milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX '' XXXX XXXX " late paymentXX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX '' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX " XXXX, Equifax and XXXX have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: I live in XXXX. I bought a XXXX XXXX van in XXXX online and had it shipped to XXXX. That was in XXXX 2016. Despite many hours on the phone and in person I have been unable to register my truck in Texas. Therefore I am paying for a truck I can not drive. It is financed thru Ally Financial. I need a copy of the original title to register in XXXX. I have made numerous requests. XXXX tax accessor has made numerous requests. The last time XXXX XXXX. Ally customer service has been rude. They never show that I have been calling. They refuse to send me a copy of the tittle which is now what XXXX is recommending. Ally claims no one has requested title. They did eventually send an " electronic title '' to XXXX on XXXX XXXX but this electronic title is not recognized by the state of XXXX. I have explained that many times. I do not know what to do. XXXX says they can not do anything else. Their phone calls have not been returned. It 's such a simple solution. Just send me, and or, the XXXX tax accessor 's office in XXXX a copy of the original title. Even the title company that Ally contracts with told me that they have the paper title from XXXX but Ally would not allow them to send it to me. In XXXX I have always had a copy of the paper title. It would show ally as the lein holder so I ca n't use it for anything other than to show ownership. 
Please help

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 02-06-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt was sold to 3rd party without notifying me. This violates my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: on XX/XX/XXXX I contacted Equifax Credit bureau after having being notified through XXXX XXXX credit monitoring app I use, that information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did n't authorize. I was told to contact the creditors and I was informed by them to contact The credit bureau since it was a fraud matter & have them investigate it, so I contacted Equifax again and was told they would need a police report to investigate it, so on Friday XX/XX/XXXX I filed the report and faxed it into Equifax in hopes that this would get this matter finally resolved, I then called them on Tuesday XX/XX/XXXX to insure they received it and I was told they receive the report and would be investigating the inquiries, so I did n't feel the need to mail it in, given all the back and forth, I was feeling a little leery, so I called back Thursday XX/XX/XXXX  and was told they did n't receive the report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: Ocwen Loan servicing allowed a mortgage to obtained in XX/XX/XXXX by a forgery, I advised them of this when I found out about it, Ocwen has released me from the loan and responsibility of the mortgage. However they only removed derogatory remarks on my credit from XX/XX/XXXX forward, since this loan was a forgery and I was not aware of it, I would like all derogatory marks on my credit report removed from the start of this forged loan as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Peoples Finance XXXX SC has repeatedly called my home phone XXXX. My husband passed XX/XX/2016. XXXX. The collectors called me everyday sometimes XXXX times a day. I had to remove the phone from the room. The phone needed to be charged but I could not get it charged because of their calls starting at XXXX til XXXX. These people were named XXXX, XXXX and XXXX. They did follow me around town and stalked me in stores when my family was out and about. I knew it was them because the SC license plates. They called until my husband passed and had no sympathy when they called and I told them he passed. XXXX XXXX is working on some credit issues I have and I have already inform them as well. I wish they were more sympathetic because I owe them XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I reached out to this company on several occasions with reference to the said account advising that this is NOT my account and if it is indeed my account the please validate and send me supporting information. This was not done. It shows on my credit reports and is adversely affecting me. While the account was updated as being PAID it was not removed. I told this Collections Company that this is not my account and I never received a call, mail or any notification that this was an attempt to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Dynamic Recovery Solutions stating that owed {$3000.00} to XXXX XXXX XXXX XXXX XXXX and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or XXXX XXXX Services. I wrote a letter to Dynamic Recovery Solutions disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 called Experian consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Experian but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the Experian representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. Experian continues to report this account 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 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile

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 04/21/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: I bough consumer goods at Best Buy in XX/XX/XXXX upon the " promotional offer '' of 24 months no interest. I have made payments every month on-time since having the card through an automated payment system. I signed up for " paperless billing '' at some point owing to the benefit to the environment. I did n't realize that I was n't receiving notification of my payments or my bill in my inbox despite Best Buy claiming to have records of sending them. Today I called in to my account to reset my password and asked why my account balance had increased so dramatically. The agent on the phone explained that when the " promotional period '' expired in XX/XX/XXXX I was charged all the interest from the amount of the original purchase from the 24 months, which was a total amount of {$1100.00} and the rate of interest on my balance was lifted to 25.24 %. My current outstanding balance stood at {$580.00} so I could not believe that this was possible. I explained my situation for which they apologized agreeing that not everyone gets the " paperless bills '' and made me the offer to reduce the amount of the interest being charged by 50 % if I paid off the principle amount of {$580.00} in this day and this day alone. If in fact I did not pay today, the representative could make " no guarantee '' that the offer would be extended again. I countered him offer by agreeing to pay the outstanding amount of {$580.00} + the APR against the amount due since the period expired at the excessive rate of 25.24 % for a total of {$640.00}. He said he could not accept this offer. 
In summary I have made payments against this account on time every month and maintain that I received no notification of the penalty associated with not paying the balance of my account in full before the " promotional period '' expired. I am requesting that they drop the interest from the promotional period entirely, in exchange for payment in full of the principle balance. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, XX/XX/2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Credit card) with LTD Financial Services, LP (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted by XXXX XXXX from LTD Financial Services regarding a debt with XXXX XXXX Credit Card in the amount of {$440.00} and that they had contacted me in XXXX. When I requested the name of the young woman calling she informed me that she was not my representative but gave me her name which I immediately asked her to spell for me. As I asked her to repeat each detail, she was not happy. When I had all the information she had given me, I repeated that she said they had contacted me in XXXX and she hung up on me. I remember the call from XXXX and I refused to give her any bank or debit card information. I agreed that I could make a payment of {$10.00} - {$20.00} a month as I had become ill and had medical/medication payments which were my priority. She refused to accept payments of this amount and in the form of a check from my bank each month and told me they would contact me again after the first of the year to see if my situation had changed. It has not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been recieving numerous calls from a company claiming that I owe a debt. When I attempted to find out what I owed for, they refused to tell me and attempted to get my personal information which I refused to give 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 11/26/2016 about Debt collection (Medical) with North American Credit Services (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i did not owe or have any contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I signed up for direct debit, have e-mails saying it was set up for XXXX to be paid ( the due date ). Come XXXX it had not been withdrawn from my account. Worried I called My Fed Loan and they said sometimes it takes a couple of days to withdraw the amount, so I waited two more days, contacted them and they said it WAS PAID, but nothing came out of my account! I figured maybe it was in the process of transferring or something? Eight days later and they 're sending me notices for not paying. 
That is absolutely ridiculous ; there is no reason in this day and age when student loan users are grossly abused that the provider ca n't have a decent system set up SO I CAN PAY THEM THE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Payday loan) with CASHCALL, INC. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Caller has been calling me at work saying he is working for some company but is working for cash call sayinguf I dont pay them they will send me a court summons and the guysaid that cash call will only work thru him and wo n't work with a credit management which us wrong cause I am working with a credit management and they are working with cash call who I do havdakoan thru I just want him to quit calking my worj

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 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aldous & Associates, PLLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a debit collection notice from Aldous & Associates, XXXX XXXX, XXXX, UT, XXXX, for a balance of {$190.00} ( account # XXXX ) on behalf of XXXX XXXX XXXX, a fitness gym, located in XXXX XXXX XXXX, Florida. The debt collection letter claims I defaulted on an installment contract with the Company. I was formerly a client of XXXX XXXX XXXX with no installment contract who paid on a month-to-month basis. I discontinued visiting XXXX XXXX XXXX several months ago, so I was surprised to receive a debt collection letter for a debt that I do not owe. I contacted Aldous & Associates by telephone on or about XXXX XXXX, 2016, and attempted to explain that I was pay-as-you-go customer of XXXX XXXX XXXX that did not have a contract, but the representative became hostile and verbally abusive and kept yelling and screaming that I owed them money with or without a contract with the fitness center. I informed the representative that I did not owe the debt and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company sent me a collection lette r   XXXX   XXXX   XXXX   a nd when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match.  <P/> When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Bank account or service ((CD) Certificate of deposit) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: how opened XXXX CD 's at the same time. Every year we just let them keep renewing because they were emergency funds. After about 5 years we got a notice from Pa treasury that we may have unclaimed funds. XXXX of the CD 's was turned over to them for lack of activity. Makes no sencse since the other XXXX was not. Now it will take us 3 months or more to get the money with no interest. The bank never notified us but the other CD 's was automatically renewed. When I questioned the bank manager he said that the bank messed up and could not explain what happened. my loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/22/2016 about Debt collection (Medical) with ARC Management Group, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Based on review of my XXXX Credit Report noted there was an outstanding item of {$57.00}. XXXX Customer Service advised the debt was medical expense and being reported by ARC Management Company. 
Requested to dispute the {$57.00} since no information was provided to verify the debit. 
The {$57.00} is not reported on the other credit reporting bureaus

Company response to consumer: Closed
Consumer complaint received 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The XXXX, TX address they keep showing on my personal information is not my address and Has never been. That address belongs to XXXX XXXX XXXX which is my daughter. 
Please have it removed.

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 11-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Recently, I received notice from the state of NJ that my homestead rebate was sent directly to my mortgage service provider, Wells Fargo. I called Wells Fargo several times and they finally told me that I had to provide proof that the state of NJ sent them the money. It was never applied to my taxes ( as my taxes are included in the mortgage payment ). Please help I do n't know how I can prove they received the homestead rebate in the amount of {$260.00}.

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