milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 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: There are 2 public records from Wisconsin Child Support reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with Equifax and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Fraud or scam

Complaint: XXXXHAD AD ON XXXX ALLOWING YOU TO TRANSFER USING MONEYGRAM FRAUD IN-DUCED WIRE TRANSFERS. 

VIOLATING THE DODD-FRANK REFERNCE NOXXXX TOALING {$1300.00} PLUS FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XX/XX/2016, I was fired from my job. Up until that point I was making payments every month. The program I was in required automatic payments. I called to see what my options were since I did n't have an income and they said I did n't have any and I will have to continue to make payments. I asked them how they expected me to make payments when I did n't have any income? They did n't want to hear it. They continued to take the money from my bank account every month causing my account to go seriously negative. I have a new position now however I 'm seriously in the hole because they failed to help in my time of need. I only wanted to postpone payments a couple of months until I got back on my feet again. They are a terrible company out to rob former students. I ca n't buy a house because of these loans. I will never be able to if they keep adding interest and fees onto my account. I 'm sick of it and extremely fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (Medical) with Patient Accounting Service Center (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I pay this account every month on the XXXX, I have receipts through my checking account, They put it on my credit report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just checked my credit report and she a collections account on there for XXXX in the amount of XXXX  opened XXXX XXXX. I never opened a XXXX account!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: took my {$500.00} for a home appraisal refused to give me a loan then refuse to give me a copy of this home appraisal. so i am feeling scammed by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I was on Bank of America website last week to make a payment to my mortgage account. 
The website was having issues, I was not able to submit a payment. 
I made a complaint via the on-line message center, I never received a response from BOA. I went back into BOA yesterday to try the payment again, there was NO mortgage listed there at all. 
I called BOA, they said the Sold my mortgage to XXXX XXXX XXXX XXXX which is a total SCAM company. I do NOT want my Mortgage sold, I like having my mortgage account with Bank of America. I have several accounts with them. This is extremely distressful and all I want is for Bank of America to NOT sell my mortgage to anyone. 
The worst part is I already, previously had this mortgage with a Scam Company before it was with BOA, it was COUNTRYWIDE MTG. 
I do not need another Scam company handling my Mortgage! Please help! 
Thanks, 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 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I want to know how Trans union arrives at a credit score What causes the difference in the types of scores. As car finance, Bank finance, Home finance payments.Credit cards.What priority and scores apply to these. 
Also Foreclosure, Short Sale, Deed in lieu, or Foreclosure started. 
What determines the length of time things stay on my credit report and the [ process used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a letter to t he Credit Agencies abo ut inquiries on my credit report that I do not recall authorizing and that I do not have active accounts for from those companies who made inquiries on my credit. I also sent all the required information to confirm my identity : name, address, dob, social security number, proof of residence, and proof of identity. I received a letter from Experian asking me to send proof of identity which I sent with all of the original information. This is a stall static and I am dissatisfied with their efforts to verify or remove the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Problem with cash advance

Complaint: Wells Fargo refused to honor a check, written on my business line of credit, claiming account could not be found, Check written on XXXX XXXX account, dated XX/XX/2017, amount {$520.00}

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 07/13/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Money was not available when promised

Complaint: I sent money through Western Union. It has been over XXXX weeks and money is n't there. WU has simply not helped track the money and keep saying that money has been transferred to the bank, which bank denies. I have now spent number of hours trying to solve this and WU has not offered any resolution and keeps delaying the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I filed a police report and PayPal keeps harassing me to pay. Now they have given my case to XXXX XXXX XXXX and it is hurting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Payday loan () with Big Picture Loans, LLC (OR).
Issue: Charged fees or interest I didn't expect

Complaint: I found Castle Payday Loan with a search engine listed as " installment payday loans '' and applied. I was contacted the same day by a " loan officer '' and told for a {$350.00} loan I would make 4 installments of XXXX ea, over a 60 day period. After making the first pymt I went online to check what the payoff balance was and it showed no difference to the original loan amt, and was now showing a XXXX payoff. I decided to wait a week to see if it was just a website error The next time I got online was 4 days before the next pymt was due and it was still showing the same payoff, so i looked at " schedule of pymts '' tab, which BTW had NOT been an available tab option at the time of the loan. The schedule of pymts showed, 3 more pymts of XXXX and THEN ... another 15 pymts of slightly lower amts for a total of XXXX on a XXXX loan that was told to me to be 4 pymts of XXXX. There is no way I would have ever agreed to pay back XXXX dollars and the idea of paying for 18 mths on a XXXX loan at 788 % interest is criminal! 

I wrote this letter to Castle Payday as per their website to rescind my approval for them to withdraw money from my bank acct. They have not responded. 


Previous messageNext messageBack to messagesRescinding ConsentRescinding ConsentXXXX XXXXXXXXTo : XXXXXXXXXXXXTo whom it may concern, I attempted several times to reach you today to rescind my consent for ACH withdrawals from my account. After being on hold and told over and over, that it would only be another 35 seconds, I hung up and contacted my employee assistance program who put me in touch with a Predatory Lending Atty who advised me to notify you by email that I withdraw my consent and report your company to XXXX. I was told at the time the loan was taken out that i would have 4 TOTAL payments of XXXX on a {$350.00} loan. When I checked the payoff yesterday, it showed a higher amount NOW due than when I took out the loan, after making one of the three reported payments. Your schedule of payments shows a ridiculous 18 payments for a total of {$1600.00} on what was supposed to be a 60 day loan. I will not be paying this. I have reported you to XXXX and will follow all legal counsel should you attempt to collect on this. I will pay the original contracted amount of {$490.00} minus the {$120.00} already paid. 

XXXX XXXX XXXXApplication # XXXXPlease advise if I have any other options. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I suspect a scam to prolong my PMI payments. I was advised that an appraiser will contact me in a month. It took over 6 months to get an appraiser scheduled. Then once completed, with a 25 % debt to value ratio, I was denied. It is now being reviewed, and it will take another 2 weeks for the results. Culprit Loancare - Escrow, XXXX, VA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am a veteran and trying to refinance my home into a VA mortgage. I am in the process and have hit a sang with my current lender Ditech. 
Ditech is adding some additional Corporate Advance of {$63000.00}. My mortgage was modified with Green Tree the previous servicer. I have attached documents showing the partial payment and the balance included in the bankruptcy. There should not be a corp. advance fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have recently been informed that there is negative information reported by XXXX, XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Past Due 150 Days account closed. I am unaware of Past Due 150 Days Closed with this company. I contacted this company via certified mail asking for validation of the debt without a response over 45 days. 
Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Violates Hippa and CRA. 

Police report # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Review the attached letter to this complaint from United States Senator XXXX Office. I received a letter from Senator XXXX office regarding his representatives speaking with Equifax representatives in regards to accounts listed on my credit report that 's not mine and incorrect information. Equifax informed U.S. Senator XXXX representatives that, they will review the errors on my credit report and immediately delete and block the accounts from my credit report. They fraudulent and unauthorized accounts are still listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding LLC sued me and secured a default judgment using a process server that lied in an affidavit of service. The process server was punished by XXXX Department of Consumer Affairs. Midland never provided me proof that they owned the debt prior to suing me. I was never notified of the assignment of my XXXX account to Midland prior to the lawsuit being commenced. Midland continues to garnish my wages even though they know that I am the victim of sewer service and that I dispute the debt. I complained about this to CFPB ( CFPB case # XXXX ) but my complaint was against XXXX ( the original creditor ) since I thought the debt was one covered under the consent order between XXXX and the CFPB. XXXX notified me that this account was not covered under the Consent order and informed me that Midland would be in touch with me to address my complaint. I have not heard anything from Midland as XXXX had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 09/15/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For a little over a week I have been getting 4-5 calls per day for medical debt collection that is a result of the doctor incorrectly coding the procedure. The procedure, as verified by my primary care doctor and my insurance provider, is covered 100 % by preventative, but, the doctor 's office that performed the procedure ( and acknowledged with me that the entire procedure was preventative and NOT diagnostic ) coded it incorrectly ( against what they said and agreed was preventative ) as diagnostic. So, it is a simple fix for them to get their money and they, for some reason, still keep insisting the account is not paid ( because they have not changed the XXXX coding to preventative ). 

Transworld ( I talked to a supervisor today named XXXX XXXX XXXX has been calling 4-5 times a day for collection including as early as XXXX and as late as XXXX. It was once a day for about two weeks and beginning last Thursday, XXXX XXXX 2017 it has been 4-5 times a day including one Saturday call.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-07-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi! hope you can help me. I just arrived to XXXX last year ( XXXX XXXX ) with a XXXX, that allows me to have a SSN, wich I get from my local office. Everything goes well until this month when Im trying to get a credit for a new house and my bank is telling me that they cant give me a credit because my SSN have bad background due to some phone bills back on XXXX and XXXX, that I was dont even here at the country. I went to the SS office and I dindt understand what should I do in order to correct this!, I really appreciatte if you can give me some advise regarding this issue. Thank you very much!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
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: Subject : XXXX - XXXX XXXX XXXX - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.

Company response to consumer: Closed with explanation