milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performant Financial Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraud Account My identity was stolen in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice XX/XX/XXXX I sent over police reports and court order, no response. 
When I call to verify they explain someone will call back. 
Also I received a letter to garnish. When I called to check status I was told they will call me back.

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 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CMI group failed to notify me of a supposed collection account placed on my credit report ( no mail sent to my current address and no phone call ). Furthermore, I disputed this information with XXXX, which failed to remove the collection. I contacted XXXX, which could not tell me anything more than CMI had verified the information, but no valid documents support this claim. I have not received any debt validation, nor did I receive noticed as required under the Fair Credit Reporting Act. Further, I did not receive any communication from the alleged original creditor, so I can not verify the information reported on my credit report. The information on my credit report reflects that the account was referred to collections XX/XX/XXXX ; however, the collection appeared on my credit report in XX/XX/XXXX - 5 years later! - with no notification. The information being reported in a name that does not match one previously given, nor does it match my social security card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I missed my XXXX Payment due to car problems that needed to be fixed. 
There is one payment in my Chapter XXXX as I filed XX/XX/2015. 
The people in Home Modification Department have kept my monthly payment in Unapplied Funds. On my XX/XX/XXXX statement it shows {$2100.00} in unapplied funds. My payment according to this statement was {$1100.00} yet they would not apply this amount as a payment. 
In XX/XX/XXXX I sent in Check XXXX in the amount of {$1500.00} which has been cashed at XXXX XXXX. To me this is not correct and my payments should be applied and not kept as unapplied funds. XXXX XXXX at Wells Fargo stated I had to be in this situation due to the fact all payments have not been met. Her number is XXXX Extension XXXX. I need help in with this As Soon As Possible. I did not want a loan modification just to get caught up on my loan. I feel strongly I have done that.

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 10/26/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute with Equifax on XXXX/XXXX/2015 regarding the balance date Equifax is reporting for a short sale we had with XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. The house sold and closed XX/XX/XXXX. My husband and I were denied credit because of Equifax reporting the date for XXXX as XXXX. XXXX reported the date as XXXX. I submitted the XXXX paperwork showing the XXXX date and submitted additional paperwork to explain the dispute. Equifax responded to the dispute on XX/XX/XXXX saying XXXX is reporting the date correctly, however, instead of correcting the XXXX date to XXXX, Equifax updated the date XX/XX/XXXX!!! On XX/XX/XXXX I receive an Equifax alert showing my credit score was dropped by XXXX points from XXXX XXXX as of XXXX XXXX to XXXX XXXX as of XXXX ) due to information changing on my report. Because Equifax changed the date for XXXX to this month, it appears that our short sale just occured a few days ago instead of 4 years go which is why our credit score was impacted. I called Equifax today and talked to a rep and her supervisor. I was informed that a dispute will negatively affect my credit score and I have to " wait until things settle down and it goes back up ''. The XXXX rep said they can not change the date showing for XXXX or restore my score because " they have no control over it '' even though I have paperwork showing the correct information. I asked the Equifax rep and the supervisor to provide me a copy of my credit report from XX/XX/XXXX to XX/XX/XXXX so I can see what changed to affect my score this way. XXXX said they can not do that. On the Equifax website, the latest credit information I can see is through XX/XX/XXXX. The XXXX is the ONLY negative information against my report and NOTHING has changed from XX/XX/XXXX including no additional debt, etc so there is NO reason for my credit score to drop XXXX points in a week! As a consumer, I should be able to dispute inaccurate information being reported against me and it should not negatively affect my credit score. I understood that credit reporting agencies have a responsibility to correct inaccurate information especially if the consumer is being denied credit or refused preferred rates because of the incorrect information. I am filing a formal complaint against Equifax for refusing to correct inaccurate data even with documentation and with XXXX agreement the correct date is XXXX. I am also filing a formal complaint for Equifax dropping my credit score because I filed a dispute to get the data correct. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company keeps calling my cell phone even after I informed them via their automated recording that I do not give them consent to call my cell phone per my rights under the TCPA. Not only have they violated my rights, they are also harassing me even though I have been making payments each and every month since 2014 and have not missed a payment.

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 02/18/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, Equifax will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While reviewing my credit report, I noticed one account ( only on XXXX ) indicated in collections. The company is : DOCTORS BUSINESS BUREAU. I completed an on-line search and located this company in XXXX XXXX, FL. I have called the listed numbers on the website of this company numerous times and contact has been unsuccessful to date. This is indicating date opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ). To date, I have not received any notices and this collection is only showing on XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XXXX XXXX this information continues to appear on my credit profile.

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 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.

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 02-11-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Using a debit or ATM card

Complaint: Abuse # 1 ) Every year for the past several years we have had to contact BofA and request that transactions never be paid for our debit card if there are insufficient funds in the account. And every year Bank of America resets our debit card so transactions will be paid regardless of balance and a {$35.00} fee charged. 

It is a violation of both federal and state law for Bank of American to alter a customer account in this way, against the customer 's continued requests not to, just to continually perpetuate the scam of {$35.00} transaction fees. 

Abuse # 2 Further, we receive an email immediately after the {$35.00} dollar fee is charged. An honest bank would send an email immediately but before charging {$35.00} stating there are insufficient funds should a customer want those transactions paid ( we do n't but other customers may ), in which case one could have the option of using another debit card or transferring funds immediately to BofA. Transferring money between accounts is instant and free and easy online or via an APP. This kind of abusive behavior by any bank, especially a national bank such as Bank of America, is absolutely inexcusable. 

If BofA is running this abusive scam with us year after year, they are certainly scamming and abusing other customers continually year after year as well.

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 monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX i sent in a debt validation letter asking that they send me a copy of the dept with my signature on it .i asked that i receive all original documents. I have never received anything but a lot of phone calls.UPON SEARCHING THE TEXAS SECRETARY OF STATE DATA BASE NATIONAL CREDIT SYSTEM IS NOT LEGALLY BONDED TO COLLECT A DEBT IN TEAXS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with BARCLAYS BANK DELAWARE (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us. 

Barclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they payment.

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 09/28/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying my mortgage on time for 5 years. I experienced a reduction in my income since XXXX of 2015. In spite of the reduction in income, I remained current on my mortgage payments. Recently, however, I was not able to make payments on my second mortgage with Carrington. I did fill out paperwork with Carrington asking for hardship assistance. Instead, I was sent a document with a repayment plan that far exceeded what I owed in back mortgage payments and exceeded my normal monthly payments. The question I presented to Carrington was one that underscored that raising the amount I owe per month is not a viable solution to my financial hardship. As I discussed the matter with the representative, I was told that I could afford the payments based on the documents I submitted. I am not quite sure how they arrived at that consensus considering my low credit score and overbearing monthly financial obligations. As we discussed the situation further, I was told that I have only two choices ; pay the higher monthly re payment plan or come up with at least 2 regular monthly payments by the XXXX. I was then told that there is no guarantee that the payment will be accepted after the XXXX. I was told that foreclosure proceedings might progress. I am working very hard to raise 2 months worth of mortgage payments to avoid falling into their repayment plan which looks like a scam, because some of the payments wo n't be applied directly to my principal and interest. I 'm asking for intervention into this matter, and a fraud investigation to be opened. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Payday loan () with Big Picture Loans, LLC (SC).
Issue: Charged fees or interest I didn't expect

Complaint: I apply for XXXX loan from Cassle Payday I was informed that there would be a XXXX finance charge. Paid off the three in monthly payment. After I made two then I was told that my total payments over XXXX. 
I told I had agreed to a total of XXXXnot XXXX I would have never agreed to anything like that. 
Two I receive a call some saying that Cassel Payday have change their name XXXX XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have disputed and asked experian, XXXX, and XXXX to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to show me proof, such as, my signature on this, they did n't and could n't show me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report.i need validation of my signature and the credit bureaus are refusing to provide validation. i need this fix asap. pls help 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 10/23/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I 've been going around in circles with this XXXX mortgage company, Carrington Mortgage about a loan modification. We 've been denied once, just recently, with the excuse that I said I was unemployed on the application. The people with Carrington do n't have any answers as far as what the requirements are for the modification and I 'm just exhausted going around in circles with these XXXX. They keep deferring everything to their underwriters but this has caused my Mom and I so much XXXX  wondering what 's going on. We need someone to advise us of our rights and what the parameters are for getting the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: File # XXXX I received this updated report. Still concerns : XXXX-I have previously requested this be removed as it is XXXX years old. REMOVE XXXX-I have requested this be moved- This account was never used by me and it is over XXXX years old. REMOVE XXXX-I have previously requested this be removed as it is old-over XXXX years old. REMOVE

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 02/23/2017 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My property taxes for year XXXX have not been paid by my mortgage company. The mortgage company name is AmeriHome Mortgage Company , LLC. 
I have called this company more than 10 times in XXXX XXXX and they keep stating they will pay the taxes but they have not so far. They say they did not get feedback from XXXX County Appraisal Office on assessment of my property. I have the tax bill and I have the assessment information on the XXXX county website. I also sent the tax bill to the company and the parcel number. The customer service is also not good. They have limited information. 
I have an escrow account set up with the company and they are supposed to pay the taxes. There is no proper communication on why the taxes are not paid. I feel I am being subjected to endless harassment and waste of my time and energy. I want this company to pay my taxes and the penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY TRANSUNION DATED XX/XX/2016

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 05-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to Transunion and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX 's credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX 'S credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC  ID THEFT REPORT # 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 12-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: We have made 73 payments on our vehicle. The maturity date was XX/XX/XXXX.  This company is telling us that we still owe XXXX more dollars and sent us a new contract to lower our payments and pay on our vehicle for 2 more years. This company is a predatory lender and are trying to take advantage of us. We are senior citizens and live on a fixed income. We were so looking forward to getting our vehicle paid off in XX/XX/XXXX of this year. Please help us.

Company response to consumer: Closed with explanation