milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: a tax lien for {$1200.00} is reporting on my credit, it does n't belong 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 non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
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 report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax web site encourages you to fill out information to request annual credit report AND initiate a credit freeze online only to have you go through the steps and then tell you they can not fulfill request online. You must submit request via regular mail.
I would say give the fact that they are the ones responsible for placing 143 million consumers in harms way that they need to be able to respond to these requests online and in a timely manner.
Very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: The homeowner has a positive change of circumstances. Today an NPV Report was generated via the Department of Treasury that show that the loan is affordable via a loan modification under the Department of Justice/ 49 States attorney Generals National mortgage settlement Agreement and guidelines. The NPV Report shows a possible workout solution under the above guidelines. The homeowner is requesting an expedited review and appeal for reconsiderations under a streamlined processing. Please see article extract of the NPV Result. NPV Date XX/XX/XXXX Unpaid Principal Balance of the Proposed Modification {$440000.00} Principal Forbearance Amount of the Proposed Modification {$850000.00} Interest Rate of the Proposed Modification 2.0000 % Principal and Interest Payment of the Proposed Modification {$1300.00} Amortization Term of the Proposed Modification 480 months Information That You Provided Which best describes you? Other Servicer & Investor Information Your Investor Other Your Mortgage Servicer Other Discount Rate Risk Premium 0 Homeowner & Property Information Data Collection Date XX/XX/XXXX Do you currently reside in the property under evaluation? Yes Borrower Credit Score XXXX Co-Borrower Credit Score Monthly  Gross Income {$8300.00} Property State CA Property Zip Code XXXX Property Value {$820000.00} Property Valuation Type Estimated/AVM Mortgage Information Original Loan Amount {>= $1,000,000} First Payment Date XX/XX/XXXX Do you have a fixed rate mortgage? Yes Unpaid Principal Balance of Your Mortgage {>= $1,000,000} Total First Mortgage Debt {>= $1,000,000} Interest Rate of Your Mortgage 3.125 % Remaining Term ( Months Remaining ) on Your Mortgage 320 Mortgage Insurance Coverage Percent 100 % Modification Fees Paid by Investor {$0.00} Monthly Payment Information Principal and Interest {$3400.00} Real Estate Taxes {$1000.00} Hazard and Flood Insurance {$220.00} Homeowner Association Fees and Escrow Shortage {$0.00} Months Past Due 13 Imminent Default Yes Important information regarding NPV Evaluation results obtained from this site. Homeowner requests a copy of previous NPV Report of Banks Servicer basis of denial report previously to deny the homeowner a " change of circumstances '' denial. The DOJ guidelines allow for a change of circumstances, to really for a loan modification after 1 year of payments into the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted all XXXX credit bureaus in reference to several accounts on my credit report it has now been over a year and still the items remain on my credit report and they have yet to respond to any attempts I have made in regards to the errors on my report

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX XXXX XXXX. 
Department XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from XXXX XXXX ( South Dekota ) XXXX from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand Portfolio Recovery Associates LLC. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: i have been attempting to get a loan modification however bank of america is stalling on my mortgage file.they are not wanting to review my file because they are asking for a profit and loss statement from a CPA. i do not have a cpa. i have sent in all documentation necessary for them and bank of america continues to play games with my mortgage. i do not want to lose my house.

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 08/17/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I got behind on my payments after being on time for 15 years. I made my last payment of XXXX in XXXX and XXXX turned it over to Rushmore. With them I filed a loss mitigation form and was accepted. They put my deceased mother on the contract so had to send a death certificate. I received a letter in XXXX saying they received it and then 3 weeks later received a letter saying it was filed. They were suppose to send a new package but still have n't received it and no one can give me an answer when I call. I feel like they are avoiding me, I do n't want to lose my house. I 've called XXXX XXXX who is over the loss mitigation department and is handling my account but she only returned my call one time during my work hrs so I called back and left my cell phone number and she still have n't called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has added this as a collection to my credit report. Under no circumstances or time did I ever have an agreement with the original creditor for services or goods. This collection has never appeared on my report until now. I have never even heard of the original creditor before this point. They are in violation of the Fair Credit Reporting Act.

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 05/31/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Money was not available when promised

Complaint: money was se nt to western union to  be picked up by this person Date of Order :  XXXX / XXXX /   2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  tracking number mtcnDate of Order (   XXXX   ) is :  XXXX  :  XXXX / XXXX / 2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  Status : Picked up Status : Picked up they gave me   XXXX    number which is  XXXX  when submitted to  western they say can not be found, dont know who to contact except western union

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: my loan was transferred or bought by specialized loan services XX/XX/2014. since this loan was transferred from XXXX mortgage it has been marked 1 month behind to the credit bureau for 23 months.I have repeatedly sent proof that I was not late on my payments. there was a mishandling of my funds for almost two years. It has obviously affected my credit and financial wellbeing and continues to do so. Specialized loan service has been unwilling to work with me on this issue even though they have repeatedly admitted this is their mistake to myself and XXXX. Sls is light years beyond the worst company I have ever worked with or heard of. Their negligence is by design. They are a predatory lender who preys on ''sub-prime '' loans. It is clear to me they have something to gain from manipulating peoples financial lives to foreclosure., As of right now they have corrected the payment issue but have n't corrected my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOWS CHARGED OFF ACCOUNT ( SHOULD BE CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS INCLUDED IN CHPTER XXXX BANKRUPTCY FILED XX/XX/2105

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Debtor is inaccurately reporing a debt to the credit bureau. The debt was discharged in a Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with STERLING JEWELERS, INC. (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Transaction issue

Complaint: I canceled my service with my TV provider correctly in early XXXX. That company charged me in error for another month of service on XXXX/XXXX/XXXX. I contacted the company to complain, and when I did not initially receive an adequate response, I contacted Capital One to initiate a dispute. Capital One credited my account XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my TV provider also provided a credit. This essentially left me underpaid to that company for my final payment and they sent me billing information. 

On XXXX/XXXX/XXXX, I used a credit card with a different company to pay the TV provider in full. 

On XXXX/XXXX/XXXX, Capital One reconciled statements and realized I had received XXXX credits for the XXXX payment. They added another transaction for the payment to forward to the TV provider. Because the balance owed had been with the TV provider and because it was settled using a different financial institution, Capital One did not need to charge me again. The company did so and then refused to offset the transaction stating that they do not have an option to remove the charge. As a result, Capital One has cost me {$100.00} that they did not provide a service for ( paying the final payment for my TV provider ). The company has refused to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates , LLC ( PRA, LLC ) sent my household a collection notice under a name that is not mine. In addition, PRA, LLC is attempting to collect on a time-barred debt over 14 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: APR or interest rate

Complaint: Back a XXXX ago I had to take my XXXX yr old son to the XXXX with a XXXX. Once there I was told by the XXXX that he needed a XXXX. I had no insurance at the time and was given a number to call ( Care Credit ) in which I submitted some income info and the lady on the phone told me right away I was approved for XXXX in XXXX and I would pay them on a monthly basis. I asked her what would be the payments and she said around XXXX. I said ok and got my son took care of that morning. At no time in the phone conversation did the lady tell me how long I had to pay it off just what the payments would be and at the time I was very upset and needed to get my sons XXXX took care of because of the pain he was in. It was a very stressful situation. I made my payments on time every month but then all of a sudden I went from owing around XXXX to XXXX so I called them and asked what was the increase in my balance for?? I was told that if you do n't pay it off in XXXX months they add to the balance, of course I 'm irate and asked them that if I paid if off then can they adjust the other off, of course she said no ... I was not told this in the XXXX office that morning by them. I then called my XXXX office and gave them a piece of my mind as well. I just saw on our local news a report about this same thing and people complaining about Care Credit not giving this information out in the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: tax liens ... was removed and put back ... they 're not liens of anykind

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: a- all of the prior above. 

" the gecko wont leaf me alone.Ive thrown him off the empire state bldg and he keeps hounding me for money. " -hedgehog seriously. WERE DONE with companies so claiming that they " support veterans ''. first XXXX and now XXXX have extorted me, not processed payments correctly, overcharged me, etc. 

4 months straight I was billed 2x normal rate. When I had enough, I terminated the policy and switched to someone else. XXXX has beeen harrassing me since. XXXX XXXX TN FBI XXXX has been notified.The extortion continyes w false statements to my credit file and unlawful debt collection activities by third parties. Their fax machine wont reliably maintain the connection. XXXX XXXX WILL. SO SERVED IN COUNTERCLAIM.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX This is on my credit report and I have never signed up with XXXX. Please remove this from my credit report as it does not pertain to me. I have never lived in California and if this debt is no longer in your hands then you need to remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid off my XXXX XXXX consumer loan accounts, XXXX and XXXX. It 's been over 5 months ( XXXX ) and 2 months ( XXXX and XXXX ) and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.

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 08-12-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I have disputed it with Equifax and am awaiting a response. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continuously call even after i have spoke with them to tell them we will be in and i have ask them not to contact me at this number yet they still do. They call several times a day even if the payment is one day late. They are very rude and forcefull when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with Consolidated Recovery Group, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a collection on my credit that does n't belong to me How do I dispute/ prove that it 's not mine?

Company response to consumer: Closed with non-monetary relief