milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XX/XX/XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XX/XX/XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE 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 08/20/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (KS).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: CALLED XXXX XXXX AT XXXX AND LEFT THREATENING VOICEMAIL. SHE IDENTIFIED HERSELF AS COURT ORDERED OFFICER NAMED XXXX XXXX, SHE DID NOT IDENTIFY WHO THE CREDITOR WAS OR EVEN THAT IT WAS A CREDITOR JUST THAT CRIMINAL CHARGES HAD BEEN TAKEN ON ME, THAT IT WAS GOING TO BE MATTER OF PUBLIC RECORD AND THAT ALL MY LEGAL RIGHTS WERE FORFEITED. 
SHE THEN FINISHED THE VOICEMAIL WITH STATING THAT SHE WAS CONTACTING MY EMPLOYER AND WOULD BE THERE SOON TO COME AND GET ME AND NO MATTER WHAT I WOULD BE LOCATED AND IT WOULD BE AT MY JOB. 
I TRIED CALLING HER NUMBER BACK SEVERAL TIMES WITH NO ANSWER AND NO VOICEMAIL AVAILABILITY. 
I TRIED CALLING THE NUMBER SHE GAVE ME SEVERAL TIMES AND IT WENT TO A VOICEMAIL THAT WAS TOO FULL AND THEN SAID ERROR, SO NO WAY FOR ME TO LEAVE A MESSAGE. 
I CALLED THE COUNTY SHE SAID THAT THE ORDER HAD BEEN FILED AND ORDERED IN AND TALKED TO BOTH THE DISTRICT AND MUNICIPAL COURTS AND THEY BOTH HAD NEVER HEARD OF HER, COULDNT FIND A CASE WITH MY NAME ON IT, AND ALSO SAID THAT THE CASE NUMBER SHE GAVE ME WASNT EVEN IN THE CORRECT ALPHA-NUMERIC SEQUENCE FOR A CASE THROUGH THEIR COURT. 
SHE CALLED BACK ON XXXX XXXX AT XXXX XXXX AND I WAS ABLE TO ANSWER. SHE AGAIN DID NOT IDENTIFY WHO MY ACCUSER WAS ( EVEN THOUGH I TOLD HER I HAD CALLED THE NUMBER SHE HAD PROVIDED SEVERAL TIMES AND WAS N'T EVEN ABLE TO LEAVE A MESSAGE ), JUST THAT SHE HAD A COURT ORDER TO PICK ME UP. 
I CONFRONTED HER WITH THE INFORMATION THAT I HAD OBTAINED FROM THE COUNTY COURTS AND SHE RESPONDED, " THAT VERY WELL MAY BE, BUT YOU STILL HAVE 3 CRIMINAL CHARGES AGAINST YOU AND SHE HAD AN ORDER TO LOCATE ME AND WAS GOING TO COME AND GET ME IMMEDIATELY FROM THE ADDRESS ON FILE. " AND BEFORE I COULD SAY ANYTHING ELSE SHE HUNG UP.

THE NEXT DAY, I CALLED THE NUMBER SHE PROVIDED AGAIN AND THEY FINALLY ANSWERED AND IT WAS A REPRESENTATIVE FORM ADVANCE AMERICA. 
I HAVE HER ORIGINAL VOICEMAIL MESSAGE TO ME SAVED.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Medical) with EOS Holdings, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection showed up on my credit report in XXXX and I did not know where and why it came from. Now that I checked my credit report they have re-aged this and dated it XXXX XXXX XXXX. There is absolutely no way I owe this and it got placed XXXX. I did n't receive a single notification about this, and how you can re-age some sort of collection, I believed re-aging is unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a legitimate-looking letter in the mail from debt collector Convergent Outsourcing , Inc . It claims that I have an account with XXXX, with a past due balance of {$190.00}. It claims to offer me a reduced balance of {$96.00}, as a one-time-only offer. 
I do not have an account with XXXX, nor do I live, or have ever lived, in a state in which XXXX offers services. I called XXXX to make sure this is not a case of identity theft, and they confirmed that I do NOT have an account with them. 
This is a case of fraud, but I am not sure if the company Convergent Outsourcing , Inc., itself is the perpetrator, or if there is another party posing as Convergent Outsourcing , Inc., to carry out this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Feldman & Stern, LLC (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This number keeps calling me and saying they are  XXXX   XXXX   XXXX  trying to collect some kind of money from me. I told them I was paying the  XXXX  they said I owed so they said 'ok we can can split it in half for and ill take a credit card over the phone now for  XXXX  '' For one thing that is not half and they said I owe for some gym membership in South Carolina and I have n't lived there in over a year. He started getting real nasty with me on the phone and yelling at me. I do n't even know what this guy is talking about. I told him to leave me alone or to send me something by mail and I never got it. But he keeps calling me and now he is calling friends and my job telling people I am going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRY 'S ON 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 12/15/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: This account surpposeto be close sine XXXX however the creditors been taking money out of my pay check.

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 05/22/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I was looking to purchase a used vehicle last  XX/XX/XXXX . I went to a dealership and we were negotiating a price for a car I liked. I told the salesman that I could probably get the loan from my bank at a good rate. He insisted that the dealership does in house loans and they could probably match the rate and save me the trouble. I told him that I do n't need my credit to be ran around and bounced from lender to lender and he assured me that would n't be the case. Well, I checked my credit report and they tried to get the loan from atleast   XXXX   different banks ( none of which I 've ever even heard of  )!  That  's    XXXX   hard inquires on my credit on the same day! That 's it in a nutshell.

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 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been trying to dilute a bankruptcy on my report from Experian. The reporting agency Experian has used to verify the bankruptcy is XXXX XXXX. My XXXX file has been frozen since XXXX XXXX, 2016. Experian keeps claiming they are verifying information on my credit report and that the source of verification is XXXX XXXX. How is this information accurate if my XXXX XXXX is frozen. Attached is a documentation of my XXXX XXXX consumer being frozen. Experian is not in compliance with the FCRA, XXXX and CFPB

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 10-12-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep getting a phone call from an area code that is local to the number I have. They say that they have to talk to me about collecting I debt. I have no debts that would be calling this way. I have done research and this particular company is known to be shady, putting things on your credit and stealing money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed with equifax a dispute about XXXX account it has been consumer dispute no resolution 's for over 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I  XXXX   XXXX  file a CFPB complaint as I believe that  XXXX   XXXX   XXXX  is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My  XXXX  credit report shown my firs t 30-day l ate payment f or  XX/XX/XXXX  . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  XXXX  account would come off   XX/XX/XXXX .   XXXX  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe  that 7-year r ule would already apply and that the  XXXX  account should already be removed. Accordingly, I will be satisfied with  a  XX/XX/XXXX  remova l date. The Equifax credit report has cut off the same six-years of payment history, and shows a beginning date of   XX/XX/XXXX . T he  XXXX  credit report showing   XX/XX/XXXX   is acceptable, and I need verification from  XXXX   XXXX    XXXX   that the account information will be remove   XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Loss of employment for both borrower and co-borrower XX/XX/XXXX. /loss 75 % of income/stopped paying XX/XX/XXXX /currently owe 14 months/ filed chap XXXX bk in XX/XX/XXXX /chap XXXX bk discharged XXXX ; XXXX  was servicing mortgage and sold XXXX to rushmore /our income changed submitted loan modification request to rushmore XXXX XXXX and rushmore stated loan modification denied XX/XX/XXXX /due to non-sufficient income received this denial communication via email/ atty for rushmore requested " motion to lift stay '' in XX/XX/XXXX / today XXXX Judge approved stay to be lifted/ auction date set for XXXX the above information is a timeline of events. We have received 4 denials/ modification/deed in lieu/ short sale/relocation fees all of our requests have been denied by the XXXX. We admit we owe the 14 months in mortgage payments. however, with the bankruptcy discharged we now have sufficient income to make the monthly payments but the bank is stating otherwise. deed in lieu was denied because of liens on the title from Keep your home california and liens from XXXX and XXXX. relocation fees were denied initially but currently we have ongoing negotiations with rushmore. I am an XXXX veteran looking for assistance in communicating with our bank or we will be homeless. The bank wo n't even consider any programs for my military service I have to believe there is something they can do for us. We need assistance with finishing negotiations with the bank and come to an agreement to move out with dignity. we do n't want to go through the eviction process we want to come to an agreement that is beneficial for all of us, but now they wont even talk to us. In our last conversation we discussed short sale and the representative stated that we would have to have an offer in writing in order to consider it. So once again denied. We have been treated unfairly throughout this entire process. We have provided every document in a timely manner that was needed by the bank however, they are not offering us any solution for an amicable resolution. If you need any email correspondence please let me know i can forward it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Payday loan debt) with American Credit Resolution, Incorporated (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX, my account representative at ACR continues to call my work number to get a hold of me even though I gave him my personal phone number. One of the coworkers was instructed by my manager to tell him to stop calling the company and he responded with " I will continue to call, today, the next day and the next day '' My manager called him and explained to him that he needs to stop calling and he responded with saying that he wo n't stop and that I should be fired for having collectors call my job and that he would not allow employees to get personal calls at work and that I must be a terrible employee who needs to get fired.

I, my manager and coworkers have already let him know he can not call my work as he does have other ways of reaching me such as phone and email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 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: Their investigation did not fix an error on your report

Complaint: i already file a complaint about this trough you couples months ago and you send me positive response from the company saying they will delete the inacurate late payment on my account ( see attach ), i call them before to let them know that it still on my account and they said it will take time to disappear ( that was 4 months ago ), i call today and ask to talk to a supervisor which was XXXX after explaining everything he transfered me to a special department supervisor and her name was XXXX and she said she can not go by cfbp either i have to send a proof or me or she will call the company then i need to call wenesday for follow up??
please assist why do i have to go all trough this, i will appreciated if the company can do a play back about our conversation.
Resolve case id # 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 non-monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Auto debt) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I owe a debt to Lendmark Financial Services. We have already been to court in the past because I was behind on my payments. Most recently, my account with XXXX XXXX has been hit with a garnishment hold of around {$4500.00} on XXXX XXXX, 2017. I have contacted Lendmark Financial to see who I should speak with to get current with my payments. They directed me to their lawyer. I have contacted their attorneys at XXXX XXXX XXXX Attorneys at Law located at XXXX XXXX XXXX XXXX XXXX, MD XXXX multiple times to explain that if the hold is removed from the account I will be able to make good on my past due payments.I have received no response from them after leaving several messages. There have been other garnishment attempts by Lendmark Financial on other accounts that I have as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with GULF COAST COLLECTION BUREAU, INC. (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: " Gulf Coast Collections Bureau '' called to collect a debt. I had missed the phone call, so when I called back the representative would provide no information on the reason for the call. I was asked repeatedly to verify personal information. I stated that I was uncomfortable verifying personal information over the phone to an unknown party with no stated reason for calling. Representative disconnected the phone. 

I called back a second time and a representative picked up the phone and said " XXXX '' and disconnected the phone. 

I called back a third time to speak with a supervisor who refused to provide me the reason for the call and again asked me to verify personal information. 

No professional license number was provided by the supervisor nor was the reason for or the 3rd party for whom said debt was being collected. 

The supervisor suggested that I request to be placed on a " no call '' list which i interpreted as a manipulative way to threaten my credit rating. If a debt were legitimately being sought after, this would most certainly damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (LA).
Issue: Credit decision / Underwriting

Complaint: Shellpoint Mortgage Servicing company has been reporting that I am overdue {$4.00} on a XXXX mortgage that I paid off in XXXX 2014. I am trying to take advantage of a refinance opportunity on my home mortgage so that I can finally get ahead on my budget. I sent Shellpoint a check for {$5.00} to clear up the balance again. They said that there were over {$2000.00} fees transferred with the account and I need to contact Resurgent. XXXX XXXX owns all of these servicing agencies. I have requested a breakdown of the fees and I get nowhere. Each time I inquire about the balance, I get targeted for more fees. This is so unfair. This loan was originally with HomEq. They sold to Resurgent. They sold to Shellpoint. I have worked so hard to get my finances back in order after Hurricane XXXX. I paid every bill that I owed even if the creditor had closed the account and gave a bad report to the credit bureau. I paid every balance. My credit bureau report shows that I have XXXX balances on accounts during that time. Now Shellpoint is reporting that an account I paid in full has not been paid and they are reporting this lie to all XXXX Bureaus every month. I do n't know how to get this removed from my credit. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several inquiries on my transunion credit report that are inaccurate.

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 03/19/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not apply for credit with XXXX on XXXX/2016. Also, I never lived at XXXX in XXXX GA XXXX at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax continues to ignore fraudulent accounts that do n't belong to me. They refuse to properly investigate and continue to ignore information that was provided to them in terms of fraud affidavit and police report. Also Equifax has inserted positive accounts that do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On Thursday XX/XX/XXXX - I applied for an online joint banking account for my husband and I was denied. I called to verify this on Monday XX/XX/XXXX. I have n't received a letter yet.

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