milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report that I did not authorize. I have always wondered how someone could get access to my credit report and now I know. Equifax has confirmed that I was XXXX of the people affected by the XXXX and now someone out there has my credit information. I would like for them to delete these unauthorized inquiries ASAP. 

XXXX Inquiries XXXX : XXXX XXXX Inquiry : XX/XX/XXXX -  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Inquiry : XX/XX/XXXX + XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXInquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Loans XXXX. 
XXXX Inquiry : XX/XX/XXXX + Complete Dept. XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Unions XXXX Inquiry :XX/XX/XXXX + Complete Dept. Stores US XXXX Inquiry : XX/XX/XXXX + All Banks ASSOCIATED CREDIT XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions XXXX Inquiry : XX/XX/XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax credit bureau has reinserted an account that was previously deleted off of my credit report. I have disputed this account with XXXX XXXX XXXX in the past and it was removed/deleted from my credit report. I have disputed this account because they have not sent my documents to show that this account belongs to me. I have attached copies of my credit report showing that it was deleted showing a XXXX balance but then in XX/XX/XXXX Equifax allowed XXXX XXXX to report this account on my credit report again. I have disputed this account twice with Equifax and they have sent me a response that this account is proven to be mine. Equifax nor XXXX XXXX XXXX have sent me any information as requested to show this account belongs to me. I have not got any notices in regards to this account. I have obtained an attorney to dispute/investigate this account and by law the account should not be reporting a balance or negatively against me while in investigation. Please have Equifax remove this account from my credit report and correct the errors that have been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am being told after getting to the end of the refinance process I will have to have my divorce decree amended before I can refinance. My divorce decree states I have 24 months to pay my exhusband the half owed equity in the home . Nationstar is telling me I have to pay him through the refinance. This is illegal. Nationstar is demanding I pay out my husband through the refinance although legally I  do not have to . Nationstar requested I take out a higher loan amount and increase in fees in order to complete their fictitious process. It is a way for Nationstar to continue to hinder home owners by making them take on more debt. Stay away from this company! I should h ave listened to the other comments before choosing this company and wasting over a month of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: In XXXX XXXX I called XXXX XXXX to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit  union cancelled my card that XXXX pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be XXXX recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to XXXX/Experian, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to Experian who referred me back to XXXX. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, XXXX did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.

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 03-01-2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a voicemail yesterday from phone number XXXX XXXX, it was a very snotty rude woman saying she needed me to call her back " immediately ''. Yesterday was the first time this number has ever contacted me. Last night the same woman called my XXXX year old dad, and left him a horrible voicemail that I am " avoiding her '' and that this will be sent to their attorney 's. Needless to say it made my dad very upset. The number they leave for a call back is XXXX XXXX. In googling this number people have reported many issues of people harrassing them from this company, and being scammed out of money for debt repayment on debt they don't even owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Auto debt) with FORD MOTOR CREDIT CO. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls are everyday -today ( Thursday ) at XXXX, yesterday Wednesday at XXXX, Tuesday XXXX -- it just never stops. I told them ( XXXX XXXX XXXXy ) to stop calling me. My case is in litigation because I purchased a lemon. I let them know the {$200.00} would most likely be solved then. They just never stop. The company sent me a payment for my " Troubles '' they sent it XXXX late.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company will not provide proof of debt. Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit on that date. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond. 

They responded to my first complaint saying they had no clue who i am and at the same time responding to a BBB complaint that they know who i am and they just have n't received the letters. A lot of deceptive practices from this company. 

( We have located an account in our system that matches by her name and phone number on her complaint. From the BBB ) I  have sent letter to these addresses listed on your website and my credit report Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Operations Center XXXX XXXX XXXX XXXX XXXX, TN XXXX I am even going to provide the account number listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Consumer Loan (Installment loan) with RFNA, LP (LA).
Issue: Managing the loan or lease

Complaint: Republic Finance LLC ( Loan No. XXXX ) says that I owe them more money when I have paid them in full. 

My XXXX/XXXX/16 receipt has a new balance of {$110.00} after making a regular payment of {$160.00} on that date. On XXXX/XXXX/16, I paid {$110.00} and that receipt shows a new balance of $ XXXX. Now, Republic says that i owe about {$280.00}.

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
Consumer complaint received 05/28/2016 about Credit card () with CITIBANK, N.A. (KY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My separated husband has opened credit cards in my name without my knowledge. I found out by reviewing my credit report. Several i am an authorized user and at least XXXX i am a joint user which means i am also responsible for the debt for which he created an is now in charge off. It is over {$14000.00}. I am trying to keep from filing bankruptcy so my credit will stay good. He is in the process of filing bankruptcy. I never had a credit card. He never told me that he did this.

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 05/25/2017 about Debt collection (I do not know) with Revenue Assurance Professionals LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A bill was sent to collection. I was never notified of the bill or collection. They will not remove collection from credit report if paid. My wife and I filled for a mortgage loan with XXXX XXXX XX/XX/XXXX. We followed the credit analysts advice and paid XXXX credit card down. When my credit report came back from re-score there appeared a collection for {$62.00} and change. The collection was from an unpaid final electric bill from my apartment before I moved in with my now wife from XX/XX/XXXX. I never received a final bill nor notification of the debt from the electric company nor the collection agency. Not a phone call nor an email. No form of communication. I offered to pay the debt with out issue if they would send a deletion request to the credit bureaus. Not only was I told this was a violation of the fair credit reporting act I was lectured as if I was some unintelligent criminal and yelled at in very high volume twice by one of their supervisors by simply asking for the deletion. I was informed by my credit analyst that by them telling me that a deletion was against the fair credit reporting act was in fact a violation. I even called all XXXX credit bureaus. A deletion is totally legal and ethical. The collection agency has simply refused to delete the collection for absolutely no reason. I even informed XXXX supervisors including the XXXX that lectured and yelled and insulted me that this collection that I was never notified of in anyway shape or form was the only thing keeping me and my wife from our home. Their refusal to process my request which after my due diligence is totally legal and ethical and in fact happens every day has kept my wife and I from being able to purchase our home. The collection being removed would jump my score upwards of XXXX point well above where we would need to be. I again was never notified in anyway that there was a debt owed nor a collection and I was informed they had the collection since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Other mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is reporting on my Equifax account, it simply says medical no company or account name attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Creditors are showing things that I have not authorized

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Struggling to pay mortgage

Complaint: I have been working on mitigation options wi th SPS sin ce   XXXX   XXXX   XXXX  . I have supplied all documents requested in a timely manner, however SPS is constantly asking for additional information, asking to re-send information. Then on    XXXX   XXXX   XXXX    they inform me that the review will be continue because the file was not received 37 days prior to the foreclosure which is currently set for  XXXX   XXXX ,  XXXX . The documents they requested were sent to them on  XXXX   XXXX ,  XXXX  and they failed to inform me that there was a deadline for those documents to be sent in. Additionally, I am not confident tha t SPS has  the legal rights to foreclose as they may have received the loan transfer after default nor can I find a recorded assignment of the deed of trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (I do not know) with Law Office of Michael J. Scott, PC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: collector calling my job when advised not to. was told again XXXX/XXXX/16 not to call called again on XXXX/XXXX/16. I also left them my cell number to call me back, I have no clue what this is about. They will not call my cell just calling my work and will not identify what this is all about

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Loan payment wasn't credited to your account

Complaint: On XX/XX/XXXX I signed up with big picture loan for a pay day loan for the amount of {$600.00}. I have been making payments of {$140.00} twice a month since XX/XX/XXXX until now. I made around 17-18 payments ; totalling over {$2500.00} ; as of today my balance remain at {$550.00}, only {$46.00} went towards my balance. And that's where my problem are with big picture loan, {$2500.00} all in fees?.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Negative reports such as Pre-forclosure still in XXXX and multiple late payment reports on my mortgage account considering they are receiving my monthly mortgage payment automatically sent by XXXX XXXX  through our checking account. I was never contacted so it was a complete shock to me and my family that we will homeless unnecessarily! 
I settled the issue with Wells Fargo in order not to lose the house and in good standing but because of these negative reports I can not get a mortgage loan after we already put out house on the market. I was told I could never get a new mortgage loan right now due to this.

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 04/14/2016 about Debt collection (Auto) with CAINE & WEINER COMPANY, INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a XXXX policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX, insurance with XXXX should have been canceled prior, I switched to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with XXXX. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call XXXX to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from XXXX. two years later XXXX took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
XXXX have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
XXXX has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hi, I first got my student loans through XXXX XXXX and later consolidated. My compliant regarding these loans is the fact that i have been making payments on my loans since XXXX and within the last several years almost nothing has been applied to the principle. I have a fixed interest rate and i do have a lower monthly payment. I recently, XXXX/XXXX/XXXX, spoke to a representative from Navient and she basically told me that if i continue to make my current monthly payment which i have now been doing for 7 years that for the rest of my life i will be continuing to make payments and my principle will never decrease. My balance when i originally started was {$26000.00} and my current balance is {$28000.00}. My current monthly payment is only {$50.00} less than my original payment. Why is it that when i paid {$50.00} more i was having anywhere for {$68.00} to {$90.00} being applied to my principle but now almost nothing is being applied. For the last 3 years out of all the payments i have made only {$280.00} has been applied to my principle. I just do n't understand why my payment can not be split to have at least a percentage get applied to my principle. I have had several loans throughout my life including a graduate student loan. However, this is the only loan i have been consistently making timely payments on and not have my principle decrease but to increase. What makes this even disappointing for me is that i called and talked to Navient and told them i specifically needed a repayment plan where i can make payments, because i want to pay my bills, and have my payment be applied to both principle and interest and i was guaranteed that my repayment option would do that. I 'm just getting really frustrated and honestly afraid because if do n't continue to pay Navient then my really really good credit score is going to become terrible which will hurt any and all of my opportunities of getting any type of future loan. I could also have my wages garnished which i seriously can not afford. If i continue to pay them there is no guarantee that my payment will be applied to my principle.

Company response to consumer: Closed with explanation