milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A collection item fro m Wakefield Associates appe ars on my credit reports. The item, in the amount of  XXXX , is from  XXXX   XXXX . The item was opened in  XXXX ,    2011 ; six  years ago, when insurance should have been filed.    Wakefield Associates di d not contact me about this matter so that I could dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: I recently had a loan modification done with Ocwen and I mailed Ocwen money orders on two occasions one in XX/XX/XXXX and again in XX/XX/XXXX in the amount of {$3800.00} as of today they refuse to post the payments to my account. When I spoke to Ocwen on XXXX XXXX 2018 the relationship manager told me that the might not be able to accept my XX/XX/XXXX payment because she is not sure if they are going to accept the {$3800.00} I have to wait on the loan modification team. Ocwen is very unprofessional in dealing with home owners mortgage and most of the time the reps all give you different answers to questions ask and also concerning your loan with them. This is very stressful for me not knowing what is going to happen with my home,

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was recently contacted by American Express and told that I needed to pay a debt immediately, even though I am in credit counseling and I am depositing funds into an escrow account to be deposit for a debt settlement. I was threatened with a lawsuit, even though they acknowledged that I am taking steps to settle my debt with them out of court. I was not contacted by an attorney. I am paying money to settle my debt with American Express right now and I want to be left alone by them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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 am a victim of the inquiry issues that happened with trans union

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 11/18/2015 about Bank account or service (Other bank product/service) with NORTHLAND GROUP INC (AK).
Issue: Making/receiving payments, sending money

Complaint: I have called a few weeks ago about a phone call I received from a collection agency that was claiming I owed money. However, I did not recognize the debt mentioned, neither they have all my personal information. Now, I received a letter from Northland Group Inc, claiming XXXX from XXXX account. Reference # XXXX. They included a claim of XXXX XXXX, XXXX account, which I do not recognize either. I am not sure what this letter is about, but I do not ( and have not ) hold an account with this XXXX group ever before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: During the housing collapse where consumers were getting encouraged to take out illegal loans, I purchased a home with a countrywide mortgage. It was a first and second mortgage. 

Bank of america strategically sold my first when it was announced that they would have to modify the existing loans. That left me unable to combine a 1st and a 2nd mortgage. My second mortgage was XXXX at 8.825 %. I have been paying for 10 years and the principal is now {$38000.00} while never missing a payment. bank of America has received {$33000.00} in interest. I need help getting a new interest rate or modify this loan

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 12/28/2015 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (AZ).
Issue: Application, originator, mortgage broker

Complaint: My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went to try to get a car loan and when they came back to tell me there is a credit company that said it is still going on since 2010. This is the bankruptcy courts which i never went through with the bankruptcy. This should say dismissed since i did not go through with it. I called the attorney XXXX XXXX in XXXX and nothing was done. I paid them and never got my money back cause i was going to go through with it but when he told me it would cost more we did not go though with the bankruptcy. I called the Federal building in XXXX XXXX, Pa and they told me they can not do anything yet i was on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  's client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX  A dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  Trans Union. A formal dispute was sent electronically to Trans Union   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   Trans Union  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  an d Trans Union.

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 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery Company put a negative item in collections on my report. The company never sent me anything prior to doing so. ERC stated the dept is to XXXX XXXX XXXX but I 've never had services with XXXX XXXX XXXX. After two days of calling XXXX XXXX XXXX and getting nowhere or any verified info of and acct with them, I called ERC and they stated it 's from an old XXXX account that was turned over to XXXX XXXX XXXX after they brought XXXX out. I settled the account with XXXX in XX/XX/XXXX or XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a complaint with Trans Union XXXXIt is for XXXX Account # XXXX. I received a letter stating if payed by a certain date XXXX/XXXX/15 the settlement amount it would be cleared. The amount to settle account was {$120.00}. It was payed directly to them by phone and taken from our account XXXX/XXXX/15. It was then put on to my Credit account with Trans Union then after being payed, that saying I owed {$420.00}. This severely lowered my credit score. It was n't even on there before. I have a copy of letter sent by company to me and proof it was payed. I have never heard back from Trans Union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (IL).
Issue: Trouble during payment process

Complaint: Hello, This issue is in regards to a mortgage being survived by PNC. The details are : 30 year term with a fixed interest rate ; payments are principal and interest only. The mortgage began through XXXX XXXX XXXX in XX/XX/XXXX, that bank was purchased by XXXX XXXX. XXXX then sold the servicing to PNC in XX/XX/XXXX. Upon the purchase, PNC erroneously placed an escrow on the account for the annual home insurance. The fee was {$330.00} annually. So the monthly payment went from XXXX to XXXX. I contacted the bank in XX/XX/XXXX to notify them if the issue. PNC told me the issue was resolved in XX/XX/XXXX. However, in XX/XX/XXXX I received notice that my payment was late, as they were holding my principal and interest payments until they recover the amount including escrow. I called PNC in XX/XX/XXXX and notified them if the issue. PNC said it was resolved. In XX/XX/XXXX I called again as I was notified of late payment again. However this time PNC reported a late payment to the credit bureau. This was in error as they were holding my payment waiting for the escrow amount that : was incorrectly placed and never removed. I called in XX/XX/XXXX and PNC stated the issue will be r viewed internally to verify the loan document state principal and interest only. This was never done and they continue to report me as late. In XX/XX/XXXX I called again. I was given the balance of the escrow and made a payment to clear the balance. I also was told I needed to fax a letter saying the escrow was placed in error and must be removed. I faxed a letter on XX/XX/XXXX. My request was denied as " I had late payments in past. '' My payments were made on time. PNC was holding my payment because they were awaiting the escrow payment. I have tried for a year to resolve this issue to zero success. I hope the CFPB can help mediate this so PNC does not illegally report credit issues and hold payments because they have incorrectly identified a mortgage as escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to fix my credit reports. In Wisconsin, after 6 years adverse items should be deleted. I settled with XXXX in 2013 and it 's still on there, etc.etc. Experian has NOT followed up in proper manner. While the too big to Fail banks XXXX, XXXX, XXXX have sold to debt buyers, and paid the feds XXXX in fines, these credit bureau 's have not deleted adverse accounts, and, followed individual state statutes. I originally asked, pleaded to take to consumer settlements and have not been responded to.

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 09/25/2015 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Late fee

Complaint: Was charged late fees when I shouldnt have been and was never corrected. Paypal credit refuses to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: VERY SIMPLE. 

My bankruptcy is now TEN years old and should be removed from my credit report. 
I realize that it is due to come off in XX/XX/XXXX I believe, but I asking, in a SHOW of HUMANITY that Trans Union remove it now, just a few months early. I have worked very hard to re-build my credit after losing my XXXX, and I see no logical reason for Trans Union to insist on leaving this on my report, when clearly, TEN YEARS HAVE PASSED. 

Public Record Details Reference Number XXXX Date Filed XX/XX/2007 Date XX/XX/2007 Status Discharged Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details TENNESSEE FEDERAL COURT- XXXX XXXX XXXX XXXX , TN XXXX XXXX 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 non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA AND SEVERAL CALLS AFTER DNT CALL AND CEASE AND DESIST ORDERS, HAVE VOICE AND ALL PHONE RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX  and TransUnion to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into Conns with the intent of stealing or not paying for the merchandise. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX Bank account # XXXX payment history is inaccurately reported. Certain early late payments are omitted in order to re-age the account and report to the credit bureau past the 7 year statute of limitation in the Fair Credit Reporting Act. 

XXXX XXXX reported to Experian that the account was opened XXXX XXXX with a {$500.00} credit limit. 
Between XXXX XXXX and XXXX of XXXX this account was reported as never late. 
On XXXX XXXX was XXXX time it was 30 days late. 
The highest principal balance that the account ever reached was {$380.00}. 
XXXX XXXX added LATE fees at {$39.00} and OVERLIMIT fees {$29.00} each month along with 30 % INTEREST. Amount owed rose to over $ 1,300.00Eventually XXXX XXXX filed suit in XXXX Court and agreed to settle the debt in full for {$850.00} ( see enclosed attorney receipt. 
This settlement was completed before the court hearing date. No judgment was entered. 
XXXX XXXX settled for {$850.00} because they could not provide a validation of the debt. 
DisputeXXXX XXXX refused to provide statements on the account from XXXX XXXX to present. 
On the statements I did find that the date of XXXX delinquency was XXXX XXXX, XXXX. 
XXXX XXXX charged late fees : ( see statements attached ) -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$39.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ 39.00But NONE of these dates were reported to Experian. 
XXXX XXXX reported never late. 
By deleting the early late payments, XXXX XXXX could continue to report to credit bureau past the 7 year statute of limitations from XXXX delinquency date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: In prior many occasions when I tried to pull my free annual credit report and also when I tried to pull a free credit Report due to ( in this case : denied credit ), Equifax denied me that right for convenience to get my free credit report online. I included attachements that prove the Equifax denial of my right of free credit report intentionally. The attachements are of my most recent requests of my free credit report from Equifax. I called Equifax many times ( I have proofs of those many calls if I decided to go to court and show that to the judge ) and urged them to stop blocking me from accessing my free credit report ( described above ) online but Equifax did not address that issue. I havent taken this case and other against Equifax to court yet until I hear from them through this consumer portal of their response/s and action/s to solve the problems they caused to my person intentionally because there is no justification provided as shown on the attachements, they wanted to make it harder against me to get my free credit report and instead use paid service to Equifax for that purpose that can be accessed online for free as described above why it is ligitimately had to be free. 
I think Equifax is engaging in an ethical business behaviors by denying a basic right to a consumer ( myself ) for a free credit report. I think that federal regulators should investigate this credit bureau further for this unethical sales tactics. Equifax by denying my right of my free credit report is targeting my person to obstruct my continuous monitoring of my information and by harming my financials that way, Equifax is encouraging other parties, that I did not consent to access my credit report, to use my credit information and destroy my financial reputation. 
I demand from Equifax to give me detailed information of their reason/s to deny me to access my personal credit report. I will not accept scripted or general statement from Equifax I am expecting detailed information related to me and I think I am clear on this with Equifax and they know I am asking ligitimate answers not an answer that can be used to just show off it was a response to my formal complaint against Equifax. 
Signed today XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 am exercising my rights as a consumer to properly verify this account, XXXX didnt provide me the method of verification they did about this XXXX XXXX account it probably was some form of number code sent over to the CRA and that was good enough well according to Section 609 of the FCRA a company has to prove and provide the proper documentation with a original signed contract with my signature. I reached out to XXXX XXXX  and this is what they sent me ; Ill attach documents. These documents anybody could have printed these up and put my information on here. One statement and a made up looking electronic application. Please provide me with an agreement contract and my signature states section 609 of the FCRA. This is my 3rd round with XXXX  addressing this as a complaint. I disputed this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation