milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX credit leak while trying to refinance home loan

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a 2013 bankruptcy entry that was placed on my credit report. that I have been trying to for over 6mths to get this entry Removed and Deleted.I have made several attempts by mail correspondents and spoken to customer reps in regards to this public record 2013 bankruptcy.I called and spoke with a representatives from Experian on what are their procedures on verifying their public records.because I need this information because it keeps coming back verified. The rep told me a form is sent to the court house and any public information available.Once that information verifies it is sent back to the credit bureaus and then that information is placed on the credit report.I asked the rep what physical form and or paper work was used because I need a copy of it ASAP. Then I was told they could n't give me one. I need to contact the court system. The Court System DO NOT Disclose, Release or VERIFY Any Information For The Credit Bureaus or Any 3rd Parties so given this false information by Experian this 2013 Bankruptcy needs to Deleted and Removed from credit report ASAP

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 10/17/2017 about Debt collection (Other debt) with FCC Finance, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Today I received a phone call from a number listed as " XXXX '' at XXXX XXXX on XXXX/XXXX/XXXX. The caller was from XXXX XXXX XXXX ( FCC Finance , LLC ) and they usually call from XXXX. However today they spoofed their number to show up as " XXXX '' ( XXXX ) on my caller ID. The representative from FCC called and asked me to make a payment with my debit card when I had already made a payment this month. It was taken by them from my bank account on XXXX/XXXX/XXXX. I am absolutely sure that this company spoofed their number. Because this company 's intent was to collect more money " spoofing '' is illegal per the Federal Communications Commission.

https : //www.fcc.gov/consumers/guides/spoofing-and-caller-id I feel insulted and harassed by this company 's practices and I 'm curious if other people have experienced this before as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a wells Fargo credit card that I never applied for. Credit line XXXX dollars. I am in the process of trying to pay off all my debt I sure did n't ask, or need this.

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 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I turned in the equipment for XXXX XXXX to a technician that had come out to my house to install the new equipment to turn in to the company. The company said they never received the equipment. but said that I never owed them anything. Out of the blue I get a collection for XXXX put on my credit report from a company I 've never heard of ( I C Systems Inc ). When I called the company they still have no record of it but its hurting my ability to get a home loan.

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 07-07-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax inserted previously deleted information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I had an auto loan with Santander Consumer USA. I was a few weeks behind in my payment. I was never notified, or given an opportunity to pay anything at all. One morning while driving to work a tow truck driver hired by Santander rammed the side of my car and pushed me off the road. The driver literally hit me while I was driving. I had a coworker I had just picked up with me. She was very frightened for her safety. We were both scared, and emotional. Fortunately my coworker was able to record some of the assault with her camera phone. The driver would not identify himself, only saying, Im collecting for Santander. We were left on the side of the road. No contact info for Santander was given. I can not believe XXXX XXXX would participate in such brutish actions. I will be seeking legal action. Right now I want a record of the incident public, and I want the illegal debt removed from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My Case Number was XXXX. I contacted you 'll in XXXX XXXX. The Problem is again with Select Portfolio Servicing. I know we are being overcharged, Since XXXX every year, the Mortgage has increase. We have A fixed Interest Rate. The reason was Taxes and Insurance Increase every year. I disagree! I can prove that we are being overcharged. Probably since Select Portfolio had Mortgage. I Contacted them in XXXX XXXX. When we receive A Letter that our Mortgage was increasing again. I told them and put it in Writing, we will pay our own Escrow. As of XXXX XXXX. And that 's what we have done. Now XXXX XXXX. They trying to say we owe them XXXX and our Mortgage Increase to XXXX. I Refuse to pay them Escrow. Because I knew they were Robbing us, I just had to prove it and I did. XXXX I Paid only Loan and Interest for the whole year. We pay our own Taxes and Insurance. The Company has been robbing us since the Mortgage have been sold to them. The Payment for XXXX Increase to {$1500.00}. That was including Escrow. Principal {$440.00} Plus Interest of {$540.00} Total of XXXX. I Pay XXXX Every Month on time. For XXXX. Put XXXX on the side for Taxes and Insurance. Still does n't equal out to what this Company reason are for keep Increasing every year. I need Help I 'm not convince that the Loan Balance is Correct either. All I should have left on my Mortgage is 12yrs. and the Balance is still at XXXX Something is seriously wrong. I would like my case to be Reopen and Investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On several occasions since XXXX 2017, I have worked on my credit profile to obtain a mortgage, Ive contacted Transunion and sent numerous documents in supporting wrong, incorrect, and receipts showing their reported balances are wrong, as well as dates reporting, I have contacted their customer service department and been transferred to the special handling department once they put fraud alerts on my file without my consent or asking, and then I contacted, by phone, mail, and email the executive consumer department of Transunion to get matters cleared up, sending countless faxes, email documents concerning a wrongly reported bankruptcy ( old aged ), a requested by creditor deletion, XXXX XXXX, ( old aged ) and as well as Ive paid 5+ credit cards to XXXX and they refuse to correct or report, they sent me a letter stating if I did not stop asking for corrections by the means I used they would delete my credit file from database, basically threatening me, to stop trying to correct their mistakes. I am at the point Ill take this letter to the courts and ask to file a case against Transunion for any applicable reasons herein as theyve intentionally mis reported, neglected request from creditors, refuse to remove old aged derogatory accounts as following the FCRA and are in direct violation of XXXX laws protecting consumers.

