milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Debt collection (Non-federal student loan) with URS Holding, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enterprise Recovery Systems , Inc . 
XXXX XXXX XXXX, IL XXXX : ERS Account # XXXXDear ERS/XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail dated XXXX XXXX, XXXXand identified the debt as XXXX. I do not have any responsibility for the debt you 're trying to collect. 
If you have good reason to believe that I am responsible for XXXX of debt owed to you, mail me the documents that makeyou believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Equifax of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX Account Numbers and Agency ( s ) : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX of XXXX, I formally filed an adversarial proceeding to discharge my student loans. This proceeding is entirely pro per ; there is no outside help at all. At the time of the filing of this proceeding -- and since XXXX, the student loans have been on deferment/forbearance ; they have not been late at all. 

Upon filing, all of a sudden, I get a " late '' notation for the month of XXXX XXXX. This is impossible since at the time of the filing, the loans were in forbearance. I wrote to Experian explaining this situation which they subsequently corrected. As of today, XXXX XXXX, XXXX, they have placed the " late '' notation back on the account -- - and there is no reason for them to do so. 

So, this matter, it seems, would involved American Education Services and Experian alike. American Education Services for wrongly placing a late notation ( they did this for XXXX XXXX as well ) ; and Experian for their obdurate refusal to look in to the matter. 

In my amended adversarial complaint with the court against American Education Services, I have noted this fact as well, namely, that they have wrongly reported me late to the credit bureaus, which is, ironically, further reason for discharge of the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TN).
Issue: Taking out the loan or lease

Complaint: I had a vehicle loan with Wells Fargo Dealer services and traded vehicle in and they took a ach payment out of my acoount 3 days after they received my payoff check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have been dealing with Portfolio Recovery regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted Portfolio Recovery and spoke with reps on more than one occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (DE).
Issue: Struggling to pay your loan

Complaint: On XXXX XXXX, XXXX, I applied for a payday loan for {$2600.00}. I have been repaying that loan back since XXXX XXXX, XXXX. I have {$200.00} withdrawn from my checking account every 14 days. I can no longer afford to pay this loan. To date, I have paid {$4800.00}. I have paid back my loan and then some. I made 2 attempts to resolve this issue. I made the first attempt on XXXX XXXX, XXXX and the second attempt was made on XXXX XXXX, XXXX. I asked after the withdrawal made from my checking account was made on XXXX XXXX, XXXX, if I could settle this account with a balance of {$4800.00} because I can no longer afford the payments. They apologize and said they need all of their monies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Since the FTC Fair Credit Reporting Act attempts to prevent consumer 'Discovery ' by requiring that 3rd Party entities ( such as Collection Agencies ) contact consumers about a reporting action before submitting it, I submitted a request on XXXX/XXXX/16 via Equifax 's Online Dispute process to have a ( {$27.00} ) XXXX reporting entry removed. 

Although I informed Equifax that I was never contacted by the provider XXXX XXXX XXXX XXXX XXXX about the matter, it 's now been over 45 days and the company is yet to remove the entry as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing. 
I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: I paid off my Chase Freedom credit card in full AND I still got charged interest! They said it was because I needed to pay off my credit card in full two months in a row, to not accrue interest. That 's the first time I 've ever been told that!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Nationstar is attempting to collect a debt that has a XXXX balance. 

They are misrepresenting this debt on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I want Equifax to review the attached letter to this complaint from the Minnesota Department of Human Services. The following account do not belong to me and is the result of identity theft : Minnesota Department of Human Services account ending:XXXX. I want the account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to change internet providers from XXXX to XXXX. I was told that the installation of the equipment was not to be charged to me, that it was free. When the employee arrived at my apartment he noticed that the infrastructure of the apartments was n't prepared to host the XXXX service. I was n't home when he arrived, so he started working on preparing the apartment 's infrastructure to be able to host the XXXX service for my apartment without my consent. I asked him if it would cost me something and he said " no ''. After the bill arrived I saw that the charges were for installation, service and equipment. When tha XXXX provider also told me that the equipment was not to be charged. I have talked with XXXX and they say that I have the equipment, I do n't. When I got the bill I went running back to the store to cancel the service and return everything. All of this happened somewhere early 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Balance transfer

Complaint: Previously, I submitted a complaint about my American Express card. My money was lost in a balance transfer, XXXX XXXX, 2016. Please refer to CFPB Case number : XXXX. American Express has had time to research the issue, but no one has phoned, written, or otherwise informed me of any updates on my situation. 

