milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/XXXX a debt collector called XXXX XXXX XXXX ( " XXXX '' ) unlawfully obtained a copy of my Experian credit report. The creditor did not have a " permissible purpose '' as defined in The Fair and Accurate Credit Transactions Act of XXXX ( " FACTA '' ). I have repeatedly reported this to Experian to no avail. Experian says it ' can not remove an inquiry ' which evidences a fundamental indifference to the complaint I am making. I have stated to Experian in no uncertain terms that it is not that I am trying to remove an inquiry from my report, but to prevent the infomation in my report from being released to one of Experian 's customers that has no legal permissible purpose to obtain the information. 

FACTA makes clear that " debt collection is a permissible purpose for obtaining a credit report under XXXX only in connection with a 'credit transaction ' in which a consumer has participated directly and voluntarily. '' XXXX ( XXXX ), XXXX. 

In this case, XXXX is attempting to collect on a beyond statute of limitations debt that allegedly arises from the towing and storage of a vehicle by a towing company. This is exactly the same situation in the XXXX case above, in relation to which Experian paid an {$8.00} XXXX settlement in XXXX. Likewise, in XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) the XXXX Circuit Court of Appeals held, just a few months ago, that a creditor may only lawfully obtain a credit report only if the underlying debt was in the nature of a credit transaction. 

Despite this, Experian is not vetting its customers to ensure this is not happening. Threre is no judgment, or contract, or credit transaction in this case. In fact, anyone can simply claim anyone owes them a debt but that does not then make it legal for Experian to divulge information in a credit report in violation of FACTA. 

An example of this extreme negligence on the part of Experian will now come in response to this very Consumer Financial Protection Bureau ( " CFPB '' ) complaint. Experian will conduct no meaningful investigation and almost certainly respond to the CFPB with a stock answer that does not address this complaint. Further, I expect Experian will do nothing at all to curtail the abuses of XXXX in unlawfully obtaining credit reports and using the information from those reports to harass the public. Experian 's indifference in this regard is a clear violation of the Fair Credit Reporting Act and Califonrnia 's parallel Consumer Credit Reporting Agencies Act.

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 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On, XXXX/XXXX/2015, I used the internet to get my XXXX score from Experian. I had to give them my debit card number so they could take a XXXX or whatever the cost maybe. On the weekend I tried to cancel my membership so I call the number on the internet just to find out they were closed. XXXX XXXX, 2015, I finally got in touch with a person who stated that she would discontinue my membership. I have a letter by email stating such. After that I noticed that my checking account was overdrawn. So once again I called Experian just to find out that they had stated that on the seventh day my account would be charged. I do n't remember reading anything pertaining to this. 
On, my bank statement you can see how it was after I made my call to cancel my membership. If I am not mistaken I do n't think they were closed on the weekend I tried. 
If I am not mistaken I believe that they already have your cell number so if or when you call before the 7 days are up they take the money out of your checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2017 about Payday loan, title loan, or personal loan (Title loan) with COMMUNITY CHOICE FINANCIAL, INC. (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: As of XXXX/XXXX/XXXX I attempted to go into the facility and make my payment using the payment methods that the company offers representative stated there system is down I asked would any interest that occurs daily would be waived rep called corporate ask to waive any addl fees was told no needed to make payment,. I went back the next day which was XXXX/XXXX/XXXX to attempt to make another payment mind you not I do not use a cash method due to tracking purposes this is '' why '' the system was down again came in Monday XXXX/XXXX/XXXX again to make a payment she advised system was still down asked if she could please attempt to try to take my payment In which she did and the payment went through. Now here we are again my bill is due went in to make a payment XXXX/XXXX/XXXX system is down again and it will be down per XXXX for an estimated week and yet no addl interest will be waived. the interest is 179 % at this point I am exasperated with the companies failed attempts for customers to make their payments regardless of what method is used I do n't live in the area so to keep coming out of my way and attempting to make payments and still be charged interest because of there system issues is not sitting right with me as a consumer. Just as they have their payment methods that they accept as a business mind you not I have the right to have my methods and be able to make a payment without issues and being charged extra fees because of their errors.

