milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On Sunday, XXXX XXXX, XXXX my equifax score dropped from XXXX to XXXX with no explanation or reason. I know there was a recent breach with equifax and maybe it has something to do with their error. My current address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I own this home as of XXXX XXXX, XXXX. My old address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX should be listed behind my current address. Please correct these errors immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The IRS withdrew a tax lien against myself and my spouse. Both the IRS and I have provided a copy of the form XXXX to all credit reporting agencies and XXXX immediately removed this public record. Experian has failed to do so therefore I filed a dispute. I received the results of their " investigation '' and they refuse to remove this public record even though it is no longer valid whatsoever.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A company called XXXX XXXX performed a hard inquiry on my Equifax credit profile on XX/XX/XXXX. I do n't know who this company is or how they have my information if they even have my information. I emailed at XXXX them on XX/XX/XXXX upon realizing they had pulled my credit report and told them to please contact Equifax to have the inquiry removed. They have not contacted Equifax and have not responded to my email. 

Based on the inquiry, the creditor contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with Genesis Lending (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX in XXXX, VA. I was a XXXX student. I feel that the loan should be wiped away because the school did not give me what was paid for. For the first 2 months we did not have a teacher. When we got her she was great. The software that was supposed to go with our classes never did work not even XXXX day. The transcription class was not taught. Did n't even open the book we paid for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a QWR to XXXX/Seterus On XX/XX/2016 there was no response to my questions but they did withdraw the foreclosure on the XX/XX/XXXX. I still have not received any answers especially about being reimbursed for all the fees/penalties & over payments of mortgage. In stead I was sent a statement charging me for their expenses related to the false foreclosure & increasing my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Payday loan () with CHECK INTO CASH INC. (MO).
Issue: Charged fees or interest I didn't expect

Complaint: Took out a, loan of {$550.00}, payments automatically taken from my XXXX card for {$100.00} on the XXXX and XXXX of each month. Interest rate is % XXXX totalling XXXX being paid back on a {$550.00} loan. I have since lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The plaintiff Bayview Loan Servicing , LLC the making illegal summons complait to foreclosure with doubt posting a residential {$100.00} Bond. 
The complaints was not proper verified and notarized. 
The Assigment of mortgage have comflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I received my most recent statement from Chrysler Capital Friday XXXX XXXX. I made a payment using bill payer from my bank, which I use for all my payments with Chrysler Capital. Reviewing the statement I had questions about the balance on my loan. 

I contacted Chrysler Capital and discussed the issue with their rep. I confirmed that the original loan was for {XXXX}. I asked the rep to confirm how payments I had made. At one point it was XXXX, another then XXXX, and then XXXX. He had no idea which number was correct. Reviewing the statement it stated I had made XXXX payments of {XXXX} each. He confirmed the amounts of the payments. I asked why if I had made XXXX {$XXXX} payments why my payoff showed a total of {XXXX}. I asked why it was that high since XXXX X XXXX is {XXXX}. Subtracting the {XXXX} from {$XXXX} leaves a balance of {XXXX}. Why was the payoff {XXXX} more on the statement? 

He checked various records but could not come up with any explanation and promised to have someone or hi boss call me before the end of the day. No one called. 

I have no confidence that Chrysler Capital has any idea of what is going on with my account and do not trust them. Why ca n't they find records that can explain what happened to my payments and the discrepancy between my calculations of what the payoff balance should based on their record on my statement reporting I had made XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Attached is a copy of a collection letter from ProCollect addressed to my deceased wife, XXXX XXXX, who died on XX/XX/XXXX. Approximately 2 years ago, ProCollect started contacting my wife by phone/mail regarding this debt. At that time I contacted ProCollect by phone regarding the alleged debt and was told that it was for an emergency room doctor who treated her at XXXX XXXX XXXX prior to XX/XX/XXXX. ( I do n't recall the exact year, but it was prior to XX/XX/XXXX. ) This was the first contact that I can recall that was ever received regarding this debt. I verbally explained to ProCollect that it appeared that the Texas statute of limitations ( 4 years ) had expired on the debt and that I could not verify the fact that my wife owed the debt. I disputed the debt in writing and asked for verification, but received no reply. ProCollect has phoned many times ( not less than XXXX times ) and has sent many letters ( not less than XXXX ) to my deceased wife regarding this debt. The actions by ProCollect are a violation of the Federal Fair Debt Collection Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I LIVE IN A BANK OWNED HOUSE. I WANT TO BUY IT. BANK HAS NOT acknowledge or help me. In Me buy it.THE HOUSE I LIVE IS SOON GON NA SELL.I WANT TO BUY IT

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS is attempting to extort me of additional fees ( Escrow/Impound Advance Balance, ) if I choose to payoff the loan ( see attached payoff statement ) .that was sold by XXXX to SLS unbeknownst to me until Monday XXXX XXXX, 2015. Attached is the purposely bogus erroneous welcome letter that I NEVER received from SLS due to their ineptness and incorrect mailing address on it. In making the purchase they should have gotten my mailing address correct and properly address me as a NEW client!!! with all this unknowingly to me taking place, they have pretended to claim that I was paying taxes, and insurance through a impound account with XXXX which I was NOT. attached are the last XXXX monthly payments that I paid to XXXX on the mortgage that SLS bought, and NOT XXXX of them included ANY impound account for taxes, and insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Credit card debt) with DISCOVER BANK (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I previously submitted a complaint involving Discover Card. 
They are reporting on all 3 credit reporting agencies that I have a balance of {$6000.00}. 
At one time they were reporting that the balance was {$330000.00}. 

I received a letter from the attorney 's involved in the matter and they are saying that the amount that is due is {$3400.00}. I have contacted the attorneys concerning the matter. I have offered to pay only with the guarantee from them that this account be deleted from my credit report. Dispite several letters, I have had no response. 

Please see attached file which is the letter from XXXX XXXX XXXX. It clearly states that the balance due is {$3400.00} ... .not {$6000.00} as reported on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Altisource Portfolio Solutions, S.à r.l. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My name is   XXXX   XXXX   and  All this st arted with the nationwide cre dit Inc. I owe  them a total of {$110.00} a month I called on the third and told them that it was going to come back as insufficient funds because I did n't have it this month I Live off my  XXXX  well they did n't inform me that if it was insufficient funds they were going to try again the same month and the first attempts to collect the debt my bank told me that because it was insufficient funds they would take {$30.00} out As a fee what on the seventh they took it out again an d 30 more  dollars was taken out and now I 'm overdrawn {$110.00} because things that should 've gone through could n't go through because they tried to collect second time I called them and explained this to them after I realize the se cond 30 was ta ken out because they could n't get their money and they were quite rude and told me that it was my banks fault I could n't get my money back and that it 's common knowledge that they tak e it out two time s which they never told me that so now they 're making it sound like they do n't want to give me the money they owe me I 've called several times now and every time I talk to somebody at the nationwide credit I get a different answer and they keep telling me that we ca n't give you a timeframe as to when this all be resolved we have no idea it 's just been a lot of headache and they should 've just warned me when I started up the debt collections the first time hey if you do n't have it we 're gon na try again and they never mentioned that they only mentioned it after I said to them how come you took it out a second time this month then they were like oh yeah about that you should just know tha t debt collectors  are going to take it out twice which I was told by another debt collector is n't true he said once it goes insufficient they should 've had the courtesy to call me and tell me hey I did n't get your money and set something else up not just try again which is what I got but they 're pretty rude over at that nationwide credit I really am not thrilled with the service I am getting at all I just want this to be resolved because I was {$110.00} overdrawn and I ca n't afford it and it 's just frustrating that they do n't want to even take the time t o fix it.  XXXX  (  XXXX  )  XXXX  That 's their office number if you want to get a hold of them good luck  I hope this  can be resolved because this is very very frustrating signed a very frustrated  XXXX   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 08-08-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX a Fraudulent Unauthorized Transactions came from a CLKBANK {$19.00} I reported to XXXX my card was stopped and a new card sent out ( card was stopped due to fraudulent unauthorized transactions ) I was told the card needs to be stopped! After that call to BBVA I called the company and told them this charged was not authorized by me that said my card will be issued a refund for the amount of {$1900.00} and that was done, BBVA has still choose tot make me pay for {$180.00} in overdraft fees and late fees on the overdraft fees for the fraud that happen on the account on XX/XX/XXXX When did the law change for the customer that has had Fraudulent charges done without consent or authorized has to pay for fee etc. that the bank policy is that when fraud happens the card must be stopped and all fees will be removed well all of those things has happen but BBVA has REFUSED to move the Fraudulent Fees on my account due to Fraud and I demand they removed these fees. This is the 2nd time this company has charged our card and that was just cleared up by them so both cards has had to be closed because of this {$19.00} charge from the same company.. REFUND OF NSF/OD FEES OPS COMPLIANCE SUPPORT FOR REG-E DISPUTE # Fees & Charges XXXX Banking Fee XX/XX/XXXX {$120.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Medical debt) with Cascade Capital, LLC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX sent a debt of {$470.00} to XXXX XXXX XXXX XXXX. in XX/XX/XXXX. XXXX XXXX XXXX XXXX used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} ) in XX/XX/XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XX/XX/XXXX and I sent proof of payment ( bank statement copy ) in writing in XX/XX/XXXX. In XX/XX/XXXX, I  received a call from Cascade Capital LLC XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

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 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: ive asked for a signed contract they will not show me anything signed sends me a list of bills from itr but nothing signed by me. XXXX complaint always same response. want a signed contract from me or removed i dont beliave i have ever had XXXX i have had XXXX for 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
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: I opened an auto loan with XXXX XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid every month and was not late once, EVER. As of this year I filed bankruptcy on XX/XX/XXXX Due to the issues I continually had with the car, my lawyer and myself thought it would be best if I included the car in my bankruptcy. I still continued to pay my car payment monthly up until the company came to pick it up from my home. My monthly payment was due on the XX/XX/XXXX of each month. I did not pay my payment XX/XX/XXXX because at this time I had already told them They could pick-up the car and that It would be included in my bankruptcy. My due date for XX/XX/XXXX would have been XX/XX/XXXX, they picked the car up XX/XX/XXXX. On XX/XX/XXXX they reported to the credit bureau as a charge off! 1. This should re reported as " included in bankruptcy '' OR " dismissed ''. This is not a charge off at all. I have told them about this and it still has not been fixed, I have also disputed this with Experian who is reporting this, and the dispute came back as " valid '' They said the company who reported the charge off ( XXXX ) certifies that the reporting is correct. How can that be? How can they report me as a charge off, when it should re reported as " included in bankruptcy. '' Also it is my understanding that a charge off has to be 120 days or five missed payments, in order to be defined as an actual charge off. When they reported this as a charge off, I was not even 30 days past due, I was only 2 weeks past due technically. Please look into and have this fixed.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, XXXX 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 (Payday loan debt) with BlueChip Financial (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago. 
They lie and say my husband setup a payment arrangement, which I know is not true. 

These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with Transunion and  XXXX . Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance 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 explanation
Consumer complaint received 06-09-2017 about Mortgage (Conventional home mortgage) with MIDFIRST BANK (IN).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additiona l required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).   The lender as of  XXXX / XXXX /  XXXX   has stated the file is deemed complete and has been submitted for review with the underwriting team - The lender is in violation of Dual Tracking laws since that are refusing to postpone/hold the sale set for  XXXX / XXXX /  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