milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: On XX/XX/XXXX, a dispute was initiated with XXXX Credit reporting agency and Transunion CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by XXXX. On XX/XX/XXXX, I spoke with Representative XXXX from XXXX, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' XXXX send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.

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 11-10-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for a home equity line of credit from my bank. During the review process there were some missed mortgage payments. I explained to the loan processor that my wife had passed away and automatic payments drawn from our accounts were stopped upon her death. I told them that I was unaware of this due to circumstances related to bereavement. 
The amount of money that I make annually is adequate and is going to be enough not to exceed service to income debt, but what is most is most important is that I do n't owe money except vacation property that is over XXXX more in equity value than when I purchased 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 06/24/2015 about Student loan (Non-federal student loan) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: while checking my credit report I found a enquiry about a student loan with ACS Education Services in XXXX XXXX, NY. I call them on XXXX and spoke to XXXX about this matter and she wanted my SSI over phone andni kindly refuse to do so. I explained to here that the pulled a credet enquiry form my credit report and that was not me looking for a student loan, I 've not looking for a student loan from anyone cent in was in bankruptcy chp XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experien failed to investigate. Had they did a proper investigation they would have realized XXXX XXXX XXXX had broken multiple laws. Instead they chose a short cut three times and updated what public records has stated. This is not a joke, it 's my life, my way of living, providing for my daughter 's and I expect to be treated fairly. Third dispute and they update a foreclosure. These workers are not doing full investigations, they need to understand steps and procedures to follow when a creditor, lender breaks the law. I like to know I would be protected, instead i feel im being treated unfair and onesided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Solomon & Solomon are reporting an old XXXX bill as owing XXXX. I have asked them to provide me proof of the amount owed as I know I do n't owe what they state. I filed with the Attorney General office and finally got some documents that show that they are collecting and amount that does n't belong to me and they continue to report it erroneously. I have been disputing this for over 3 years. The attempted to make their own excel spreadsheet and pass that off as what I owe. Once they provided all the supporting docs it showed that there was an amount transferred to my bill for XXXX that does n't belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I mailed out a Debt Validation letter to Macy 's On XXXX XXXX 2017. They responded but did not provided any Validation with my original signature. This account is impacting my credit score and is stopping me from getting a Mortgage.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: File # XXXX The Following Inquiries have been placed on my report without my authorization ; written or verbal and I have requested removal. Transunion responds only to tell me what an inquiry is. My concerns have not been given the needed attention to be addressed. 

The following inquires should be removed : XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX- I did not request this. This item should be removed from my file per fcra. I was sent this card in error and immediately had this account closed as I did not authorize this. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these were supposed to be coded as soft inquiries for account review and should therefor be removed per FCRA XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - I did NOT authorize these two inquiries and requested removal per FCRA XXXX # XXXX - This item is reporting as current or paying and is misleading as if I still have this account. However, this account has been closed for at least 4 years and was absolutely never late. I requested this inaccuracy be deleted from my file

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 05/27/2017 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Regarding collection agency I requested proof from LJ Ross Associates to provide me with contractual proof that either they have a right to collect on behalf of the original debtor (  XXXX   XXXX   XXXX   )  or that they own the debt itself and I have gotten nothing from this company. In order to collect the debt, they have no license in the state of Michigan and is not bonded in the state of Michigan. I have looked in the state of Michigan licensing to verify if this company has a license and I could not find one. Do they have a right to collect or not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Fraudulent activity caused my account to be overdrawn and frozen. My funds were taken by the bank and I do not have access to the money from my account. The problem was reported and followed up with phone calls, messages, and in-person visits. The bank took the money I should have given back to me.

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 01-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. ().
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Midland Funding purchased an old credit card debt of mine in 2015. I was sued by Midland Funding on XXXX XXXX, 2015 for {$2900.00} and served a summons at my parents address ( listed above ) in XXXX XXXX. At this time, I was visiting for the holidays. I currently reside in XXXX. I understand this may be a violation of the Fair Debt Collection Practices Act, though I have waived my right to sue in a settlement agreement. 

Both Midland Funding and XXXX XXXX XXXX have previously been successfully sued by the state of XXXX for violations of the FDCPA. 

Prior to the lawsuit being filed, XXXX advised me that they would not consider a settlement on the account. However, after the lawsuit I was able to obtain a settlement of {$2100.00} from XXXX XXXX XXXX. I brought certified payment for the full amount to the offices of XXXX XXXX XXXX and asked that a dismissal with prejudice of the lawsuit be provided, in accordance with the settlement agreement. I was provided with a document that stated it was a dismissal with prejudice in the header but in the text stated " dismissal without prejudice. '' After having paid the settlement amount in full, I would have expected more attention to detail on behalf of this legal firm. After pointing out their error, I was provided with the correct document.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with DISCOVER BANK (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX has called me and threatened to sue me for a debt that is very old 20+ years. They stated that they were going to put liens on my cars and house and reposses them and destroy my credit. They also told me that I was an " XXXX have no sense at all and must have been XXXX XXXX XXXX XXXX  in the XXXX making my XXXX '' ( Those were there exact words ). They are claiming that it is a discovery card debt of a little over {$1000.00}. from XX/XX/XXXX, to the best of my recollection I did not even have a discover card in XX/XX/XXXX. All my debt payments from approx XX/XX/XXXX are all up to date. They have also called and harassed my wife and mother in law on the phone ( they of course have never been given consent to contact those numbers ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have never open any credit cards by CHASE BANK USA , NA. I am showing XXXX accounts total. They are showing {$36000.00} ; {$8100.00} ; {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has announced a major data breach. I followed the process on their website, equifaxsecurity2017.com, which promised a message telling me whether my data had been compromised. I received no message, only instructions to return to the site in a week, when I could enroll in their credit monitoring service. I tried the phone number provided, and was on hold for about 10 minutes, then I received a message telling me they had too many call, and that I should call back later. Then the system hung up on me. There is no email address provided for inquiries. It seems I can not reach them, and I can not find out whether my data was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: theres tons of credit cards on my account that are not me i dont know who has my information and i dont know how to go about this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/2017 Kohl's- {$560.00} 30 days passed due XXXX/XXXX/2017 Kohl's- {$0.00} 30 days passed due I spoke with Kohl 's about this issue, telling them my bank recently changed my debit card to a card with a chip and a new number. So the automated payment would not go through on my old card. I have never received an email, letter, or a phone call regarding this matter. I have never missed a payment prior to this with Kohl 's or any other company in the last 13 years. I 'm in the middle of buying a house and it dropped my credit score XXXX points for a {$52.00} minimum payment. I have paid the card off in full and I am trying to get them to delete this completely unecessary delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The response to my complaint indicated that Equifax had previously removed the disputed item on two separate occasions from my credit file and now it has been added back  a 3rd time  under a different name. Please review your past files as you will see that you have already removed this same disputed item in the amount of {$640.00} under  XXXX  different creditors names in the past. The issue is they are selling the account and it keeps getting placed back into my credit file which is illegal since it was already disputed and removed twice.   This was Equifax 's response to the latest issue and the reason they do n't see the other names mentioned is because Equifax had already removed them from my file in the past. Equifax reinserted the same disputed item just under a different creditors name.  <P/> Dear  XXXX   XXXX , we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that all account data contained in your Equifax credit file is electronically reported and updated by the data furnisher. Equifax did not reinsert the accounts listed in the complaint. The following disputed items are not currently reporting on the Equifax credit file :   XXXX   XXXX   XXXX   FOR {$640.00} AND  XXXX . The disputed  XXXX   XXXX   XXXX  account number ending in  XXXX  has been verified as reporting correctly on the Equifax credit file with your name, current address and social security number. Adverse accounts will remain on the Equifax credit file for up to 7 years from the date of last activity or date of first delinquency. Written confirmation has been sent to you on  XX/XX/2017   . A complimentary copy of your credit file has been mailed on  XX/XX/2017   , please allow  7 to 10 business days for delivery. Please note that for future disputes of credit report information, you may visi t www.equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Oportun Financial Corporation (CA).
Issue: Struggling to pay your loan

Complaint: Company keeps harassing me, calls me feom different numbers and like 20 calls from this company. I work and company calls me like 20 times and I can not work. They call people that I know to get information from me. They threaten me to sue me if I do n't pay but I told them I will pay

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Credit card) with Augusta Collection Agency, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Augusta Collection Agency is vicious. I contacted them to pay once I found out the bill existed ( someone else actually used my credit card, but I wanted to pay it so it would not hurt my credit ). Augusta Collection Agency messed up the information I gave them to pay the bill. So, they called me, but my friend answered. They discussed the debt with this third party. Then when I called and complained the woman was rude to me. I asked for the manager and he got on the phone and was worse. He yelled, was profane and threatened to refuse to accept my payment and send the bill to collections, if I did not apologize to them. He was lying to me, because I did not know at the time it had already been reported on my credit. So, I had to apologize to them for them to accept my payment, even though they were in the wrong. They are horrible, XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio recovery constantly harasses me about some debt or another that i do not owe. I have pulled my credit file from all XXXX major credit companies and took care of XXXX issue that had shown up. It was by XXXX XXXX XXXX. I contacted XXXX about the debt and they said there was no debt on my account or I would not have a cell phone with them. I then file a complaint with all XXXX companies and asked that they take this off of my file. This was done I think over a year ago. All XXXX companies took this XXXX XXXX XXXX fictitious debt off of my credit score. 

I have told Portfolio recovery to quit calling me as per the government web site and advise from my Attorney and they still call and try to intimidate me by threatening me. I have no debt yet about every 3-4 months they pull a soft credit to see if they can get money out of me that I do not owe. I can see that this company has had many complaints and I am not sure why the Federal Government has not shut them down. 

I show no delinquent debts on my credit score. Any issues I may have had are more than 10 years old and had been paid off. 

The phone number used this time was XXXX. I am aware that they have over XXXX phone numbers that they use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was originated XXXX XXXX, 2006 with XXXX XXXX XXXXXXXX Lender. The interest rate at that time was 8.5 % on an adjustable rate mortgage which I expressed was high but the Loan Officer with XXXX Mortgage assured me he would refinance the loan in 6 months to a fixed rate. Well to no avail, I 've been trying since 2006 to get help with this loan because the interest rate is now 11.13 % which is totally ridiculous. This Loan Officer also falsified information on this loan as well. He stated this home was my primary residence which he knew it was n't since I live in XXXX and the home is located in XXXX where my Sister resides and has ownership interest in the home. I simply want the interest rate lowered so the payment is affordable. I 've applied numerous times for a loan modification and been denied for so many different reasons including, it 's not your primary residence, you make too much money, now I 'm unemployed the excuse is my credit score is too low and the income provided is n't enough which was a rental income option Di-Tech suggested and still turned me down. These companies play the paper game and have no intentions of helping the consumer. I have yet to know who the actual note holder is. XXXX XXXX XXXX denies being the owner, as well as Bank XXXX who XXXX said they sold it to. This home is probably worth $ XXXX if that with a monthly payment of almost {$900.00}. I have several entries on my credit report stating I 'm in the arrears over $ XXXX and have a balance of over $ XXXX being reported by Di-Tech and other Loan Servicers in the past. I need help so badly with getting this loan resolved. It 's ruin my credit and caused so much stress. Any help you can offer would be greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Numerous time since XXXX XXXX Seterus has put my mortage account into a false active bankruptcy status. XXXX XXXX Seterus submitted a false report to the credit agencies that my account is in active bankruptcy and in default. Since XXXX XXXX numerous times contacting Seterus and currently XXXX XXXX. Seterus has stated in writing that all issues have been resolved and corrected. Seterus has stated numerous times since XXXX XXXX that my credit report has been corrected and reflects current activity. All XXXX credit agencies, XXXX, XXXX, and XXXX have not been updated since XXXX XXXX. XXXX still reports that my mortage is in active bankruptcy and derogatory. Seterus states everything is current which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and   XXXX   credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from CREDCO  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The  debt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}

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