milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 I contact XXXX, XXXX, and TransUnion concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.

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 10/22/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I discovered the Assignment of Mortgage executed on XXXX XXXX, XXXX and recorded/filed XXXX XXXX, XXXX on our loan was robo-signed by robo-signer XXXX XXXX. Please see enclosed Assignment of Mortgage. XXXX XXXX XXXX was not an employee ( Assistant Secretary ) of XXXX ( XXXX ) on the date of XXXX XXXX, XXXX. XXXX is a shell corporation with [ n ] o employees and XXXX did [ n ] ot exist on XXXX XXXX, XXXX. In fact, XXXX, has been publicly out of business since XXXX. Please see enclosed document for verification and confirmation from the Federal Deposit Insurance Corporation. Robo-signing is illegal and has been outlawed in the State of New York. It appears the attached Assignment of Mortgage, was manufactured and prepared by the XXXX, the enclosed Assignment of Mortgage shows a XXXX Trust - and a fraudulent assignment in XXXX - 9 years AFTER the Trust had CLOSED! 
Trust documents are explicit in setting forth a method and date for the transfer of the mortgage loans to the trust and in insisting that no party involved in the trust take steps that would endanger the trust 's XXXX status, if the original transfers did not comply with the method and timing for transfer required by the trust documents, then such belated transfers to the trust would be void. The Trust itself can not hold ownership of the note because of its tax-preferred XXXX status. 
New York 's XXXX has erected an impenetrable legal barrier that prevents the Bank 's trust from acquiring a purported note and mortgage after the Trust 's closing date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. 
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. 
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. 
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/29/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister as well, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SANTANDER BANK, NATIONAL ASSOCIATION (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Santander  Bank frequently placed " fraud locks '' on my credit card account whenever I made purchases. I frequently had to call in to confirm the transactions. It was very frustrating because it happened often. To be clear, I am the sole user of this card and never had any disputes with the charges on my account. I also never used this card outside my home city.     Sometime in  XXXX    XXXX  ,  Santander Ban k put a " fraud lock '' on my account. This fraud lock was different because I could not resolve it over the phone. They demanded that I physically step inside the branch to resolve the issues on my account.     This is the issue with that request  : Santander Ban k does not operate any physical branches outside th e Northeast Region. I  live in  Chicago. I opened the account online in Chicago, I only ever used the card in Chicago, and I continue to live in Chicago a t this time.     On  XXXX   XXXX ,   XXXX  , I called in to request that my account be closed. The bank continues to refuse any service on my account due to the fraud lock. Again, they demand that I show up in branch.      Santander Bank open ly solicits their products and services to all states, that 's how I was able to obtain an account in the first place. I believe it 's outrageous for a company to expect their customers to travel outside their home state in order to address the issues on their account. I do not like that my account is being he  ld hostage on account of my residency in Illinois.
I have no immediate plans to visit any of the states that fall within Santander 's small footprint. Even if I did, I believe this is an issue that should be addressed by the bank at the policy level.       I will never conduct business with them again.

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 02/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I applied twice for a loan modification and was stringed along for over 6mos and encouraged to apply twice to have the same outcome. Now I am currently facing foreclosure and losing my home. Chase just does n't care I am just another number in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Designed Receivable Solultions, Inc. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX accounts reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. It has recently been reported as a charge off, which indicates that they are knowingly reporting misinformation. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations ( XXXX years ) to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Delinquent account

Complaint: First, I am having a temporary financial setback and I have tried to work with Discover Cards to mitigate the situation but it only seems to be getting worse. No matter what you say to them, they ignore you and try to set up a payment. As many times as I say, I ca n't commit to a pre-arranged payment, they do not listen and repeat the same question of setting up a payment. These people must be on some type of commission because they are relentless and they do not listen or respect the consumer. I do not like to make arrangements that I am not sure that I can fulfill. I feel pressure and I am usually depressed when I get off the phone with them after phone calls that have lasted over an hour. 
Second, they are leaving messages on my answering machine say there is some type of savings opportunity I should be aware of. Everybody within earshot knows that it is a call that I am behind in my bill and that is something that I do not want to share with the rest of the world. 
Last, on the last phone call, when I spoke to their representative on XXXX XXXX, I was told I was past due 60 days, which confused me. I did not know I was so behind in the account. The representative said that I started being delinquent one day after the last payment on XXXX XXXX, and I had made a partial payment after that. I found this confusing. Is this true or a marketing technique to put fear into the cardholder 's mind that they are worse off than they think? Is that true and legal? Thank you. I need clarification of the delinquency issue/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

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 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: We have paid all our medical bills with XXXX XXXX XXXX, forcing us to close our Retirement accounts in an attempt to avoid a negative impact on our credit We call Central Financial control to dispute a medical bill. 
Despite the ruling by CFPB, Consumer never received a debt validation notice. 
We called to request a debt validation notice. 
According to the ruling against Central Financial Control, '' The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company.

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 03-06-2016 about Credit reporting () with Risecredit, LLC (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Consumer is a victim of credit " parking '' instigated by Elevate Credit ( Rise Credit ) and XXXX. Placed a bogus 30-day late on my XXXX credit report. Elevate Credit ( Rise Credit ) has a policy of parking false information on at least one of the consumer 's credit reports -- keeping a false balance or false information on a credit report. This is done to force consumers to pay off the erroneous balance in order to obtain other credit or to protect consumer 's credit score from the artificially lowered score which directly resulted from Elevate Credit 's ( Rise Credit ) intentional and malicious conduct. 
In parking or allowing the parking of an account, Elevate Credit ( Rise Credit ) is well aware that it is violating the obligations and duties under federal and state law to accurately report the account and the balance. 
Elevate Credit ( Rise Credit ) know that parking a balance will lead to false and defamatory information being published every time the consumer 's credit report is accessed. This is exactly the malicious and intentional design behind Elevate Credit 's ( Rise Credit ) actions with the goal to force consumer to pay on an account that is illegal. 
XXXX maliciously, willfully, intentionally, recklessly, and negligently failed to review Elevate Credit 's ( Rise Credit ) information provided in the disputes and to conduct a reasonable investigation on consumer 's disputes, which led to XXXX either failing to delete information found to be inaccurate, failing to replace the inaccurate information with accurate information, and reinserting the information without following the dictates of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Payday loan () with Enova International, Inc. (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed a loan from CashnetUSA.net for {$800.00}. They have added an amount of fees that will total {$2300.00}, more than {$1500.00} past the XXXX owned. They have scheduled payments twice a month at XXXX for XXXX payments. This is outrageous!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation