milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX, on advice from free legal aid in town, I wrote a letter to all XXXX credit reporting companies asking them to research things I did not understand or agree with. Experian is the only one that never answered me. I was advised to file a complaint and you can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Credit reporting () with Creditors Bureau Associates (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A negative report was placed in my credit file in the amount of {$1000.00} without even sending out a letter or phone call to notify me. I got my annual credit report to find that Credit Bureau Associates # XXXX in XXXX, Ga placed a negative notation on my credit. This was not my debt. The Credit bureau looked my information up posted it and did not even notify me by letter or phone before negative report was placed in my credit file. If they had sent out a letter beforehand i could have told them that I have never needed services that required XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am no longer responsible for any collecting account and I have completed all terms of my bankruptcy. I should have no negative factors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with Medical Business Bureau (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a procedure done at XXXX XXXX XXXX ( XXXX ), back in XX/XX/XXXX/XX/XX/XXXX. At the time I did n't have insurance and I applied for and received financial assistance for my bill. The XXXX financial counselor at the time, XXXX XXXX, stated that the financial assistance would also take care of 'ANY PROVIDER from XXXX XXXX & they would HONOR the financial assistance from XXXX XXXX By the time I received financial assistance from XXXX XXXX ; XXXX XXXX XXXX had already sent my bill of {$340.00} to XXXX XXXX XXXX XXXX. I initially explained to a very rude and aggressive XXXX representative, that I was not working had no income and was waiting for XXXX to make their decision regarding financial assistance. Once I received the letter, I FAXED the aggressive and rude, XXXX representative a copy of XXXX financial assistant letter ; ON MORE THAN ONE OCCASION. XXXX continues to refuse to honor the letter and wants me to pay them directly ; which I 'm refusing to. I continue to dispute this with them & just recently again disputed this item with XXXX. XXXX is refusing to honor the agreement the original debtor has regarding XXXX patients receiving financial assistance ; which is fraudulent. They also ignored the award letter I faxed over to them showing them the issue was resolved. 

At this point I can only attach a copy of the email I sent to XXXX XXXX asking for another copy of the award letter back in XX/XX/XXXX ; I have emailed XXXX XXXX requesting another copy of the letter. 
This incident has been ongoing since XX/XX/XXXX with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent several letters starting  XXXX   XXXX ,  2017  asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine.     I received a letter back were company called my request frivolous and refused to cooperate.

Company response to consumer: Untimely response
Consumer complaint received 06/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with DISCOVER BANK (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for refinance with XXXX XXXX XXXX, rep was XXXX XXXX NMLS # XXXX ( XXXX, CA ) in XXXX 2015. Simple transaction. Company took two ( 2 ) months to process, did n't respond to questions, kept getting bounced around to several people during underwriting without any explanation, kept asking for repeated documentation proving income, which I provided. Documentation exceeded any reasonableness, something was n't right with their procedures and processes. 

I kept having to threaten to cancel the application and go elsewhere, then Discover rep would call and last minute and say everything was ok and not to worry, while time was wasting away when I could have gone elsewhere. XX/XX/XXXX rep XXXX told me all documents were ok and I was approved and to set closing date and asked to be put in touch with my closing agency. Then the rep and company people involved went missing again, no response to emails, meanwhile my intent to close in XXXX was at risk with fixed rate. I sent dozens of emails over course of three weeks. 

Company then mass emailed me and other consumers saying the Company had " ceased '' lending operations ( went out of business ) but would process my loan as I was already in the system. But, then rep then called that same day and said my application would n't be processed. Insanity. This is the most inept company I 've ever dealt with in my experience in mortgage lending, absolutely disgraceful experience. Total mismanagement. I would avoid having any business with " Discover '' if in the company name. The company and reps should be reprimanded for their poor and sloppy performances in providing service. Company still owes me refund for {$400.00} for appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( Transunion XXXX XXXX and XXXX XXXX. 

On XXXX XXXX, XXXX I called Transunion to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called Transunion back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. Transunion said that this could be due to human error. Transunion stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

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 01/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was divorced XX/XX/XXXX. XX/XX/XXXX at the time of separation from my ex, I did not have a job and missed XXXX mortgage payments. My ex later filed bankruptcy. XXXX, the original servicer, sent me all sorts of paperwork for resolution ... none of them were an appropriate option as either I could not qualify, or it would increase my payment. Once I started working, I set up auto payments through my bank. Never missing a payment, or being late since then. XXXX, after telling them my story continued to harass me in the form of false credit bureau reporting that I was consistently 3 months behind and charging late fees for several months which they did not remove, and additional monthly fees for inspection reports, etc. I wrote to them without resolve. They did NOT even respond to me!! 
Beginning XX/XX/XXXX, my loan was sold to a new lender and was also assigned a new servicer, Rushmore Loan Management. Now, I recently received an intent to foreclose notice and I have NOT even missed a payment with them. This has ruined my credit score and caused me much XXXX. The mortgage company has sent people out to my property taking pictures which I find not only inappropriate, but harrassing. They have NO reason to be doing this. My payments are timely and even though I do not have escrows, my Insurance and Taxes are ALWAYS paid on time. 
Please help me get this problem corrected. I would like all the late fees and inspection fees that I did not authorize removed from my account. Also, my loan is being reported now as over 90 days past due, which is NOT the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 I sent a two dispute letters to Transunion for XXXX XXXX ( Account # s XXXX & Account # XXXX ). I received a response for Account # XXXX on X/XX/2017. I did not receive a response for Account # XXXX and the disputed item has not been addressed or responded to at all. I sent XXXX additional dispute letters on XXXX XXXX, 2017 for XXXX XXXX ( Account # XXXX & Account # XXXX ) this time by registered mail that were received on XXXX XXXX & XXXX, 2017 see USPS Tracking receipt attached. In the letter for Account # XXXX I noted that my dispute had not been address and requested that the item to be deleted for inaccurate reporting. On XX/XX/2017 Transunion responded that Account # XXXX had been updated. However, again I did not receive a response from Transunion regarding Account # XXXX, nor have any corrections or updates been made on my report. Its now been over 38 days since the receipt by Transunion of my 2nd dispute letter request for XXXX XXXX Account # XXXX ( sent by registered mail ). Ive yet to receive a response from Transunion or have any corrections or updates been made to my XXXX XXXX Account # XXXX. Based on the rules of the Fair Credit Reporting Act, Im requesting that XXXX XXXX Account # XXXX be DELETED.

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 08/31/2016 about Payday loan () with Mobiloans, LLC (FL).
Issue: Received a loan I didn't apply for

Complaint: The choices above do n't cover my issue. I have been receiving harassing calls from individuals saying they are with " mobile loans. '' They have even searched for family members and called them. They stated that I received a payday loan XXXX 2013 and have a balance left ( approximately {$1600.00} if I remember correctly ). Supposedly it was deposited to a XXXX XXXX XXXX account, which I do not have nor did I have in 2013. I have already gone down the road with them on dealing with this as a fraudulent account opening/id theft and all they do now is get hostile and hang up the phone on me. I 'm tired of this company thinking they can call people up like they work for a federal agency and harass XXXX them. They are not going to bully me into paying something I am not responsible for.

Company response to consumer: Untimely response
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2017 I received a credit alert from XXXX and it informed me that a collections from XXXX XXXX  was added to my credit report in the amount of {$360.00}. I called the collection agency who never identified themselves as a collection agency and spoke with a customer service representative. They stated that I had a balance owed from XXXX and they were hired to collect the balance. The informed me that they had the account since XX/XX/2017, but they never sent any notification or request for payment. I informed them that I did not owe a balance to XXXX and asked them to remove this collection from my credit report. The customer service rep stated that Convergent did not own the account but they would dispute it. This called was made on XX/XX/2017 at approximately XXXX on a recorded line with a rep named XXXX XXXX . At XXXX XXXX, I contacted XXXX and inquired about the balance. I spoke with XXXX at the call center who researched my account and saw that I had no balance.. She stated that XXXX does not work with XXXX XXXX and was concerned about how they obtain my account information. XXXX agreed to provide me a letter within twenty-four hours via email to provide proof that I do not owe this debt and that they have no relationship with Covergent.
I was informed that this may be a scam of some sort and XXXX is investigating this issue.

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 10-05-2015 about Mortgage (FHA mortgage) with Trinity Financial Services, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: We received a phone call from XXXX from someone named XXXX XXXX working for XXXX Investigations. She said she was verifying I was at this phone number because there is a lawyer about to file in court about XXXX payday loans from 8+ years ago. She had my old address and drivers license number and the details of the debt. She said to contact a lawyer named XXXX XXXX in XXXX XXXX, VA at XXXX to discuss. She said there would be a warrant within 24-48 hours. The lawyer 's number had been disconnected. When I called the XXXX number, the voicemail said the phone belonged to XXXX XXXX. I googled this name and found many scams associated with it. I believe this is a scam, and it is worrisome that these people have my information. I 'm not sure if this is the right place to report this. I 'm not sure if the PayDay loan company shared his info with these people.

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 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlantic Credit & Finance, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting 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 09/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: In 2009 my lender admits to making a mistake using an incorrect HUD-1 addendum which caused a delayed endorsement and therefore caused a negative impact on my refinance streamline options to obtain a lower interest rate with a grandfathered MIP rate. 
Although, they admit to making a mistake, they are not reconciling their error with me. 
Refer to attached documentation. I only learned about this mistake because over several years I continued to do research as to why certain refinance options were not available to me and they should have been. If this mistake happened to my loan servicing and it has not been reconciled with me, how many others are unknowingly suffering because of a similar mistake by their servicing lender?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: SELECT PORTFOLIO RECOVERY SERVICING claim they want to foreclose on my property. 
To date they have yet to show that they are the originator on my mortgage. 
The original refinance was with XXXX XXXX XXXX who closed my account and the insurance paid for the loan. To my knowledge XXXX XXXX XXXX sold the mortgage as stock. 
XXXX XXXX XXXX also sold the collection to SELECT PORTFOLIO RECOVERY SERVICING -How can they sell my property as stock and mortgage at the same time??? 
-If it 's sold as XXXX and SELECT PORTFOLIO RECOVERY SERVICING claim to hold the mortgage on my property?? 
-SELECT PORTFOLIO RECOVERY SERVICING also has not answer my letters proving they hold right to force me to pay a mortgage. 
-In addition, SELECT PORTFOLIO RECOVERY SERVICING made back payment to themselves from my escrow account. I would like to know if it 's legal for them to use my escrow account to back pay themselves for collection payment on my mortgage. This happen while I was was renegotiating my loan with XXXX XXXX XXXX. From 2009 to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Deposits and withdrawals

Complaint: At approximately XXXX, I received XXXX email from USAA Bank informing me that had changed the password and pin number for my checking account. Per USAA employee XXXX this was done because someone called in claiming to be me and told them he was on a trip to XXXX via XXXX and needed to obtain some extra cash, however, when he tried to use his debit/credit card at an ATM there were problems. The times on the XXXX emails I received from USAA were XXXX and XXXX, XX/XX/2016. After the bank made the requested changes this individual made XXXX withdrawals of over {$700.00} between XXXX and XXXX. 

The process when you call USAA ( process they put me through ) they ask for my account number or my social security number. Then they ask for the last XXXX digits of my social security number along with my password ( my wife does n't even know my password ). Sometimes they ask for my pin number. Then when I get to an agent in the department I want we go through this process again. How did this individual have all of my personal information? 

XXXX, the USAA person I initially dealt with at XXXX told me the individual had taken out {$450.00} x XXXX. By the time she passed me off to XXXX, she had raised the amount of the withdrawals to {$710.00} x XXXX. It was only when I check my online account register that I learned the actual amount taken from my account was {$720.00} x XXXX. The online account register does not show the location of the ATM used to withdraw the money. After USAA returned my money to my account. I followed the advise of my attorney and set up a new account here in XXXX XXXX, Arkansas and began via ATM withdrawals transferring my money to my new account. AT NO TIME did USAA allow me to make more than one {$600.00} ATM withdrawal a day. 

From the documents I have there are significant questions as how this could happen with such a supposed high quality organization as USAA Bank. This gives me the impression this was an inside job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation