milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Model Finance Company (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MODEL FINANCE sold my debt I owed them to XXXX XXXX XXXX.  MODEL FINANCE is still showing a debt owed to them as well as XXXX XXXX XXXX showing a debt. Both are reporting on my credit report.  So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since MODEL FINANCE no longer owns this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with Crown Asset Management, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have received 2 letters from this company threatening to sue me. They are sending fake letters to look like court documents. They are also contacting me at work and calling friends. They do not tell you what the debt is. After reviewing the company online it looks as if this is their scare tacit to try in collect money they can not provide proof they own this debt if in fact there is debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has been deleting inquires off my report due to error, and then reinserting these inquires without legally notifiying me of what they had done. I called their customer service number to have these inquires removed via section 611 of the FCRA about having to be notified with in 5 days of any changes to my credit report, but they will not listen to me even though I have been telling them I am a victim of their data breach. I want all these inquires removed. These are the inquires, and dates below XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also delete these addresses at which I have NEVER lived or received mail at XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery Company is in violation of the FCRA, Frank Dodd Act and the FDPA by continuing to report a collection item that was paid in full directly to XXXX in the amount of {$690.00} on XX/XX/2017. Enhanced Recovery Company is asserting that I owe a shadow debt in excess of $ XXXX.This account is paid in full and is still reporting as an open collection on my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Somethings were disputed. And I have n't got a response. Then also they 're a of inquiries that are n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Payday loan () with Duvera Billing Services, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I applied to have a loan from a company named Duvera Financial so I can paid for my Truck transmission repair for the amount of {$1500.00} in XX/XX/XXXX. I assume they told me 3 months without interest, but I undestood XXXX month without interest so I gave my XXXX XXXX XXXX account number and they withdrawn the monthly payments from XXXX to XXXX XXXX for the amount of {$280.00} each payment. So when I made the XXXX payment I found out that I was only XXXX month without interest not XXXX months so I asked for the amount to pay off the debt and they told me {$1000.00}. 
I asked my daughter to lend me a credit card to payoff and I did it on XXXX XXXX for the amount of {$1000.00}. 
Days later my daughter forgot about the payment and asked the bank for more info about this company, but they never retained/stooped the payment but they only asked more information to this company ( XXXX ). In this time ( XX/XX/XXXX ) XXXX XXXX deposited a temporary sum of {$1000.00} in my daughter 's account while they investigated the issue.That is the moment XXXX called me and said that now I owe them the sum of {$1300.00} to pay off the loan. So in XX/XX/XXXX I paid XXXX Financial the sum of {$1300.00} to stop any confusion and more interest charges. Also we asked XXXX XXXX to stop the investigation and we plead Duvera to return the over-payment they told us they needed more time and they promised they will return the money by the end of XXXX. In XXXX we claimed XXXX XXXX to proceed and return the over-payment of {$1000.00} since XXXX never responded to us. In XXXX XXXX XXXX finally returned the amount {$1000.00}. 
I received a call from XXXX now saying they are going to send to collection because I owe them the sum of {$29000.00} and if I do n't pay them they are going to proceed with the collection process.If I pay them the sum of {$290.00} they will send me a letter to cancel the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is not mine debt, it was sold to Portfolio Recovery Associates LLC and without any notification it has been reported to all three credit bureaus since X/2016. There is no legally binding contract with my signature between this company and my self. Even after several request for this information I still have not received it and they continue to report false damaging information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: My husband passed away and  XXXX  times I have faxed and mailed to them the DEATH CERTIFICATE to remove my husbands name off of the loan. They have not done so, even thought they have promised many times.   I want his name to be removed. I am attaching the death certificate again to you in order for his name to be removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received a letter and payment coupons from Navient in reference to student loans for the first time this month. I never heard of the company and never had any contact with them prior ( had to research the company ). They stated I had a loan disbursement dated XXXX/XXXX/XXXX ( see the attached document ). I am not sure how that is possible because I did not apply for a loan in XX/XX/XXXX. There was no letter advising on the history of the loan ( how it originated and with whom ). I can not validate this is my loan but I am expected to start payments XXXX/XXXX/XXXX. This is not acceptable. Also the amount expected to be paid is too high and I can not afford it since I recently came out of Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I saw charges on my account that were not authorized - when I contact company they refused to show proof or even explain the unauthorized charges by them - they marked my payment as late and it was n't even due yet. I closed my account on XX/XX/2017 and they are still showing it open and showing late payment on my credit card when the card has been paid in full and closed on XX/XX/2017.

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 06-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage loan that was sold to JP Morgan Chase. 
It is an interest only loan I have paid religiously on the loan for XXXX years. 
I have also paid my own taxes on my home - I have never escrowed taxes for Chase to pay for me. I never agreed for them to either pay the taxes or escrow for future tax payments. 
In XX/XX/XXXX Chase took it upon themselves to pay my taxes and then demand payment from me for those taxes and an additional {$2000.00} per month for my mortgage ( apparently to escrow for my {$5000.00} annual tax bill ). I was not late on my payment of taxes. 
At the same time, I was having a business problem and I could not pay the extra amount. They have started collection procedures on me and have ruined my credit. 
Their demand to me is unconscionable - I never agreed to any of this and no one talked to me from Chase bank before they took unilateral action. 
They have abused me and are making an unreasonable demand which I will not agree to. This bank is so large I can not get anyone who has either understanding of the situation or can do anything about this travesty to make it right. They call my ex-wife and harass her. They harass me. I make phone calls to Chase to find someone who can understand this issue. I always end up talking to someone in XXXX. They can do nothing. They transfer me to a U.S. representative. They wo n't even take the time to understand the problem or find someone who can help me. It 's now affecting my credit. I can find no one who can talk to correct this grievous mistake and the abuse just grows. This bank is always defrauding consumers and they are defrauding me now with this unilateral action on their part. One only has to search online at the abuse they do to people.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion has not removed! XXXX via XXXX XXXX multiple hard inquires XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?

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 11/25/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had numerous issues with equifax. They continuiously add a derogatory mark " medical bill, '' that has been taken off at least twice in the past 4 years. This will make the third time. Hopefully, going through you guys can remedy this situation. Im not sure who is to blame, the company that keeps reporting or equifax. I thought this had been solved, has n't been on report for well over a year. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (OH).
Issue: Managing the loan or lease

Complaint: I have had a loan with Bridgecrest formerly XXXX XXXX Since XXXX, and a lease prior to that. I got behind in my payments due to my husband being hospitalized. I was reached out to by Bridgecrest by XXXX XXXX ( I have emails attached ) stating that she could help me get back on track, and I needed to make a payment by the XXXX of XXXX. I emailed her back stating that would be wonderful and made the payment as directed. I received another email from XXXX at Bridgecrest saying they had not heard from me and I owed a past due balance. I called Bridgecrest a total of 8x now for XXXX XXXX who said she would have the agreement finalized by today XXXX/XXXX/XXXX. I reached out to her again a hour ago and was told she would call me back within ten minutes. I have done what was requested of me and now am getting the run around. I just wish that Bridgecrest would tell the same story twice and be accessible. This is the not the first time I have had issues with this company.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I applied for an auto policy from XXXX, an insurance carrier, and XXXX suggestet that a credit file was obtained from TransUnion. I have requested a copy of the information on file at TransUnion, but TransUnion has not provided such.

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 11-03-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I have paid over a XXXX dollars on a XXXX dollar loan and still have XXXX payments which will make it XXXX dollars the Annual Precentage Rate is 596.6755 % the finance charge is XXXX this was not made aware to me at the time of loan submission. The Name of this company is Big Picture Loans which i have come to learn has done this to alot of other people based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This has happened before already with the same account which does n't belong to me ( XXXX ) that has been forwarded to a collection agency. This is identity theft and I will not allow it to ruin my credit score again

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX College XXXX XXXX and was called into the financial office many times saying that I needed to pull out more loans because my Grant did not cover my XXXX Quarter. They picked the loan for me to pull which was a company named Genesis. They would literally pull me from class or put a hold on my access to computers so that I would have to directly go to the financial office in order to lift the hold on my access to school computers. I was also pulled out of class and was told that I would have to make cash payments or " house payments '' of {$20.00} a month for a total of {$500.00} for a " opportunity grant '' or so I was told. Even though they knew I did not have a job and was a single parent trying to make a better life for my daughter. I had to ask my mother for help to make a loan payment from e-payment which I believe they had me sign up XXXX on purpose saying I never made the payment in order to get XXXX payments at a time. They were to take out {$40.00} cents once a month and were taking {$80.00} a month instead. I called them numerous times to cancel XXXX payment because there should n't have been XXXX and they said they would fix it and still took out {$80.00} until my mom cancelled them on the day my school closed because I was told I would not be able to finish my last quarter without making those payments because that was the quarter my Grant supposedly did not cover. Who would of loan that 's exactly what had happened, I was in my last quarter at my internship site and was n't able to complete my last quarter anyways even by pulling out that loan they said I had to have to finish school. Now I have so many loans and no degree and in an even bigger hole than I was previously in. I thought going back to school would help make our lives better but I am even more messed up then I already was. can someone please help us in the right direction, I really am just so lost. please and thank you.

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 08/13/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage loan with Green Light Loans on a Re-Finance, after many weeks I was turned down because I had a late payment. I canceled the loan process. A few days later Green Light Loans re-initiated the loan process stating I only had to show {$10000.00} in liquid assets which I did through savings statements and a XXXX XXXX plan. I presumed in doing this that the initial late payment was waived as they reactivated the loan process. 
I then after a week received an email stating that they had tried diligently to get underwriting to approve the loan. It was underwritting request that we show liquid assets to finalize the loan? " deception '' .... 
so we were denied.. this company should not be making loan transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Windham Professionals, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving threatening phone calls from Windham Professionals despite the fact that my XXXX account is paid and up to date.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hack compromised my personal data via Equifax, verified by their page setup to see if consumers had been impacted.
After submitting my information, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX  and XXXX credit files as well. The collections account for santander, Ncb management, needs to be removed as well. If the XXXX account is not valid neither is the collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.

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