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 05-05-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In 2005 I refinanced my home with a interest only loan. The terms were 10 years interest only at 5.5 % what I did n't realize was that after the 10 yea years it turned into a 5 year loan at 5.5 %. My payment has gone from {$1800.00} per month to {$5900.00} per month. I had figured out what was happ- ening two years ago. My mortgage is with Wells Fargo and is serviced by XXXX America 's servicing Co . So in the last 2 years I have made numerous attempts to refinance and or modify. Wells Fargo rejected me twice for the mod after lengthy processes saying I was not in financial distress and suggested being delinquent for 3 months which I refused to do. 
have also tried to refi with them 4 times and was rejected because of income. Unfortunately my son XXXX 3 years ago and I stopped working for a year and a half. So being self employed they need 2 years of income history to refi. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IN).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I just open this account and I have had consistent issues with the customer service I open this account after having issues with XXXX XXXX XXXX and their customer service so I figured BMO after having such a wonderful branch manager open my account as soon as I would n't have the same type of issues since opening this account not even in my first 30 days I have had horrible customer service on the phone I have been told misleading facts and statements regarding my account on several occasions my account is locked at night about midnight due to BMO updating their system but when I enter the correct login information rather than disclose to me that well this system is updating the online and mobile access to my account is restricted it locks me out and locks me out the account so then I have to call back in to customer service to get my account reset for it saying that I entered the wrong login information when it 's really a system cause automated error I am to the point of beyond frustrated with this company I have tried on several times to close this account and I 'm being told that because I 'm closing it within the first 90 days I 'll be charged fees for closing all of my accounts at this point I 'm waiting for one more deposit to hit my account and at that point I will be closing this account and if I am charged a fee I will be suing the original branch that open my account because these fees were not disclosed to me nor was it disclosed to me that I would not have access to my own funds or account information due to Errors By The automated system at BMO Branch I am appalled and outraged at what awful shity service that they have provided to me in regards to my personal and business account with this low-class Bank.

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 09/21/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Settlement process and costs

Complaint: In XXXX of XXXX I was offered a forbearance loan by XXXX XXXX then in XXXX of XXXX I was transferred to XXXX XXXX for a loan Modification, now I 'm working with XXXX XXXX as of XXXX XXXX, all with the LoanCare Servicing company. In XXXX California passed a law that the loan servicing company had to provide you with a written letter that your loan modification servicer was going to be changed to a different person. I have been tossed around by XXXX different people and each has a different answer to any question that I ask. I 'm being told now that my final loan medication will take 90 days to complete during which time they will continue to report my loan to the credit bureau as being late. I have made all of my forbearance loan payment and trial loan modification payments on time and yet I 'm continued to be punished by them. This has caused my credit to be greatly effected. And I demand someone look into the practices of the LoanCare because every call to them yields a different answer.

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 03/22/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NY).
Issue: Managing the loan or lease

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Rewards

Complaint: To Whom it may concern, I 'm submitting a complaint as American Express is using unfair and deceptive practices as it relates to the issuance of Medallion Qualification Miles ( " MQM '' ) SkyMiles on their Delta Reserve Card. American Express claims to give XXXX MQM SkyMiles at XXXX different spending levels on their Delta Reserve Card ; a benefit for which they charge {$450.00} a year. They claim to issue XXXX MQM SkyMiles once {$30000.00} of total spend is reached, and another XXXX MQM SkyMiles once another {$30000.00} is spent for a total spend of {$60000.00}. However, the " Total Spend '' section of their website, which is the only place to track total spend, is according to American Express, not accurate. In my case, I tracked my spending for the entire 2016 year in order to meet the {$60000.00} threshold, and reached {$60000.00} in " Total Spend '' according to their website. When no MQM SkyMiles were issued, I contacted American Express and was told that although the website showed over {$60000.00} in total spend, that the actual amount was approximately {$57000.00} as the website included the $ XXXX in interest that American Express charged me, and those interest charges were not considered part of the " Total Spend ''. The only place to track spending is under " Statements & Activity XXXX Year-End Summary '' and it is labeled " Total Spend '' with no other disclosures or stipulations to indicate otherwise. As American Express is representing this amount on their website as the total spend for the year without stating, even in fine print, otherwise, it should uphold its agreement to payout the XXXX MQM SkyMiles as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Synovus Bank (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The complaint that I have is with fstprogress. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay fstprogress. I have not received anything that I requested and it is still on my credit report from all three of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My payments was XXXX to HSBC and somehow a different company received my payments. When I got the check I back, I XXXX it back with an address on their statement. I told HSBC to send an update statement to assure that my accounts was up to date. Never heard from them. My statement keep showing past due amounts and when I finally hear back from a rep they tell me my accounts is only the current payment due, so I ask for a current statement and I never get it. I 'm so stress and ca n't sleep..

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Payday loan) with Alliance Group & Associates LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company Alliance Group and Associates, LLC has contacted me on numerous occasions over the last 2 months, about a debt that is not mine ( it is supposedly my husbands ) They are extremely rude and hang up on me when I am trying to get verification. One particular man XXXX XXXX threatens and terrorizes. I have looked up his phone number and found several other people who he has terrorizes as well. A woman named XXXX refused the let me speak to a manager, and hung up on me. A man I spoke to this morning said he has worked there for 30 of his XXXX years on earth as well as being a XXXX veteran. I have asked for verification several times. They tell me they can not and will not verify until there is a payment made. No payment will be made until I receive verification. They tell me that the laws I have researched extensively are wrong that they do n't have to verify anything. It has already been done. I am now the one who pays all bills as well as the one they need to speak with I verify all information they need but they refuse to do the same, I have asked them to stop calling me since it is not my debt but they refuse and especially XXXX XXXX has told me that he will continue to call and harass me even though I am not the one who owes. Been hung up 4 times and people refuse to allow me to speak to a manager. All very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...

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 01/16/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, Carrington Mortgage Services, LLC, purchased my Loan from XXXX While I was In dispute of it being an illegal loan. Before the final papers where supposed to be signed I contacted by phone CMS to not complete the transaction because of the dispute. But, HUD had already allowed XXXX to sell and claim the Insurance. I wrote to The CEO of Carrington explaining that the original Deed covered under the First time Homeowners program had restriction which were ignored in creating my loan, thus making it invalid. Carrington has also ignored these restriction. I am attaching the part of the the deed restrictions as pointed out to me by the director of the XXXX County Housing Authority which overseas the XXXX program. I also had a second mortgage with XXXX and after researching the restriction, released my Lien in full. I am also attaching a copy of the Lien Release. I have asked XXXX to release my Lien and now I am asking Carrington Mortgage Services, LLc to also release my Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This XXXX loan was paid in full and still showing a balance of {$1300.00} in 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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at Equifax that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The Equifax breach allowed other attempts o my and millions of other XXXX  XXXX with the past year. I Believe if CFPB can not compel XXXX to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
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 have two collection accounts that were for medical bills and on both occasions the account was opened and then negatively reported within two months time. I paid in full the collection accounts and these should be removed from my credit reports according to the Medical Debt Relief Act of 2016.
Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or ( 2 ) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period ; and ( 3 ) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.
I have disputed these collection accounts to be removed but two of the credit reporting bureaus sent me their responses saying the accounts remained the same. They did not provide me with any information about what the investigation process was and why they remained unchanged. ( One of the credit bureaus did remove the collection accounts right away though ). The accounts in question are for medical bills from The XXXX XXXX, XXXX which were turned over to collections for payment. The accounts were opened and reported within 2 months time and this was even though I settled with the collector to make payments and I paid the debts off. I want these removed from my credit reports please. The two remaining credit bureaus are XXXX and Experian. XXXX took care of the inaccuracies. Please enforce this with the other two because they are not responding to my disputes in an ethical manner.

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