In short, I requested a balance transfer from my AMEX card to a XXXX XXXX credit card. The money never showed up in my XXXX XXXX account and I was given the run around each time I called and spoke with AMEX representatives. The company responded to my complaint by saying they needed 45 days to trace the funds. Why has n't anyone been in touch with me? 

Electronic funds do n't get lost. American Express is responsible for sending funds to a bank that claims that they do n't accept electronic balance transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter in the mail that i was declined for a credit card from XXXX, however i never applied for a credit card from XXXX. i contacted XXXX and they advised me that someone had submitted a credit card application in my name and that i should contact Experian to get my credit report from them to look for other credit inquiries. I submitted a request for my credit report from Experian and noticed XXXX separate inquiries on my credit report that i did not make. That was XXXX at XXXX. Ever since then i have been trying to get someone on the phone at Experian to resolve the issue and get the inquiries removed from my credit report. So far i have spent over XXXX minutes waiting on hold on XXXX separate occasions and still have not spoken with anyone who can remove the inquiries. I simply do not have the time to wait and wait and wait to speak with someone. Experian should be ashamed of themselves for creating such a dystopian, maze-like procedure where nobody is accountable, no options are available to speak to a human, and no disputes can be resolved. It is obviously a system devised to keep staffing costs down at the expense of the consumer. Terrible!

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 03/31/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Payday loan () with Cottonwood Financial Ltd. (ID).
Issue: Charged fees or interest I didn't expect

Complaint: I got a call from a collector from the Cash Store on a SUNDAY NIGHT at XXXX. I advised the woman that it was unlawful for her to do that, then advised her that I would report them immediatly to the XXXX and other agencies. i have been in credit and collections for XXXX years so I knew they were violating the law.It was for 400 % which was not told at the time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I wish to make a formal complaint regarding the " Robocall '' policies of SLM Corporation DBA SallieMae. I am the cosigner of a student loan taken out by my daughter. Due to a banking hold on a deposited check, a payment was missed, via automatic payments. I received two robocalls on Sunday XXXX XXXX, XXXX at XXXX XXXX and XXXX at XXXX XXXX. On Monday at XXXX XXXX, I called the number proffered in the robocall and spoke with a customer service representative. At that time I questioned a robocall being received on a Sunday evening. Never the less, I explained the situation and arranged to make a payment bringing the overdue amount owed to zero. To my dismay, over the course of Monday XXXX XXXX, I received a total of seven additional robocalls. All after payment had been arranged. Robocalls came in at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and at XXXX. I believe their robocall policy is abusive to consumers. I called them twice during the course of the day once at XXXX and once at XXXX. Each time I complained about the continuing robocalls, and their inability to stop them. Also, the customer service representative 's inability to offer an escalation name or phone number to elevate my complaint to. On one call, the representative even refused to provide me access to a supervisor. I think SallieMae 's service policy to not empower representatives the ability to stop the robocalls after payment has been provided is a questionable business practice. I think a robocall policy that allows nine robocalls in essentially XXXX twenty four hour time span is abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Back around  XXXX   XXXX  I sent my paperwork to Rushmore via return  XXXX . When I called to follow up they told me they did n't receive it. It took anothe r 2  weeks before they sent me another which I mailed back on the  XXXX  of  XXXX . When I called to check the status they told me they were n't going to review it because it was less than 37 days prior to the foreclosure sale on  XXXX / XXXX /  XXXX  . According to RETURN INTEGRITY & ACCURACY TO FORECLOSURE AND BANKRUPTCY PROCEEDINGS a lender or servicer is to continue review up to 15 days prior to the sale date and conduct an expedited review. It appears that Rushmore is not following the rules to allow me to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Medical) with Account Brokers Inc. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The representative from the agency named XXXX called me at work and told me that she had spoken with her legal dept and they were preparing a warrant for my arrest if the debt was not paid. I had already shown up in Court for a contempt citation and it was set out for 2 weeks. This threat was before the 2 weeks were even up. I had an attorney present when I returned her call and he heard the same comment and informed her this was illegal. She then put her manger on the phone who spoke with the atty that then explained to the manager the legality of her comments.

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

Complaint: Equifax failed to protect personal information including, but not limited to : address, SSN, date of birth, drivers license information, and credit card information.

Company response to consumer: Closed with explanation