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 12/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing in hopes of assistance with an issue with transunion credit reporting agency. I have been disputing wrong information that is reporting on my credit report and getting no where with this credit reporting agency. My first complaint is transunion will not remove a loan that is reporting with XXXX that I do not owe. It is showing a balance of {$860.00} it is showing open/collection/charge off. I received a letter last week telling me that they will not re-investigate this anymore for me. This is a violation of my rights that they are reporting inaccurate information which is affecting my credit. My next complaint is I have been disputing XXXX in the amount of {$4800.00} which again I do not owe. This was paid in full when I turned in my lease. It is reporting my new lease payment which is correct but then showing a monthly payment of {$4800.00}. Common sense shows that a auto payment can not be {$4800.00} per month. I have disputed this with transunion and they keep responding it has been verified. I also contacted XXXX and was told that I have a XXXX balance as my old loan was paid off in full with no late payments. Another complaint I have is my XXXX account which is also paid off to a XXXX balance is still reporting a balance of {$120.00}. I contacted XXXX and was told they have contacted the credit reporting agency and verified that I have a XXXX balance on my account. Transunion responds the balance of XXXX is correct. This shows me that they are not doing a valid investigation. My credit score is low due to wrong information that transunion is refusing to correct. I am about to obtain legal advise as I have been dealing with this for months now trying to correct my report. Transunion also agreed to remove some of the XXXX remarks they are reporting which again is affecting my credit score. To date they still did not remove any remarks. I questioned why they keep reporting negative remarks on accounts that are current ... .paid ... .or closed? ... ... I am very fustrated as they are affecting me in obtaining substantial credit when they refuse to fix my report. I also have been disputing in public records XXXX tax liens that are paid in full. In essence there was only XXXX tax lien ... .not XXXX ... ..and it was to be removed from public records. XXXX and XXXX has removed them as it was deemed to do so but transunion just keeps telling me it 's been verified. Yes I had XXXX tax lien that is paid in full but it is suppose to be removed from my credit report. Transunion is a horrible credit reporting agency and they have no right to report wrong information about my credit worthiness.

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 03/20/2017 about Payday loan () with Advance America, Cash Advance Centers, Inc. (FL).
Issue: Can't stop charges to bank account

Complaint: XXXX, XXXX, FL. 

I contacted Advance America before my loan was due. They referred to to a program for credit counseling which I attended, but the paper work was never faxed to them. I called them and told them I would be entering into a payment plan with the credit counseling agency, and asked them not to take money out of my bank account. They told me they do not take money out of bank accounts. I am really upset about it all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Used AnnualCreditreport.com got to the point where the XXXX companies give your score and not one actually gave me a score. I was able to attain my report information, but have no way of knowing how that translates into a score number. The first company failed, which i find convenient since they offered to give access to my score all year for XXXX, the second gave me my report but no score, the third was similar to the first. All of them have errors giving free scores but not when you purchase them? This is a shake down. I am looking into further legal action and researching how many other people have complained of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Credit card () with Comerica (CA).
Issue: Transaction issue

Complaint: A LITTLE OVER A YEAR AGO ON XXXX XXXX, 2014 I NOTICED A CHARGE I DID N'T KNOW WHERE IT WAS TO SO I CALLED ( XXXX ) & ASKED THEM WHY HAD THEY BEEN CHARGING ME THEY ASKED MY INFO THE LAST XXXX OF CARD CHARGED I TOLD THEM THEY COULD N'T FIND ANYTHING THEY SAID SEND A PRINT OUT OF CHARGES & THEY WOULD RETURN MY MONEY.. SO I CALLED MY DEBIT CARD PEOPLE ( DIRECT EXPRESS M.C. ) & THEY SAID THEY DO N'T SEND COPIES & TOLD ME TO CLOSE THAT ACCOUNT & THEY 'D SEND ME ANOTHER.. SO I DID THAT & ASKED THEM TO INVESTIGATE A LONG WHILE LATER THEY SAID THEY INVESTIGATED & SAID NO FRAUD COMMITTED. I ARGUED ABOUT IT & THEY HAVE NOTHING ELSE TO SAY ABOUT IT.. ON XX/XX/2014 {$1.00}, oN XXXX XXXX, {$29.00}, XXXX XXXX {$29.00}, XXXX XXXX {$29.00} ON XXXX XXXX {$29.00} & ON XXXX XXXX 2014 ANOTHER {$29.00} WAS TAKEN OUT. I HAVE BAD XXXX & I DO N'T NEED TO HAVE MY CREDIT MONITORED SO TO GET XXXX SERVICES I WOULD NEVER DO. & IF USDIRECTEXPRESS DEBIT CARD WOULD HAVE REALLY INVESTIGATED THEY WOULD HAVE GOTTEN THE REAL.. SO CAN SOME ONE PLEASE GET MY MONEY BACK. A TOTAL OF {$150.00} + THE COST OF A NEW CARD $ XXXX= {$160.00} PLEASE. I 'M ON SSI I 'M XXXX & I CA N'T AFFORD TO BE ROBBED. I 'M ALREADY STRUGGLING AS IT IS. I CONTACTED XXXX ABOUT THIS & THEY WERE OF NO HELP. ONLY TO BAD REVIEW THE COMPANY. I JUST FOUND OUT ABOUT HERE.. SO ANY HELP WILL BE APPRECIATED. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at XXXX XXXX for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.

