milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have been with XXXX for over a year now of which we bundled our services when we signed up. I have been on auto pay since doing so. I got a notice from Central Credit Services stating I am in collections for {$170.00} with interest accruing. I have made several attempts to contact XXXX XXXX, some could not locate this account, XXXX in Billing said they never linked it to our account and do n't worry about it. I have asked them for a copy of this bill which they will not provide. I have copies of ALL my statements around the time they said the services were due and nothing shows unpaid. If this makes my credit report I will be furious. Today I called the credit company to get a fax number to send them the statements I have and the social does n't match mine. I am wondering if they are making up bills and sending them to collections to get more money in hopes people like me do n't inquire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Shellpoint Partners, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to Shellpoint, who has a debt service contract with them. Shellpoint assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, Shellpoint transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXXShellpoint was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Inquiries listed below, are what needs to be removed : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for Capital One, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This date, XX/X/2017, I applied for a benefit offered by Nelnet. The benefit states I qualify for a 1 % reduction in interest as I have made 24* payments on time. I contacted Nelnet representative who denied the terms stipulated by NelNet. I am submitting comprehensive r3ecords kept by Nelnet and a copy of their policy for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with Experian closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time

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 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SCA Collections, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency is reporting an account status/payment history to XXXX. For example, it notes my payment status as late and has been doing so since 2014. The history section of this history includes 30, 60, 120 days late and the monthly late payments continue to negatively affect my score. 

I called experian to have this removed an told them that collection agencies are not allowed to include this fraudlent information on my account and they said no and pressured me to not submit saying " it would n't get appoved anyway '' and that this was not a law. 

I know that 30/60/90/120+ lates are ONLY in regard to lates on the Original Creditor ( OC ) account. The reporting codes available to Collection Agencies only allows them to provide monthly updates to the Credit Reporting Agencies ( CRA ) as to the current account status as open ( unpaid ), paid in full, paid for less than the full amount, paying under terms. or deleted. 

I want this erroneous/fraudulent/unlawful information removed from my report. They also are reporting this account is " 1-Month '' term and CA 's are not supposed to code that entry that way. 

CA Name : Calvary Portfolio Services

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. 

It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. 

Is n't this usury? Should n't consumers be protected?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls anytime of the day or night. I have asked them to not call after business hours or on the weekends, they continues to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I spoke with Transunion supervisor XXXX XXXX, who would not help and take care of the negative inquiries reporting on my Transunion credit report due to being a victim of there " Inquiry issue ''. Negative Inquires listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with SUNTRUST BANKS, INC. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Called Macy 's after I had been getting a call that the caller ID said was " XXXX XXXX XXXX. '' The most recent one was this morning ( X/X/17 ). Did not pick up phone because of recent scams. Researched online, and many others surmised this was a scam because their account had a XXXX balance. Since I have also not used my card, I was not concerned, but decided to call Macy 's directly. If nothing else, I could inform them of this scam. This call was just before XXXX. I called the phone number on the back of my card ( XXXX ) It was not working. I therefore called the nearest Macy 's, and they gave me a phone number to call regarding my credit card ( XXXX ). I had not used my Macy 's account for months, and have not received a statement. I was shocked to learn that I had a {$1700.00} balance on my account. When I said these charges were fraudulent, the representative suggested that I purchase insurance for a figure of over {$1000.00}. I then called XXXX, who routed my call to Consumer Protection ( XXXX ). After speaking with the gentleman there, I again called Macy 's. I spoke to someone named XXXX XXXX, and told her that my card had been fraudulently used, and that I would like it to be reported as stolen or cancelled so that no more charges were made. She tried to connect me to a phone number ( XXXX ) to report the charges. After a few attempts, she told me that nobody was available, and that I should attempt to call them myself.

