milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Enhanced Recovery is reporting a collection account to the major credit reporting agencies regarding XXXX XXXX XXXX cable, claiming I owe XXXX XXXX XXXX {$89.00}. I do not owe this. 

I had a 2-year contract with XXXX XXXX XXXX. I paid for the entire 2 years. At the end of the 2-year contract, I declined to renew. I did not have any outstanding balance. A few months after this, I did receive a bill from XXXX XXXX XXXX for approximately {$89.00}. I called XXXX XXXX XXXX and was told the amount would be credited back. Yet, more than a year later, E.R.C. is attempting to collect this amount on their behalf, and reporting to several credit bureaus that I have an unpaid account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with Consolidated Recovery Group, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a letter in XXXX, 2016 from Consolidated Recovery demanding I submit a payment to satisfy an old BUSINESS transaction. The original debt was in the amount of {$4900.00}, which happens to have been a chargeback for a trip to XXXX. I think it 's important to say that the trip was a group of 24 people and 1 couple decided to dispute to charges and, well things went downhill from there. The point is, I should have never been held personally responsible for a business transaction. My Company, XXXX XXXX XXXX and DBA/ XXXX XXXX XXXX XXXX is and always have been listed on the attached support documents. They include, business insurance, GA. Corporation, IRS - EIN Number, Travel Supplier Membership, Credit Card Processing agreement, and Articles of Organization.
THE MOST IMPORTANT FACT IS THAT I NEVER RELINQUISHED RESPONSIBILITY OR PAYMENT GUARANTEE FROM MY BUSINESS TO MYSELF. ADDITIONALLY, I HAVE NEVER SIGNED ANY AGREEMENTS AS FURTHER PROOF. The collection agent wrote in a letter, that I signed an agreement electronically taking personal ownership and guaranteeing responsibility. THIS IS FALSE, UNTRUE A LIE! Today Consolidated Recovery has placed on my credit reports verberage implying, they are the creditor, That I 've have owed nearly {$7000.00} since XXXX, 2016 which continue to accrue interest.
I have also contacted my States 's Attorney General, since they have also threatened to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We have been approved for a trial payment plan for a HAMP loan modification. The unpaid principal balance for the loan modification would be {$580000.00}, but the ending scheduled investor balance is {$520000.00}, based on the XX/XX/XXXX remittance report. According to the Pooling Service Agreement of the Option One Mortgage Loan Trust 2006-1, Section 4.04 Remittance Reports ; Advances, the obligation of the Master Servicer to make Advances is mandatory, even if the mortgagor does not make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Capi tal One filed a lawsuit against me in  XXXX  for a debt that was not incurred in  XXXX . They also sued for an amount much higher than I actually owed. Once I got an attorney to defend myself, they dropped the suit but are still reporting this incorrect amount of debt on my credit report. I asked Capital One during the lawsuit to provide proof that the debt was valid and the amount was valid, but they never provide d anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.

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 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting incorrect information on credit report in regards to a student loan that I have. It shows XXXX pate payments for an account that I have had a forbearance from XXXX in which those XXXX late payments were contained inside of my forbearance thus never having my account late at all. The FTC advisory opinion on Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information ( loan provider ) to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. The months that report late were in covered by my forbearance and need to be changed to a positive status. According to the FTC opinion of the FCRA they must update my report.

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 02/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My first payment to Nelnet was XX/XX/2017. I called over three times to verify payment info because I was nervous given their reputation. I use my banks bill pay service for everything & in 20+ years have never had a payment issue. The payment was sent electronically when I was paid on the XX/XX/XXXX. I got an email from Nelnet on the XX/XX/XXXX my payment was missing. I called & was told by two different people they refused my payment, noted my account & sent it back! They wanted my bank acct # to take money out of and had no intrest in remedying the issue with the existing funds in " limbo ''. They already have my money. They said they noted my account about the payment coming in, sent me a letter & have sent the funds back however I have yet to receive anything. I am livid at the unprofessional business practices. 
They got the payment, knew what acct it was for & refused to apply the payment. They now want me to pay them again by giving them my account number which will give them access to very badly impact my financial life. I was supposed to refinance my house soon but if Nelnet is trashing my credit score playing with payments then my score is toast. 
I called the dept of education to file a complaint on the XX/XX/XXXX however they refused & told me i needed to consolidate my loans with a different company to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an MSI I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: I worked with a lender from prime lending and everything was going wonderfully until about 2 week before closing. I had not heard from her in quite some time when one day, about 3 days before our closing should have been, she called and " made me promise not to get upset '' she went on to tell me that my FHA loan had been denied, after previously switching from conventional due to debt-to-income-ratio issues. So, she asked if I had any more money to give to help us go back to conventional. I said no. Flat out no. I had saved {$11000.00} to someday use to purchase a house. I knew fully well that ALL of my savings would be going into my house, and my realtor and lender both knew this. She later called back and stated that she had already put my husband on the loan, EVEN though I was never asked if this was ok. Apparently her supervisor told her to include him because of his credit. Well, this then made it to where all his finances would be legally necessary to use for the house. To get us to 5 % down, we would need {$3500.00} of my husbands {$5000.00} in savings. That would mean that to by our new home would be financially crippling ourselves ; draining my entire savings, and 70 % of my husbands. This was not ok, considering my husband had just quit his job and had ZERO income. Another fact my lender knew. It was never my decision. Our lender took complete advantage of us. AND this was after she had to award us hundreds of dollars in waived fees to make the loan go through. It was clear that we were not a priority, we were a paycheck. Now my husband and I are still trying to make ends meet with no money to fall back on, because of a decision that was made for us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Incorrect/missing disclosures or info

Complaint: Western union failed to say that if i use a credit card to process my transaction it will cost me money from my Credit card as a cash advance

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/16, I called the XXXX XXXX credit card company ( XXXX ) to let them know that I was not going to allow an authorized user ( XXXX XXXX ) to make any further purchases on my account. I was assured that she would be taken off and I would have no issues. on XX/XX/XXXX, I entered into my XXXX XXXX account to review it. I saw that there were XXXX rather large charges ( totally over {$1400.00} - XXXX including {$1000.00} in a gift card and another charge over {$200.00} made in XXXX XXXX ) assessed to my account. I immediately called them to dispute these charges as I had a XXXX balance on the account before these charges. I was directed to their fraud department and sent a subsequent report to fill out. I was told that the result could take 90 days. During this time, I received several harassing phone calls from them to pay my bill ... .I told them that the fraud dept told me that I was not to pay anything, nor would any interest be charged. until their investigation was complete. Today, I received their results ... ..I was not going to receive the proper credits because, in their words, " customer benefitted from the use of card/participated in the purchases. '' This was NOT possible as I was not even in the city of the store when they were made! In reviewing my on line account again today, I see that the purchase made in XXXX XXXX was indeed credited ... ... how, then, are they ignoring the other XXXX? I did not authorize any of them and, as stated, did not travel to XXXX XXXX, nor was I in the vicinity of the store where the purchases were made!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.

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 10-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was sued by XXXX XXXX XXXX. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on Friday, XXXX XXXX, 2014 at XXXX XXXX at my home. I was at work almost 25 miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am XXXX and XXXX eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX ( XXXX XXXX ) should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid {$1000.00} of this debt which is MORE than the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Payday loan () with Big Picture Loans, LLC (ND).
Issue: Charged fees or interest I didn't expect

Complaint: I was looking online to get a quick loan for a bill I had neglected that needed to be paid. I selected big Picture Loans. I was approved for {$600.00} with a fee coming to a total of {$800.00}. I talked to the lender over the phone and all that was mentioned was the fee of {$200.00}. I just paid what I thought was my last payment on XXXX/XXXX/XXXX. Making the total {$860.00}. I received an e-mail later on that day that my next payment was scheduled in two weeks. I thought that did n't seem right, and went to check why I still had a due amount. After clicking to review documents I discovered that I was being charged an astronomical amount in 749.4296 % in fees. Making my {$800.00} loan {$4200.00}. I did not agree to this, nor was I informed on such a high rate of interest or I would have not chosen this company. I am beyond enraged that they are getting away with so much of my money. I have paid my due loan of {$800.00} and that should have been that. Not a payoff date of XXXX XXXX for a loan so small.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: #NAME?

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 06/15/2016 about Debt collection (Medical) with Arcadia Holdings, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A few years ago someone was using my social security number for their own advantage. I contacted the IRS and made them aware of the situation. I lived in XXXX, MA for the past 15 years and I also work there. I file my taxes every year and I use a pin number assigned to me by the IRS. I checked my credit report and someone went to a hospital in XXXX and got a bill for {$1700.00}. That person is using mu identity. I have XXXX XXXX XXXX XXXX of Massachusetts. That collection is ruining my credit, after I worked so hard to clear my name and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIZENS FINANCIAL GROUP, INC. ().
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I AM A US CITIZEN LIVING IN XXXX. I HAVE A CHECKING ACCOUNT WITH CITIZENS BANK OF PENNSYLVANIA, XXXX XXXX XXXX. I HAD A DEBIT CARD ASSOCIATED WITH ABOVE ACCOUNT THAT EXPIRED XX/XX/XXXX. PREVIOUSLY EXPIRED CARDS WERE REPLACED AUTOMATICALLY. THIS TIME NO CARD WAS FORTHCOMING. I HAVE CALLED SIX TIMES THE TWO XXXX NUMBERS PROVIDED TO DEMAND A REPLACEMENT. EACH TIME I WAS TOLD IT WOULD BE SENT ASAP. THE MOST RECENT TIME I WAS TOLD IT WOULD BE SENT XXXX. NO CARD HAS YET ARRIVED. MY LAST CALL WAS YESTERDAYXX/XX/XXXX. EACH TIME I TALK TO A DIFFERENT SERVICE PERSON TO WHOM I HAVE TO REPEAT A LITANY OF SECURITY INFORMATION AND RECOUNT THE PROBLEM IN DETAIL. EACH CALL HAS LASTED MORE THAN 30 MINUTES, SOME OVER AN HOUR, SOMETIMES BEING PUT ON HOLD INTERMINABLY TO CONSULT A SUPERVISOR. SPECIFICALLY THE PROBLEM REVOLVES AROUND THEIR NOT BEING ABLE OR WILLING TO VERIFY THAT A CARD HAS BEEN SENT AND NOT BEING ABLE TO GIVE ME A TRACKING NUMBER FROM XXXX WHICH I NEED TO CALL THE LOCAL OFFICE IN XXXX XXXX TO DETERMINE IF IT HAS ARRIVED. THEY TOLD ME THAT A CARD HAD BEEN SENT BUT RETURNED UNDELIVERABLE, BUT XXXX DENIES THIS. I ACCESS MY RETIREMENT INCOME PAID TO THE CITIZENS ACCOUNT USING THE DEBIT CARD. WITHOUT IT I CA N'T GET MY MONEY. I NEED THE CARD NOW OR SOON I WILL BE WITHOUT CASH AND DESTITUTE. THEY MUST, IF AND WHEN, THEY SEND THE CARD, GIVE ME A TRACKING NUMBER. WITHOUT IT THEY CAN GO ON OBFUSCATING ( SHOULD I SAY LYING? ) INDEFINITELY. THEY ( THE SERVICE AGENTS ) SAY THEY ARE NOT IN CONTACT WITH THE XXXX OFFICE AND HAVE NO WAY OF SENDING ME A TRACKING NUMBER ; LIKEWISE, THEY WO N'T TELL ME WHICH XXXX OFFICE WILL SEND THE CARD, WHERE IT IS LOCATED, AND WHAT ITS TELEPHONE NUMBER IS. FOR TWO MONTHS I HAVE BEEN CALLING IN VAIN. I NEED MONEY NOW. WHO CAN MAKE THIS BANK SEND ME MY CARD?

Company response to consumer: Closed with explanation