milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have filed a dispute with Equifax regarding inquiries that I did not authorize nor have any knowledge of. I contacted the creditors shown on my report and they advise me to contact the bureaus to get it removed. I attempted this multiple times with the most recent attempt being on XXXX. My confirmation number was XXXX. The inquires I disputed were as followed : XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXXk on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these inquires are made unauthorized. I have attempted to contact the creditors and get told to contact the bureau directly to have it removed. These inquires are holding me back from moving forward with my credit. I have filed as a victim of identity theft with the federal trade commission. I am attaching a copy of my credit report showing these inquires as well as my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (NH).
Issue: Billing disputes

Complaint: I disputed a charge with barclaycard, in writing, over 2 months ago. I have proof of this as I used an online registered mail service, so I can prove I sent the letter and prove the content of said letter. I closed my account a few days ago, and in my final bill they reposted the disputed transaction. When I contacted them they sent form mail telling me to submit another dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We bought single family house in 2006 than recession come. 
We have XXXX mortgage with XXXX and XXXX mortgage with CITI BANK. 
We had problems to pay our mortgages so after couple of years we refinanceour XXXX mortgage with no problem, but CITI refused to refinance from beginningand still refusing. Current mortgage rate is 4 %, but we still have to pay for thisvulture, greedy CITI BANK 9 %. We have still difficulties to pay mortgages and CITI BANK does not care about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Other mortgage) with MCLEAN MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: McLean Mortgage Co. of XXXX, VA pulled a copy of my credit report without my authorization on XX/XX/2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with Unifin Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continues to call me even though I am not the person they are trying to reach. I have told them numerous times that I have no contact with the person they are trying to reach and have asked that they stop calling. They continue to call and immediately hang up. When I call them back it goes to an auto attendant that transfers me to an extension where noone is available and the voice mailbox is full and can not accept new messages. The number that is calling is XXXX ( Univin Inc. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Repeated unwanted robocalls to government work number where several people have access. This message indicates the call is regarding debt collection " This is an important message from Transworld Systems Incorporated, a debt collection company. This is an attempt to collect a debt, and any information obtained will be used for that purpose ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: continue to report a bankruptcy as discharged and it was dismissed. see documentation of closed and dismissed see below

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with CONVERGENT OUTSOURCING, INC.. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CONVERGENT OUTSOURCING , INC . I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My home located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX is being auctioned on XXXX XXXX of this month for the 2014 taxes not being paid. I reached out to Loancare Servcing to resolve the issue, as my taxes were escrowed through them. My XXXX 2014 mortgage statement shows the taxes were paid, but they were never received by the local tax collector. The tax collector said the taxes either have to be paid or I can give them a copy of the cancelled check to stop the auction. I reached out to Loancare, and they have been non-responsive to my request, despite the urgency of the matter. I emailed them on XXXX XXXX, as per their request, and they said they would get back to me in 5-7 business days, and they never did. I call every day and try to speak to the manager ( XXXX XXXX ) at Loancare Servicing, but she never calls me back and no one else can help me. I was told I can not reach the tax department by phone, so I have to just wait. I did fax them all the information in addition to emails and calls I have sent. I need your assistance to try to resolve this matter before the tax sale on XXXX XXXX since Loancare Servicing is not doing their part. Thank you! 

XXXX XXXX XXXX, also 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 08/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX Campus XXXX XXXX XXXX and XXXX ran hard inquiries on my Equifax Credit report and XXXX Credit Report. XXXX removed this hard inquiries since I did not authorize them and never heard of these companies before. 
Equifax still has not removed them from my equifax credit report. 
We still need this to happen. This is our second request to have these unauthorized fraudulent hard inquires removed from our equifax credit report. Do n't understand why equifax is not doing what XXXX did and remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WA).
Issue: Taking out the loan or lease

Complaint: I refinanced my loan car with XXXX XXXX credit union on XXXX XXXX. A payoff check was originally sent out on XXXX XXXX it was discovered that the check did not get received at the address provided them for payoff. XXXX XXXX put a stop payment on that check and reissued a new payoff check has not been reconciled so today is XXXX XXXX and stillwells fargo did n't receive the payoff so now I am penalty with almost 90 days with wells fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2015 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Unsolicited issuance of credit card

Complaint: Started receiving credit card statements from PayPal Credit. 
I NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collection company has repeatedly used multiple phone numbers and attempted to contact me at all times of the day, multiple times. This company also posed as a potential employer and called my parent 's home phone number looking for me. They lied, and said they were calling from " XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Other

Complaint: I contacted Chase back in XXXX 2016 to have my payment due date changed to XXXX XXXX each month to have the same due date as my other account. The failed to do so and my account. Again, my payment due date should be XX/XX/XXXX instead of XX/XX/XXXX. 
Chase is reporting my loan 30 days delinquent for XXXX 2016 and XXXX 2016. In called in twice to remit telephone payment on XXXX XXXX, 2016 because they lost my mailed payment and assessed me a fees. However their systems did not report in the systems Finally, I logged on XXXX XXXX, 2016, and made the past due payment of {$180.00} to avoid negative credit reporting. My payment due date is on the XXXX of each month ; as such, XXXX 2016 should not be reported late. I called the representative today and she said that the minimum payment was not satisfied because a new billing statement was issued ; however, the phone and internet information was inaccurate and I paid what was reflected online. In XXXX 2016, I mailed in my payment and again it was lost my chase. Researched my bank records and show that the payment was not received. I was out of the country and called the payment in on XXXX/XXXX/2016. Chase took two days to reflect that the payment and my online inaccurately reflect that payment was made on XXXX/XXXX/16. This is due to bank error because I made the payment on XXXX/XXXX/2016. As such, my credit is being adversely impacted due to bank error committed in XXXX 2016 and XXXX 2016. This is ridiculous and predatory practices in violation of FCRA. The supervisor I spoke with today was very rude and unwilling to hear me out. Specifically, he did not understand or hear that I made my payment before the 30 day cut off date. As such, I am filing a formal complaint against that person as the call. I am unable to refinance my house due to negative credit reporting. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A dispute was submitted to Experian concerning XXXX accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for the month XXXX and XXXX which should not be there. The car was paid in full XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full. 

XXXX XXXX XXXX was a previous collection account that was closed and removed from my credit report in XXXX XXXX. A notification was not sent to Experian which prevented the account from being removed.

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 06-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX   XXXX ,  2017 , I made a payment in the amount of {$70.00} t o Synchnrony B ank via their online system. I used the same banking information I had previous utilized for past payments. After I completed the transaction I was not provided with a confirmation number, and the page froze. I waited to see if the page would refresh itself, and it did not. I then minimized the screen and opened up anot her window to go back to the website. I was unable to get back into the website after 3 attempts. I then opened up the smaller screen to see if there was activity on the page, and the screen has turned blank. This is an ongoing issue with the website for the company. On more than one occasi on the website has experienced a glitch during payment, or has failed to respond to commands. On  XXXX   XXXX , I received a notification  of a 30day late pa yment from Synchrony bank posted to my credit report. I checked my bank account to see if the transaction had posted to my account and it did. I immediately called Synchrony Bank but was told nothing could be done to assist, the payment was not in there system and that another payment could be made, yet the late charge would not be removed from my credit profile.  <P/> I am in the process of purchasing a home for my son and I. I am a single hardworking mother that strives to pay all of my obligations on time on a monthly basis. I experienced a  XXXX  point loss on my credit profile due to the technical difficulties of the company, and I was simply brushed off with a pacifying " I apologize ''. I have had this account for over 1 year and have experienced the most difficult representatives in customer service out of all of my accounts. This inacurrate and negative item has halted my homebuying process and has caused severe emotional distress in my life. Every month there is a different issue with this account, the fees attached and the way the account is being billed.It is never consistent.

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 11/14/2016 about Debt collection (Medical) with Southern Credit Recovery, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a bill from the doctor 's office for a balance. The bill was paid at the doctor 's office. Per the doctor 's office everything was in fact paid in full. Thinking that this one bill must have been overlooked somehow I went ahead and paid Southern Credit Recovery , Inc {$40.00} ( ck # XXXX ) on XX/XX/2016. After paying the collection company I continued to receive bills. I forwarded to the collection company a copy of the cleared check. Even after I have forward to the collection company multiple times a copy of the check and notifying them the bill was paid they continue to send demand letters. I then requested them to no longer contact me and that request too have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried to delete this account from midland numerous of times. I do not owe midland funding any money. Their policy listed on the website says " per our policy, we will stop credit reporting on accounts that are more than XXXX years past the date of the delinquency so how do i still owe this company. Midland have also ignored my request for validation i sent certified mail ( i have attached the letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (CA).
Issue: Closing on a mortgage

Complaint: I am refinancing my existing Citibank Heloc with another bank. The process has gone very smooth with the exception that Citibank has not provided a payoff demand. 
One was obtained about 45 days ago but became old then a second one was requested about 3 weeks ago but Citibank is not responding. The escrow officer has been calling Citibank everyday but Citibank has not provided one. 
I was contacted by escrow for help and I have called the customer service 3 times for assistance but so far nothing. I have even faxed requests on XX/XX/XXXX and XX/XX/XXXX ( today ) but nothing yet. I have explained to Citibank that my lock will expire, that it will cost me money but they just do n't care. It should not take over three weeks for a bank to provide a payoff demand.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Re : Old Debt Item Dear Sir or Madam : I am writing to request the information that your company provided to national credit reporting agencies be removed from my credit report. According to the XXXX credit bureau, this account was charged off on XXXX XXXX XXXX in the amount of {$3500.00}. The initial delinquency dates back several years ago during my XXXX studies. This account became delinquent because of financial hardship that I experienced in the past. In the years past, I have begun to rebuild my credit and established a good payment history with my current creditors. As a show of goodwill, I kindly request that XXXX remove this item from my credit history. Please contact the national credit reporting companies to which you provided this information and have these agencies delete the stated collections item, as soon as possible. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease

Complaint: I disputed inaccurate information with credit bureaus and creditor and they still report inaccurate and false information on my credit report. I had an auto loan with Capitol One several years ago. the truck was totaled out while I was in bankruptcy and the truck was paid off in wage earner program through bankruptcy. Creditor continue to re age and report inaccurate information on my credit report even through dispute. The XXXX bureaus have different dates, balances, and dates of first delinquiences. XXXX reports that ive made payments I never made. XXXX has XXXX different charge off dates. XXXX says that my balance was paid off from my wage earner account on bankruptcy. This inaccurate information and re aging of my date are illegal by my understanding. Ive disputed sevral times with credit bureas and this is the next step I understand a consumer should take with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After many years of avoiding this debt collector, I gave in and called Portfolio Recovery Associates LLC with the intention of attempting to settle my debt THAT day ( XXXX/XXXX/2017 ). My original debt was through XXXX for a total of {$420.00}, and after speaking with several different representatives, we agreed on a settlement {$270.00}, which was paid for during the time of the call. I asked three times, for the sole purpose of confirmation, if this was actually going to close the account and I was told each time that it would. I finished off the call with a manager who gave me a Plan ID, but also told me that if I didnt want the number, Id never need it anyway, which was suspicious. I was also told that Id receive a letter stating that the debt was paid and full within a 10 days. I didnt.
The call struck me as being odd because for their recording purposes, they kept making me repeat the same answers that I very clearly already stated. In hindsight, Im now pretty positive that the recording was being manipulated.
Now I am alerted that they did not close my account and that I still owe {$150.00}. I went to Portfolio Recoverys website so I could confirm this alert and when I looked at my account, it, too, stated that I still owed XXXX.
I know they will continue to lie to me and manipulate any statement I make because thats what debt collectors do, so I refuse to trust them again and I will not attempt to handle this matter on my own again.
Its sad to know that I was better off just ignoring them. So much for trying to be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with Sullivan Asset Management, LLC (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX of XXXX calling me daily and calling my relatives and threating me with supenoeas and legal action about a past debt. They have called me and my relatives mutlitples times. They need to stop and just send me complete documentation of the debt and what i owe.

Company response to consumer: Closed with explanation