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 09/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Equifax on multiple occasions about the removal of a tax lien from my credit report. After conversations with XXXX Equifax representatives I was told the lein wo n't be removed for 7-10 years, even though I have my form XXXX form the IRS that has released and withdrawn my leins. After being told even if I submit the forms that wo n't change anything, I decided to contact the CFPB because this does n't seem fair or correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Debt collection (I do not know) with Credit Services of Oregon, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a summons and complaint from a process server stating I was being sued by CSO Financial , Inc. C/o XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Managing the loan or lease

Complaint: ATTACHED IS A COPY OF THE DISTRICT COURT COMPLAINT FILED XX/XX/XXXX WHICH INDICATES ON XXXX UNDERLINED INDICATED IN THE SETTLEMENT AGREEMENT ALL ATORNEY FEES WERE INCLUDED IN THE XXXX PAYMENT AND THE LAST XXXX PAYMENT WAS MADE ONXX/XX/XXXX AND WE CURRENTLY ONLY OWE THE XXXX NO LATE PAYMENTS WERE ATTACHED TO THIS FIGURE ON THE STATEMENT AND THE ONLY REASON THAT XXXX WAS NOT PAID WAS BECAUSE LENDMARK KEPT ASKING FOR THE ATTORNEY FEES WE HAD ALREADY PAID AND ALSO THE XX/XX/XXXX PAYMENT SHOWED NO LATE CHARGES WHICH IS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Consumer Loan (Vehicle loan) with DriveTime (GA).
Issue: Problems when you are unable to pay

Complaint: I co-signed on an account with DriveTime Automotive Group , Inc/ DT Acceptance Corp . The buyer of the vehicle has failed to make on-time payments including failure to pay in full. At this present moment he has not made any payments in the last two months. As a result I have been harassed by DT Acceptance Corp in regards to the account because they ca n't get in contact with the buyer! I was contacted by an outside source ( someone who does n't work for Drive Time/DT Acceptance Corp ) in regards to my account with them via XXXX. This individual is the girlfriend of one of the collections manager at DT Acceptance Corp with whom I have spoken with breifly in regards to some paperwork for my account. I have contacted the Corporate Office in regards to this matter. They refuse to discuss how it 's being handled or if it 's been handled because they do n't want to compromise the privacy of their employee. However, I believe my privacy has been compromised. How did she get my information? Why is my information being shared with people who do n't work with DT Credit Corp? I have asked them to stop calling me on several occasions they have continued to do so until I requested again to be contacted by mail only. Due the request for them to stop calling me on my cell phone and at work, they have proceeded to contact references on my account. One of the individuals contacted, I do n't even believe is on my application as a reference. One of the references listed did request that they stop contacting her and they have continued to contact her. Despite the current status of my account, I do not feel that I am deserving of this type of harassment or stress and neither or my friends and family. Furthermore, due to their carelessness as a business in regards to my personal information, I am in fear that my information has been leaked and/or will be leaked in some malicious manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' si
te www.equifaxsecurity2017.com. They have put myself and millions of
others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have an account listed that shows that I have a statement added to it " Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I had requested this comment be removed because it was added there by EXPERIAN, I submitted the request to have it removed online, and EXPERIAN " investigated '' the account and left the comment on the account.

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 03/21/2015 about Debt collection (Medical) with Central Portfolio Control Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing on behalf of my real estate client XXXX XXXX. He is currently being reviewed for a Short Sale XXXX originally submitted in XXXX XXXX. The lender and their attorney refuse to continue the Trial Date XXXX XX/XX/2015 XXXX Despite being in receipt of a complete loss mitigation package. Evidenced by the emails attached, the Law Offices XXXX XXXX XXXX has been in active communication with 5th 3rd Bank and their attorneys. Evidence has been provided including copies of emails between the law firm and the attorney of record representing the lender. Despite clear evidence the file has been submitted to the lender XXXX XXXX XXXX, XXXX. 
of XXXX XXXX, XXXX. refuses to join the defense attorney 's motion to continue the trial ( see attached email XXXX This is a clear violation of the my clients rights and perfect example of dual tracking. The evidence is quite clear a short sale offer is currently being evaluated at the same time the lender is trying to push my client into foreclosure. XXXX XXXX for XXXX XXXX Bank XXXX see attached emails ) has actively been engaged with XXXX XXXX XXXX legal assistant XXXX at the law offices XXXX XXXX XXXX XXXX closing attorney ). I ask you please demand this trial be postponed and the lender uphold their responsibilities to the CFPB and review my client for Short Sale.

Company response to consumer: Closed with explanation