milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  XX/XX/XXXX , I contacted  XXXX  directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both   XXXX   & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent 10 letters starting in  XXXX  and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By   XXXX   own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If   XXXX   had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with  XXXX  on  XX/XX/XXXX  at   XXXX   XXXX    C.S.T., I advise d the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio recovery purchased this debt. They are reporting incorrect amount due {$2400.00} on my credit report but reporting to XXXX {$1700.00}. They 've stated they will only refer me to the original credit for verification

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Experian, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Auto) with Moody, Jones & Ingino, P.A (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My XXXX XXXX XXXX account was levied on XXXX/XXXX/16 due to a collection over 9 years ago and I was never served to appear in court. I filed for Chapter XXXX bankruptcy on XXXX/XXXX/16, my account remains frozen and my family 's livelihood is in a critical state with no money. Additionally, on XXXX/XXXX/16 my XXXX XXXX account which is joint with my wife has also been levied. I have already filed for bankruptcy XXXX to repay my debts, unfortunately the attorney XXXX XXXX will not release my funds evern after filing for bankruptcy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Experian is not helping me over the phone and are not correcting errors 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 explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have had this mortgage since XX/XX/XXXX. My rates have been as high as 14 % during this time.I have had struggles with the payments as a result of the economy and the drop in real estate sales over the past few years. The predatory rate that still exisits on my mortgage has not helped matters any. My rate is still XXXX or XXXX points above market rate right now after XXXX modifications. I owe almost as much as I borrowed XXXX years ago. This is even after they claim they charged off {$120000.00}, which is also unfair action, given that I have to file that on my taxes and pay almost {$30000.00} in taxes that I can not afford. It is obvious that Chase does not want to make my home affordable for me although I have paid extreme predatory rates for years now. In addition, my loan is illegal to begin with, as it was originated from an unlicensed lender. ( XXXX XXXX XXXX ), now out of business and no NC loan license. It has been sold to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EMC Mortgage and now Chase. Precedent has been established in NC that mortgage loans originating from unlicensed companies or even individuals are subject to cancellation by the state of NC. I have tried to do the right thing in not filing suit on those grounds. It is doubtful that this loan will pass the smell test for securitization. I have worked along with Chase to modify and make arramgements that have not been in my best interest financially, and keeps me in a bind. My payments have been as high as {$4500.00} per month. ( when had variable rate ). The most recent payment arrangement that was offered to me this week is a prime example. I am already financially challenged and Chase wants a $ XXXX downpayment and ober XXXX per month. I have done extensive repairs to my home and want to keep it. It still has foundation settling that XXXX XXXX estimated in XX/XX/XXXX for over {$30000.00}. It has since gotten worse and many of my doors will not close properly and the fireplace is separating from the wall. This impacts the value and safety of my home. The value that has been placed on my property during this modification process is inflated because no one has been inside or on the grounds to see the problems. I have been disqualified unjustly for a decent modification because of false information on the appraisal. The homes in my area are older, not energy efficient and stay on the market on an average of XXXX years or more. The comps used in the value are out of my comp zone. That could be deemed as fraudulent. I really need a reduction in my balance to match the real value and a rate concurrent to market or below since there are programs from the President to help homeowners. Otherwise, this loans needs to be litigated in court to prove it is illegal and that I have overpaid all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and XXXX. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( XXXX XXXX ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my XXXX account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update 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 10-07-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: Shortly after filing Case number : XXXX with the CFPB Citi closed my credit card account. Prior to this time that had cut off my online access and would not allow me online access to pay my bill or review my account. I now no longer have access to any of my card history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Grant & Weber (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The following collection agency Grant and Weber is reporting two accounts that have been disputed in the past. The company did not inform me of the reinsertion.

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 11/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with Leading Edge Recovery Solutions, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: At leas t three times  a day, I receive a robo call from this phone number stating I owe a debt. Initially I contacted the phone number back and was told I owe a debt - they would not tell me who the debt was with and demanded me to pay it over the phone. I told them I did not owe any debt and to mail me whatever they were referring to. I have never received anything in the mail - but the calls continue every day - multiple times and at all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with Account Discovery Systems, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving phone calls at my place of work from this company called Account XXXX. That have interrupted my job and other duties at work. I do n't know who this company is or what debt they may be trying to claim that I have with their company. They called from this number XXXX and left a contact name of a XXXX XXXX, a woman left this name on the voice-mail message, but then left this number XXXX to make a return call. This is harassment I would like something done about this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Trouble during payment process

Complaint: We had Ocwen as our service. They charged us mortgage insurance and we never needed it. We were in a chapter XXXX bankruptcy and they messed our payments up from the trustee. We tried to modify our loan before our bankruptcy and they lost paperwork. Our names are XXXX XXXX And XXXX XXXX XXXX. My phone number is XXXX. Our current address is XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. The property in question was XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. Can we be part of a class action law suit? Thank you, XXXX XXXX XXXX email : XXXXXXXXXXXX

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 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied California (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have, a collection charge against my credit score for the amount of {$67.00} I would like to contact the debtor to resolve this issue. THERE IS NO PHONE NUMBER ATTACHED TO THIS BUSINESSES.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent letters and contact agencies to remove account, but no one responded. This account does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX through XX/XX/2017, my debit card number and pin were stolen and money was fraudulently taken from my US Bank account, XXXX separate ATM withdrawals XXXX for XXXX, XXXX for XXXX and XXXX for XXXX each, a total of XXXX. The bank allowed them to take my account over XXXX in the negative which caused XXXX in overdraft fees, this is something I virtually never do which makes me wonder why the fraud department did not catch this as fraudulent activity. But they did not catch this fraudulent activity, however ; I noticed it and reported the fraud on XX/XX/XXXX. I was informed I must submit a document which they would email me, I never received the document in my email, so I went to a branch to fill it out and have them fax it in, which I did on XX/XX/XXXX. They informed me that I could not have provisional access to the funds ( totaling XXXX ) for at least 10 business days. I asked when that would be and was told the money would be back in my account on Tuesday XX/XX/XXXX. And yet today, still no money. I called back today and was told that whoever told me that was mistaken and it wo n't be until XX/XX/XXXX, a full 19 days after the fraudulent activity. The criminals were not only allowed to take my account into the negative ( something I can not do ) they also exceeded my daily limit for withdrawals from an ATM. Why the bank did not catch this has not been explained to me. I have a 5 year pattern of withdrawing funds from the same ATM twice a month, and virtually never deviate from this pattern. The criminals who stole my debit card information greatly deviated from this pattern and still US Bank 's fraud department noticed nothing suspicious. The fraud department has not been in the least bit empathetic or willing to help during this time period. Having over XXXX taken out and not replaced for going on three weeks has to say the least posed difficulties. As soon as this is resolved, I will be moving my banking business to another financial institution. When I voiced these concerns to several fraud department employees they all had the same canned response showing that they really have no concern for the well being of their patrons. I strongly encourage all US Bank customers to carefully think about seeking alternate banking arrangements so you do not suffer the same difficulties in the event your card is compromised, something which is sadly inevitable in the world in which we live.

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 07/22/2017 about Debt collection (Medical debt) with Frost-Arnett Company (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Frost Arnett Company are continuing to try to collect on a debt that I have plainly told them was as a result of identity theft. I have mailed a certified letter and I have made a phone call to Frost Arnett to  tell them that the debt that they are attempting to collect on was due to someone using my personal information that they obtained when my identity was stolen. When I spoke to them on the phone they told me that they did not care if the debt was from identity theft that I just needed to pay it. I told them that I was not going to pay a debt that I did not owe, and they told me that if I did not pay the debt that they would have me arrested. I told them that I was not going to pay for a fraudulent debt and they told me they would report the item to all XXXX credit bureaus so that they would prevent me from being able to obtain credit until I paid the fraudulent debt. I told them that it was unlawful to defame someone 's character, but they told me that they would do what they wanted to do until I paid the fraudulent debt. The debt was from XXXX Hospital the account number for the fraudulent debt with Frost Arnett is XXXX. I have also contacted XXXX XXXX Hospital and told them this was not my debt and was as the result of identity theft, but they refused to speak to me and told me that I had to contact the collection agency. I told XXXX XXXX that Frost Arnett was verbally abusive to me and were threatening me, and they told m that they did not care that I had to contact them and pay the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Unifin Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me and demand over {$700.00} in medical Bill 's. Say they can give me 40 % off if I pay it through them, and not to pay the hospital to pay them instead.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received a collection notice from Linebarger Goggan Blair & Sampson for {$18.00} for License # XXXX. Their office confirmed that this is for tolls incurred in XXXX via Florida 's XXXX XXXX. In the time I have owned this vehicle and had this license plate, it has never been near XXXX. The office is uncooperative and unwilling to adjust the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation