XXXX, then in XXXX I went on line to pay my bill to verify, and it still said XXXX, I then called again, and they said not to worry it's an error the additional charges were removed, so I paid them the normal XXXX, now in XXXX they say I owe XXXX because of late fees and because my payment changed to XXXX in XXXX which I was never told about, even when I made my XXXX dollar payment in the store, I was not told again that my payment had changed neither on the web or at the store or by mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing this letter because for years I have been back and forward with my mortgage company over my payment history. The loan that I have with Carrington Mortgage, I have made complaint with the XXXX, and in the dispute going through them they stated that there was nothing more that they could do, but advise me to go further on it. There are a lot of complaints on the company similar to my situation. I modified the loan and every since I have had problems even with it, it seems like around the first of every year it they say I owe them a lot of money. I have constantly been going through receiving intention of foreclosure letters and once the company sent me a check back. Now, I have noticed some miscellaneous charges on my account. I have always sent money whether I was working or not. The company also have placed on my credit report that I have filed bankruptcy with them. The information is false I never filed bankruptcy on Carrington Mortgage. I have even had representatives to tell me that I am on a adjustable mortgage, which is not true. I need someone to please help with this. The mortgage company for some reason when I send money they will place it in a suspense account and not apply everything to the loan and when they state that loan late there is still amount in the suspense account. I have used all resources in paying my mortgage, even though the company states if not working I can contact to set up something to help for the hard times, but that does not seem to help, because I tried once when I was unemployed to receive help. This was done before I finally was approved to modify the loan, which I was put through if my ex- husband did not sign they could not do it, but in their rules it stated that if divorced and other things was an exception to that which I was divorced and I and ex was not on speaking terms. I received in my mail today a letter stating that your home is at risk of foreclosure. A non-judicial foreclosure may be initiated 10 days from the date of this letter. The mortgage company right now is stating that I owe {$3300.00}, which they never can explain to me how. I am constantly sending in a payment on mortgage. I even question if a payment was misapplied somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX accounts reporting with dispute comments. I requested that these accounts remove the dispute comments from all XXXX bureaus and I had no issues with XXXX and XXXX but Experian stated that they would have to file a dispute with the companies reporting in order to have the verbiage removed and it could take up to 30 days. Well, it did n't take 30 days but instead the two companies refusing to remove the comments denied my request even though I stated " I no longer dispute the account and I agreed with the way it was reporting '' I also contacted both companies and requested for them to remove the dispute comments themselves and both companies stated they would n't remove the dispute comments " UNLESS THE ACCOUNTS ARE PAID '' To me this is illegal because these companies are holding me hostage and preventing me from being able to purchase a home by reporting innacurate information on my credit file since I have specifically stated I 'm no longer disputing the accounts. It 's my right as a consumer to dispute an account and there are mortgage guidelines in place to decide whether or not I am approved for a mortgage and it should n't be up to anyone deny me this right by reporting inaccurate information in hopes of getting paid. Experian has stated there is nothing they can do unless the creditor reporting the information gives them permission to remove the comment. I had no issues with XXXX or XXXX and if Experian has to put the account in dispute to remove the dispute comment it 's extremely contradictory. I have clarified to both experian and the creditor reporting the information that I no longer dispute the information and I agree with the way the account is reporting and still I ca n't get them to remove the comments from my credit file. This is preventing me from being able to move forward with a mortgage and they are holding me hostage. XXXX XXXX XXXX and XXXX XXXX XXXX are the two accounts.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In complaint XXXX XXXX XXXX XXXX failed to properly represent my flawed transaction with XXXX XXXX. The merchant misrepresented the equipment being ordered. There was no visual confirmation of the model in question. The equipment ordered by the inexperienced clerk was wrong. The signed receipt of order does not include a description of the item. When it arrived at the store the service manager told us it was the wrong unit. I do not pay for merchant error. I went out of my way and arranged for the equipment to be returned but the merchant was uncooperative. I will not pay for this type of customer service and told the bank at the time not to pay the merchant. XXXX XXXX gave the money away against my objection. I hold XXXX 's responsible for poor judgement. Note in their letter of reply they fail to report these details. This case is also under litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My insurance company made a mistake between my son and me for a wellness visit that is 100 % covered. This debt was from XXXX XXXX XXXX and purchased by XXXX XXXX. After speaking with my medical insurance this bill was 100 % paid for though the collection agency is not willing to speak with the company they have sold the bill to XXXX XXXX. I have contacted XXXX XXXX XXXX who has confirmed that this bill was paid though cmre will not accept this. The company is XXXX and the bill is from XXXX XXXX. What can I do to resolve this as a customer I am confused as to why the collection company is unwilling to work with me on a paid bill. If I did not pay the bill they would contact me several times a day though for something paid by my insurance they can not work with me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I believe santander consumer is in violation of repossession back  in 2013. I also have tried to contact them in regards to receiving an itemized billing and payment history. They are sending me letters and harassing me as bills sent to my address are in correct and ruining my credit score since ive had them finan ce the car by  XXXX  Alabama. they do n't answer my phone calls and just made a payment that does n't reflect my account. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (LA).
Issue: Credit decision / Underwriting

Complaint: I monitor my credit report & score thru XXXX XXXX & XXXX-I recently applied for a mortgage thru complete Mortgage of XXXX who sent to American Financial Resources. My XXXX score from XXXX XXXX, creditwise shows XXXX my score for XXXX from XXXX shows XXXX. My XXXX score from XXXX shows XXXX but when I got my scores back from the mortgage company, they had my XXXX score as XXXX & my XXXX score of XXXX. I know there is some difference in scoring but it makes me think that the mortgage company is trying to get a higher interest rate. I compared the actual reports from XXXX & XXXX themselves against the reports I get from XXXX & XXXX XXXX & there is n't much difference between them. Can you please explain why there is such a discrepancy between these? thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Prepaid card (Gift or merchant card) with Google Compare Credit Cards Inc. (NC).
Issue: Managing, opening, or closing account

Complaint: It has been an ongoing problem with Google, Inc regarding the Google Playstore credit available on my account. I have contacted Consumer Finance Bureau and filed a complaint on XXXX XXXX XXXX with the complaint number Case number : XXXX. 

To give a brief overview of what is going on, I have purchased Google XXXX gift cards worth {$2000.00} from XXXX Store in XXXX XXXX with an intention of buying Google Devises from the XXXX website. I was later confirmed that XXXX credit can not be used to buy devises and I was told by the customer service that they would add the credit to my google account " XXXXXXXXXXXX '' and then they would refund it back. 
After numerous phone calls and over XXXX different emails, I have filed a complaint with the Consumer Finance Bureau. 

I have heard a response back from Google and below is the response : " Google Inc said : Explanation of closure hank you for reaching out to my team about your Google XXXX gift cards. I understand that you meant to use them to purchase Google XXXX hardware, and are disappointed that, as described in our Terms of Service, Google XXXX balance ca n't be used to purchase hardware and ca n't be refunded. 

Due to your particular circumstances, as a one-time-only courtesy, I 'm able to refund the full amount remaining unused This refund payment wo n't cover any fees incurred by accepting it. 

If you are based in the US please complete this form : XXXX If you are outside of the US, please complete this form : https : //support.google.com/googleplay/contact/wire_form Thanks for your patience. 
" Since I have received the reply, I have submitted the requested form as stated and since then Google has been taking me for a ride. 
I was suppose to receive {$2000.00} and they reply back saying they have sent it. I have never received my {$2000.00} in to the given bank account details. 
Every time I contact them over the email, I always get a reply that they are working on the refund and their higher up team is going to respond to me. 
Even after numerous emails, I have never received the funds. All I get is a silly response that they have sent the refund but when I ask for the details, they do n't have XXXX on when they sent the refund or where they sent the refund. 

I am just getting tired of this round abouts and I am not at all getting any kind of response. 

I would really like CFPB to step in and help me know what is happening with my refund. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: New York Tax Lien - was never notified, not verified or accurate

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I'd like an explanation as to why the Consumer Financial Protection Bureau hasn't lifted a finger to do anything about the Equifax Data Breach. I'm one of the Americans who's personal information was stolen, and now I have to spend the rest of my life paying for services and keeping on the lookout for people who use my social security information to open fraudulent accounts in my name. 

Either you figure out a way to have people securely change their identity confirmation documents, or you hold Equifax accountable. 

The fact that XXXX XXXX on XXXX has done more to hold Equifax accountable than a government agency is an absolute disgrace. This morning I read in a news article that XXXX XXXX shelved plans to test the on the ground security from this happening again. 

This isn't a matter of making sure there aren't to many regulations on businesses. This is a matter of a government agency holding a private company accountable for collecting and not safeguarding my private data, which they didn't even have permission from me to have in the first place. 

Do anything. Seriously. Do anything because as far as I can see you have done nothing.

Company response to consumer: Closed with explanation