milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 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: Their investigation did not fix an error on your report

Complaint: I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and Equifax. I filed a dispute with both XXXX and Equifax to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion will not help me remove inquiries over 7 years or hard inquiries that I didnt authorize and the dates arent even correct. All the companys on my credit report said that Transunion is responsible for removing hard inquiries off my report and they didnt. Ive called them many times and they keep telling me to call the original creditor but in fact the original creditor tells me that Transunion are the ones to remove hard inquiries and credit that is over 7 years. I have 17 inquiries that I didnt authorize. Please contact Transunion to delete all inquiries. Transunion isnt very helpful for people trying to clean up there credit that is fraudulent.

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 05/26/2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Global credit is reporting on each of my credit reports that I owe XXXX XXXX Hospital {$940.00}. I have contacted the hospital 's accounts department @ ( XXXX ) XXXX and have confirmed that there is no past due account of mine that exists in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA is reported false information to the XXXX major credit bureaus for an auto loan. They also breached the contract and wrongfully taken the auto before the first payment was ever due. In addition, they never returned the tendered payments and violated numerous laws, policies and codes.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Portfolio recovery services reported an account to the collection bureaus ( XXXX, XXXX and XXXX ) which has cause negative/adverse action in regards to my credit file. The company never validated the debt in accordance to the fair debt collection practices act as I requested. The company reported this debt without notifying me or validating it. I called the company and the company claim they mailed a letter out in which I never received from them. FDCPA 1692g requires and states that Bill collectors are to validate debts before continuing collection efforts according to section G of the FDCPA. This company has yet to do so and have yet reported this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but national credit systems and security cred.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, XXXX and Transunion to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs 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 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: have pending foreclosure in court for XXXX years due to false presumption of servicer XXXX to breach HAMP gov program to which i have been qualified in first place. After denial I have served TILA resscision notice on base of numerous TILA RESPA violations in original contract. 
After all there is XXXX servicer pretending to have right to resided contract and keep accruing fees and payments which make my mortgage absolutely not fordable and in fact I have been defrauded of opportunity to keep my property on HAMP gov program.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is the second time this has happened. I successfully reapplied for my Income Based Repayment through XXXX, and thought that I was all set to stay on my Income Based Repayment plan. For a reason unbeknownst to me, I have been removed from that plan and told to reapply, and so my accrued interest has been immediately capitalized, and I have been moved to a flat payment where the payment amount is so high and causes a financial hardship. The first time this happened, in XXXX, the customer service representative put me into forbearance and told me that they never received my income documentation that I had sent. It then took Navient 3 months to get me back on the plan ( original complaint filed XXXX XXXX, finally placed on plan in XXXX XXXX ). This time, I have not been able to speak to customer service, and do not want to go into forbearance, so I will have to make this payment while trying to get back on the plan. But I will have had the interest capitalized, which ads to the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had home warranty with XXXX for 2 years. I called for plumbing issue that was covered by the home warranty but the person they send was in a rush talking to his phone and said he will come back but he did not. I will not pay for this since the problem was never fixed per agreement.

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 06/18/2015 about Credit card () with PNC Bank N.A. (NY).
Issue: Transaction issue

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX reported my credit card stolen. 
Last replacement card activation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX can pnc XXXX XXXX keep my card open

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  2017 , I sent a validation letter t o Franklin Collection Service,   Incorporated in  XXXX , Mississippi in regards to a negative inquiry that was placed on my credit report. The purpose of the validation letter was to validate the debt and provide proof to me that I am indeed the rightful owner of the debtI have no idea of who the company is and what services that could have been provided to me from this company. Withi n ten days, I received a print out of an itemized bill from Franklin lncorporated Service , Inc in t he amount {$35.00}. As of today, they have not provided me with documentation or any evidence of a relationship between the company or myself. Also, they did not provide me with any instrument bearing my signature. Next, I sent another validation letter informing them of their rights to validate the debt or remove it from my credit profile. Nevertheless, they have not responded and it is way past 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: On XX/XX/2015 I purchased a XXXX Mini Cooper, VIN XXXX, from XXXX XXXX in XXXX, CA, which was financed through Lobel Financial. On XX/XX/2015, XXXX XXXX received a letter from Lobel Financial stating that the XXXX Mini Cooper was a Manufacturer Buyback and to please remit payment in the amount of {$7500.00} immediately. 
On XX/XX/2015 I received an email from XXXX XXXX stating that the car was a Manufacturer Buyback and that I had XXXX options. First option ; I could swap the cars and get the same loan with all of the same numbers or, option two ; bring the car back and he would cancel out the contract. On XX/XX/2015 I chose to bring the car back and cancel out the contract. XXXX XXXX returned to me the deposit of {$2000.00} and the {$500.00} towards the cost of the DMV paperwork. First check was n't good. Money returned did not include XXXX months of payments I made to Lobel Financial or the {$410.00} I put into the car in repairs. 
I have included all necessary documentation to show that the contract has been cancelled due to the car being a Manufacturer Buyback and that I am no longer in possession of the XXXX Mini Cooper in question. 
Lobel Financial refuses to take my name off of the loan until XXXX XXXX repurchases the car. Lobel Financial also refuses to return any payments made on the Mini Cooper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Old closed accounts still show on credit report, and are hindering my credit, even though they have been paid in full and accounts have been closed for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I purchased a set of luggage from an XXXX vendor. I only received one bag instead of the set I ordered. The luggage company says their policy is pay for return shipping when they make a mistake. However they responded saying I had to pay for the return shipping along with an additional fee. I had used my debit card to make the purchase so I began the process of reversing the charges. I explained the entire situation to my Huntington Bank representative and in the end they denied my claim. Now I own single piece of luggage that sells for {$99.00} for which I have a paid {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX using XXXX speed pay I incorrectly submitted an incorrect bank acct # in processing payment, which resulted in a 30 day derogatory to the XXXX reporting Credit Bureau by my Mtge server. I contacted them explaining what happened and requested a one time courtesy reversal .I was in process of refinancing loan and that because of negative report it made me ineligible to qualify They have refused to grant me. I have made my payments on time since XXXX/XXXX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (WI).
Issue: Money was not available when promised

Complaint: Money has been sent by Western Union to private party in XXXX. I received information that money can be received in XXXX XXXX WU reps. XXXX women walk for XXXX miles to get it but in XXXX reps told her that is WU system doesnt work. She has to walk back by rough road w/o pavement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I bought a XXXX Dodge Ram XXXX at a used car dealership in XXXX VA in XXXX. The Initial loan was for XXXX dollars and financed through XXXX XXXX auto. I was young at the time and accepted the high Interest rate due to High pressure sales tactics used by the dealership. I thought I would be ok but I was outside of my means financially. Even though I made all my payments some were late about 2 years into my loan the finance company was Bought out by Santander. After 6 years of making payments they claimed that I owed them XXXX dollars. I explained that that was more than the initial loan they responded that since my payments were late it was all going to interest instead of the principal. I told them I was in the military and that the truck barely runs and pleaded to make some kind of deal they dropped my interest rate down to XXXX percent and I have been making more than the minimum payment well ahead of schedule from then on. Currently my balance is now just over XXXX dollars. I have paid almost XXXX dollars for a XXXX used truck and to say the least its been a huge burden in my life. I sought out legal help and was told there is nothing they can do I tried to contact the company and make several deals and was turned away. Granted this was a great learning experience for me financially but I still think I am being treated unfairly. When I asked them to send me the original loan details and payment history they sent me someone else 's information my argument with the company is that how do I know that mistakes have n't been made on my account if they cant even send me the correct information the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This has been going on for years, even after asking them to stop calling and telling them they have the wrong number they keep on calling. Whoever they are, they call me asking for my ex-wife. We have been divorced for years, but I do know that she has no debt like what these callers are describing, and with each call they say it is something different. One day they say it 's a payday loan, then a medical debt, then something else. Sometimes they just demand money from me, even though it 's not in my name and will not tell me what it is for. They say if it 's not paid I will go to jail, etc. They have called my grandparents and other relatives. Recently, all of these calls have been coming from XXXX, and they say they are Concord Resolutions.

Company response to consumer: Untimely response
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Went onto XXXX and tried to get my Experian report. Kept failing to load. even Experian is n't coming up.

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 03/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Settlement process and costs

Complaint: I got recent modification ( XXXX/XXXX/2015 ) for my mortgage from OCWEN SERVICES for my house located at XXXX XXXX XXXX, XXXX, Tx. XXXX. OCWEN are adding something to the principal and I think is too much money added. Can you please help me to clarify with them what kind charges in addition to this mortgage loan. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My account with XXXX, a collections agency was reporting fraudulently and was misrepresenting my character. The company was removed from my credit reports only to be re-inserted unlawfully. 15 U.S. Code 1681 states the agency must notify myself in writing 5 day after re-inserting a collection on my credit it also states that thorough investigation must be done and a record of said investigation be given to the consumer ( me ) .Experian has failed to provide me with any evidence of an investigation and or notice of re-inserting the item on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: At the age of XXXX years old my father sign a mortgage agreement with NATIONSTAR Mortgage I ready do n't thank he know what he was doing or understood the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AK).
Issue: Problem with fraud alerts or security freezes

Complaint: Tried to put on a security freeze with Experian. They immediately asked for a credit card number, which I provided, then on the next screen - they said they were 'unable to put on the freeze ' and I would have to mail them {$5.00} and mail them my driver 's license and another proof of identity ( along with my SSN, etc. ). They have my SSN, and all of my information already, I do n't want to give them further information on me to store. On top of that - they charged my charge card when I did n't get anything! I have protested that charge. It is n't about the money - it is about this company making consumers upload or mail additional confidential information just to keep our information secure. I successfully put on credit freezes on the other two companies ( XXXX and XXXX ). It is only Experian that is refusing without gathering even more information ( which they probably have anyway ).

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 06-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: these items did not belong to me I pulled my report and saw them and addressed them with the credit bureau to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation