milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Services, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I technically owed the debt to a daycare provider ( XXXX XXXX ) until the provider in their negligence of unspervision, and lack of security cameras on the play area allowed another child to victimize my XXXX year old daughter by XXXX. My daughter was taken to the emergency room, the incident was sent to the XXXX hotline by the emergency room doctor, a police report was filed, and she was interviewed and examined again at XXXX XXXX. The daycare had the audacity to send the balance to the credit bureau for collections. The credit bureau made constant attempts through mail and constant phone calls. I informed the credit bureau over the phone as well as a formal written statement why the money was not owed to them for nullifying our contract by no longer providing a safe environment for my child. I also explained to them with enough detail what had happened to my child and in sheer principle of the matter the daycare bill will not be paid. I asked in every conversation to please stop contacting me, they would not receive payment and that a civil suit for negligence, accidental injury, and damages would be filed. They still continued to contact me through mail until I was served with court papers stating I was being sued for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I made my bank payment to my mortgage company freedom mortgage I called to see if they have received my payment and they told me that even though I had sent it in if it 's not registered they were going to mark me late I went to XXXX and got a loan for my car so that I can make a wire transfer to them that same day they sent me a letter saying they had received my payment but they still mark me late the XXXX credit bureaus after sending them my information and asking them to remove that from my credit they refused to do it I have lost the opportunity to refinance my house and my credit score went down I got into debt with XXXX because of this I want my credit cleaned and {$10000.00} back payment

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

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 04/17/2017 about Student loan (Non-federal student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.

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 01-07-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a phone call at XXXX on XX/XX/XXXX from XXXX XXXX regarding an outstanding balance of {$5300.00} under my last name, social security number, and date of birth. The debt was missed payments by XXXX XXXX, the tenant, for an apartment at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I informed the representative that I did not co-sign for the apartment and have never resided at that location, or in the XXXX area. They asked me to file a police report for Identity Theft, which I did on XX/XX/XXXX at XXXX with the XXXX XXXX PD, Case # : XXXX, to start an investigation and sent a copy of the report to Hunter Warfield 's email along with a copy of two forms of identification and additional documentation. I also filed a report with the FTC on the Identitytheft.gov website. I had not heard back from Hunter Warfield through email or telephone, and never got an answer when I tried calling or left a message. On XX/XX/XXXX I received a Credit Report Update through XXXX that XXXX XXXX had flagged my account as UNPAID for {$5400.00} on XX/XX/XXXX.

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 08-06-2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off 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 01/24/2016 about Debt collection (I do not know) with ConServe (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: PHEAA had my wages garnished from my pay leaving me with less than $ XXXX/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal XXXX and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over {$4000.00} on top of the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XX/XX/XXXX I sent a letter to Equifax to dispute items negatively reporting on my file, for proof of accuracy and if the item could be verified. There were 5 items that were disputed on this inquiry. 

On XX/XX/XXXX I sent a second letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in the dispute of this inquiry. 

On XX/XX/XXXX, I sent a third and final letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in this dispute of this inquiry. 

As of today, XX/XX/XXXX I have not received any response from Equifax. The only acceptable response is to provide proof that the item is verfied BY SUBMITTING ORIGINAL SIGNED CONTRACT WITH WET INK SIGNATURE according Section 609 ( A ) ( 1 ) ( a ) of the FCRA. If you can not provide proof, that means the items are unverified. If the item is unverified, the item is to be removed from the consumers credit profile. This is law. This is only acceptable. 

This is my final attempt to settle this dispute with said company, other wise we are pending litigation with a complaint filed in U.S. District Court Central Division of California for negligence of compliance secured and guaranteed to me in sections 616 & 617 of FCRA. 

Also included, you will be sued for the following reasons : Tyranny ( abuse of power ) - Establishing your own jurisdiction and not complying with FCRA regulations. 
Fraud ( Acquiesce ) - Consent to fraud by Tacit, Silent or Passive response. 

And any additional findings in your efforts to verify items disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today, XXXX XXXX,2017, I tried to access my Equifax report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the Equifax data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the XXXX report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Payoff process

Complaint: I was offered a credit card by Amazon. I accepted. I made a few purchases. I cancelled the card. I am a senior citizen on a fixed income. I am trying to pay the balance off as best I can. There is a debt collector from the number XXXX XXXX XXXX calling XXXX times a day at all hours trying to collect the balance. I ask that this please stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX-XXXX-2017 I received a loan from Big Picture loans in the amount of {$320.00}. I was not informed of the apr of 598.3962. I was informed that there would be a finance charge of {$140.00} not that I would be paying over {$1700.00} in total payments, and that I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: Received an escrow shortage letter from Wells Fargo for {$4700.00}. Part of the taxes were not paid at closing by the title company and taxes/interest part of mortgage was calculated too low. This was a refi, so most of the paperwork was already on file with Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had an XXXX visit last year as to which we were sent a bill for that was supposed to go to my insurance. After calling, it was sent to insurance and paid off. But then I got a letter from CMRE Financial Services claiming they were collecting my debt. After calling the hospital again, they said they removed the collection after the error was cleared. But the collection is still on my credit and ruining my credit and I 'm only XXXX. Any disputes I 've sent through XXXX have been denied. I owe no money, nor did I ever, but they are continuing to ask for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ALEXANDER-ROSE ASSOC, INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My landlord would just walk into our apartment whenever he felt like it. He would not give us any notice at all that he was coming by ir the HOA. Anytime that he came into the apt or the HOA, I know they new someone was home because we had the t.v on all the time we were talking. One time the landlord walked in on us XXXX. We asked him multiple times to please give us notice just out of courtesy, plus by law he was supposed to if he was not doing anything of those exact things in the lease. Whenever he barged in, he was not taking pictures of the conditions of the apt nor showing any of the qualified people stated in the lease, for just walking in without any giving notice. We had to change the original locks on the door because he was barging in so much that sometimes I would be home with my son, and he would just walk in, scaring me and my son half to death thinking somebody was breaking in. One day he took the lock off the door that we put on to try to stop him from just walking in at any given time, since we asked him multiple times and he would not stop, that he left a hole in the front door, that anybody could stick their hand in the hole and opened up the door. I am a single parent, going to work everyday. I am not getting any assistance from the government. I work hard for me and my kids. Lastly, just because I did n't live in the nicest part of town and was not rich, does not mean that you can take advantage of people and treat them like trash. Scaring my XXXX boys and me that they are thinking someone is breaking into the house, having my boyfriend ready to protect or die for his family and you can clearly hear people inside that you could of had the common courtesy, respectfulness and decency to just knock on the door or call to see if we were at home. He was very ugly, nasty and stated that if you did not like it you could move out. I wad not the only tenant he did like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking wells Fargo to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains 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 non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Communication  sent to me states investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . When I called to inquired, I was told investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . Tranunion stated that this was inside of the 30 day window, when in fact it is not.

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 07-07-2017 about Debt collection (I do not know) with The CBE Group, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: sent a letter all i got back was a bill

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