milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion XXXX has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.

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 05/20/2017 about Debt collection (Other debt) with Duvera Billing Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I noticed my credit report, and its and account inserted   XXXX   XXXX   XXXX   XXXX  ,  i never opened this account. This account does n't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, I discontinued my service/account with XXXX XXXX XXXX in XXXX XXXX, MO. At that time, I moved into a temporary apartment and had all of my mail forwarded. Upon reviewing my credit report in XXXX XXXX, I noticed that XXXX XXXX had entered a collection notice for {$270.00}. 

I contacted them immediately and they refuse to tell me what the balance was in XXXX XXXX when I disconnected, and they have failed to tell me what the " late fees '' associated with my account. They also can not explain why I rec 'd no phone calls, final billing notice or anything from them for over 6 years, and why all of the sudden they feel obligated to tell me I owe them X amount of $ $ . 

I 'm frustrated that a utility company can basically hold onto my personal information for almost 7 years and suddenly tell me that I owe them almost {$300.00}, and what 's even more frustrating is that I have no proof of what was owed, how much they 've charged me over the years etc ... The only response I have rec 'd from them was an email from saying they do n't contact customers via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with Collection Consultants of California (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Collection Consultants of California provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter on XXXX/XXXX/16 from Dynamic Recovery Solutions for a XXXX account that I 've never had. They say I owe {$410.00}. I checked my credit report a month ago and figured if I owed a debt, that this would be on there, but it was n't. Also, there is no information about this account other than it 's XXXX and the amount owed. There is no dates or information about the account, and the reviews about this company are n't too good - they 've apparently been scamming people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written and contacted Transunion so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

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 05/15/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Credit determination

Complaint: On XXXX XXXX I received a call from XXXX of J.P. Morgan/Chase Bank Email Service dept indicating that they had pulled my Credit Report in error. I do have a Chase Unlimited Freedom account for 10 months, however I had NOT requested any services. XXXX had shared that the error had been fixed and it would be transparent to me. The following day, XXXX XXXX, I receive an alert from XXXX and XXXX that an inquiry had been placed on my credit reports. My credit score decreased by XXXX points on each credit bureau. On Monday XXXX XXXX I called Chase regarding this issue and was transferred to a supervisor, XXXX XXXX. XXXX indicated that my account was documented that an error had taken place and assured me that it would take 3 business days for the inquiries to be removed. I received a letter dated XXXX XXXX indicating that " As you requested, were no longer processing your application for a credit card issued by Chase Bank USA , NA. This truly angered me because I had not requested credit. There is no application and this letter was dishonest and misleading. Then another letter arrived dated XXXX XXXX from Chase thanking me for contacting them about the inquiries shown on my report. They now said that instead of a three day turn around to remove the credit inquiries, it could now take 6 weeks. When I called Chase to get explanation for for the letter dated XXXX XXXX about my request for credit, XXXX XXXX said, did I think that I would receive a letter from Chase admitting their error. I did call the Executive Office and spoke to a XXXX who indicated that they are the largest bank in the country and no promises could be made as to when the inquiries would be removed. I asked to speak to her manager, XXXX XXXX. I left a message for her and never received a return call. MY last attempt on XXXX XXXX, I called XXXX XXXX, the Supervisor at Chase credit card services and she made it very clear that given the size of the bank, no promise of when the inquiries would be removed. XXXX made it clear that no personal attention could be given and if the inquiries are not deleted from my files, it 's between me and the Credit Bureaus and there is no reason to call them back. 
I have banked with Chase for over 20 years and their behavior and pompous attitude has me truly rethinking of banking elsewhere. Chase created this issue and now refuses to see it through. The inquiries dated XXXX XXXX 2016 remain on my XXXX and XXXX reports and has impacted my score. Any assistance to get Chase to answer for their actions and get the XXXX inquiries off of my credit file would be most appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (KS).
Issue: Problems when you are unable to pay

Complaint: My account is current and One Main Financial continues to call and harass me. The say that I am lying about my payment about how often they call. And today I went to the local office after yet another call from them. And they told me that I did not pay enough to get my account current and made me pay another {$12.00} after they had already taken {$150.00} out of my account on the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Premier Recovery Group (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted my ex husband & ex brother in law regarding my debt.

Company response to consumer: Closed
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (GA).
Issue: Taking out the loan or lease