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 07/17/2016 about Debt collection (I do not know) with Western-Shamrock Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no clue what Western Shamrock is.And they are asking for $ XXXX.Where I have no idea of any loan, or other services that I have received from them.

Company response to consumer: Closed
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.

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 11/16/2017 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: Please be advised I had a State of Georgia Tax lien many years ago and it has been paid in full! It was placed on my credit report back in XX/XX/XXXX! It is now XX/XX/XXXX and they still continue to report it! I have disputed it many times and they  continue to say it is accurate and it is time for it to be removed! Equifax is not verifying the data as they should they rely on some company who actually just keeps inaccurate records and they come back and say it was verified! How, when a court does not even report information to the bureau! The practice they use are not only unfair but I am sure illegal and surely unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In  XXXX  I effectively closed my account with Ban k of America after mult iple fraudulent checks were cashed in my name without proper verification of identity. I went through the proper channels, filed a claim and once the claim was resolved closed my account.     In  XXXX  I went to a  XXXX  branch to open an account and was told there were " disparaging remarks '' on my consumer report saying I had abused privleges at that bank. I was never called or sent any letters in regards to a debt, no was I sent to collections for anything.   I than visited  a Bank of America branch and was p ut in touch with the claims department who asked me if I would pay the outstanding amount of about {$4000.00}. I was never sent any letter saying I owed them money and my account had been closed for over   three years. I was than forwarded to checks and balances who again asked me if I had any intention of paying the outstanding amount. I was forwarded again back to claims who told me that since the claim was over three years ago I would need to file a new claim in order to get any information regarding why there were disparaging remarks on my account that were preventing me from opening with another bank.
I have given them all of my contact information and was not contacted. I went back to the Bank of America and was told again that nothing could be done except to open a new claim and that the files from the original claim were n  ot accessible 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 05/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX an additional principal payment in the amount of {$3000.00} was sent to my lender, Ditech along with my regular payment. It was misapplied to escrow. I have repeatedly called ( XX/XX/XXXX, XX/XX/XXXX ) and submitted correction requests ( XX/XX/XXXX, XX/XX/XXXX ) through their online but can not get this corrected. I received email responses from my online requests that said someone would contact me but no one did! On XX/XX/XXXX I spoke to a supervisor who assured me it would be fixed on XX/XX/XXXX. I have checked online since then and no correction was made. This affects my interest amount and I am reluctant to send another additional principal payment until this is corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan, the truth in lending disclosure was never displayed to me. The company told me on a {$400.00} loan I would have to pay a total of {$540.00}, which includes a {$140.00} service fee what I accepted. Today I check my account and they are charging almost 1000 % interest ( not a typo )! This was NEVER told to me or I would have never accepted the loan! This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a   XXXX   XXXX   XXXX   . I am counting on Public Service Loan Forgiveness in a few year s.     I have done everything right. I consolidated under the Direct Loan program, and do Income Based repayment ( IBR ) while having to file my taxes " married filing separately '' each year to keep my payments down while I wait for PSLF. I have jumped through every single hoop required to participate in this program.     In    XXXX   XXXX  , I se nt in a certification signed by my employer which indicates I have been employed a t this 501 ( c ) ( 3 ) sin  ce   XXXX   XXXX  .      In response, my servicer s ent a letter stating that they are only counting 7 of my last 12 payments toward PSLF.  They have provided no explanation of why these are n't qualifying payments. I called, and no one  at Fed Loan Servicing ca n tell me anything.     They also claim that some of the payments were made before  Fed Loan  started servicing my loan, but can not tell me WHO would be able to give me credit for these payments.     In  XXXX , they said they would investigate this. I heard nothing, and called back in  XXXX   XXXX . They told me to be patient. I called again on Friday and was told that they still ca n't tell me anything and to give it more time.     I should be able to get a straightforward answer as to the REASON why a payment does n't count. But Fed  Loan Servicing do es n't provide any information or answers to borrowers.     Please help!

Company response to consumer: Closed with explanation