Complaint: A few months ago I recently reviewed my credit file. I noticed that there was items on my credit file that did not belong to me. I have sent dispute letters to both the credit agencies and CNAC. I did not receive any response back from CNAC. The credit agencies get stating that they verified the information. Since then, on XXXX XXXX, 2016, I sent Fraud Affidavits to CNAC and to all XXXX of the credit agencies. Even after all of my efforts to get this item removed, CNAC still have not removed this item. This is not my account. I did not open this account or authorize anyone to open this account in my name. Please assist me in getting this matter resolved. They have received the Fraud Affidavit because I mailed it Certified Return Receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with Morgan & Pottinger, PSC (TN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX filed a lawsuit which I did not contest and call and set up payments with their attorney. I called and satisfied the debt and received a paid in full letter in XX/XX/XXXX. I am attempting to refinance my home and discovered that while my consumer report shows the balance as XXXX, the attorneys office never filed the proper papers with the court to show the judgement as satisfied. I have called the attorney misled me into thinking that they had sent the letter to my local court clerks office to show the judgement was satisfied. After waiting 7 days for the letter to arrive, the attorney for the mortgage broker I am working with called and finally got the truth from XXXX the rep we had been speaking with. The truth is that the letter was sent to their local attorney in Tennessee, and he will into sign and send the letter to the court in XXXX, Tn. According to XXXX this process could take 30 to 60 days. I lived up to my part and paid the judgement in full. It has been 14 months and the attorneys office has not sent the letter to the court saying that the judgement has been satisfied and now they want me to wait 30 to 60 days longer. By the time this is done if it is done as they say, my refinance will be denied.

Company response to consumer: Untimely response
Consumer complaint received 01/30/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Since our previous complaint, we have received no further correspondence from the lender in reference to the issues that are preventing us from obtaining a reasonable offer. The lender insists that they must net {$230000.00} ; however. that amount is determined by a questionable appraisal. Questionable because of the condition of the property. It is in need of {$15000.00} to {$20000.00} worth of repairs. We believe that this appraisal is prejudiced and have asked for a second opinion. None has been provided. The appraisal was at {$270000.00} and was significantly higher than the previous one of {$260000.00}. Again, neither appraisal has accounted for the repairs needed to bring the property to comparative market value. Furthermore, we have ask for a closing costs explanation as to how the net of {$230000.00} was determined. None has been provided. Prospective Buyers have expressed their reluctance to submit an offer since the valuation has been set too high.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have filed a  609  with   XXXX   on  X/X/17   ,  X/XX/17   , and  X/XX/17   .   Equifax   on on   XXXX   and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17.  Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the  609  law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  two  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit 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 05-09-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Billing disputes

Complaint: I applied for a XXXX card. It had an introductory offer of XXXX miles if XXXX dollars was purchased on the card within the first three months. I did this and redeemed my miles. This card also had an annual fee. I paid all outstanding debts and I cancelled my card prior to the annual fee taking effect via a phone call to the credit card company. I was assured by the operator that I would not be charged because I cancelled within the time frame prior to the fee taking effect. The credit card company has since changed owners and is now a Master Card and is operated by XXXX. For the last 2 years or so I have been receiving bills for the annual fee. I have made several phone calls to customer service explaining that I am being mistakenly charged and am always assured that the mistake will be corrected but I continue to receive bills. I was recently inquiring about taking a second mortgage on my apartment when it was brought to my attention that my credit score had lost about XXXX points since the last inquiry and that it was due to this issue with the outstanding credit cared payment. I have always had excellent credit and always pay my bills so this is very bothersome to me. I believe that the credit card company intentionally refused to fix their mistake hoping I would pay a fee that was incorrectly placed on my account. I would appreciate any help available to fix this issue. Thank you.

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 02-11-2018 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: Information belongs to someone else

Complaint: This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately

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 06-11-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NE).
Issue: Taking out the loan or lease

Complaint: I have a personal loan with Wells Fargo. We got behind on payments when I was unable to work due to XXXX due to XXXX. They refused to set up a payment plan. Every time I called to try to make a {$300.00} payment they said that was n't enough. And refused any payment at all, letting the account get even further behind. I tried to make a payment at the beginning of XXXX and they said it was n't enough. I told them I would call on XXXX XXXX and make a {$610.00} payment. Before I had a chance to do so, without any notification they took {$910.00} out of my checking account. According to them that was completely legal and they do n't need to even tell us first. I have been a wells fargo member since 1990 and feel completely taken advantage of.

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 12-09-2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: Issue : On XXXX/XXXX/16 I received an unsolicited call from XXXX XXXX at Loandepot. He stated the reason for his call was to notify me that my second mortgage was out of compliance with Loandepot and that the loan should of not been issued in the first place. As an early XXXX present Loandepot was going to absorb ( pay-off ) the second to satisfy investors and compliance ; in turn I would have to re-finance my first mortgage, which I was ok with. In addition, they were going to take the balance of the personal loan I also have with LoanDepot and roll that into the first, so that I would just have XXXX payment. He stated that Loandepot was going to take care of all the administrative costs. Their words, " This is labeled as a 'high priority loan ' and we need to make it right, our leadership team thanks you. '' Today, XXXX/XXXX/16 I was contacted by the same loan officer XXXX XXXX. He now indicated that Loandepot is not going to pay-off the second and the first and second can be combined. The stories are conflicting! 

The problem : As a consumer, I feel like I am being manipulated. I do n't know what is fact or fiction. They are a large company with all the leadership, facts, documents, etc to make informed decisions. If you are going to call a customer un-solicted and make them an offer, then that is what they need to do. " Stand behind their word. '' Note : As indicated from the conversations ; all calls are monitored and recorded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation