milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian fails to report correctly the XXXX account. Experian reports incorrectly that this account is considered negative. EXPERIAN reports incorrectly late payments. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 11/27/2017 about Vehicle loan or lease (Loan) with Go Capital Holdings, LLC (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: This is an identity theft account that o have provided documentation for, however the creditor will not remove it fro my account. 

I have provided all information requested to validate my address as well as documentation proving identity theft, however the creditor will not remove from my reports. 

I have also asked the creditor Go Financial to validate however they have failed to do so and it 's been 60 days.

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 10/26/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX owner is cancelling credit card processing service with the XXXX. As a part of XXXX XXXX cancellation process it is charging {$290.00} cancellation fee because 3 year of service term which according to my card processing application does n't indicates. I believe is not a fair charge & seeking to reimburse it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Other mortgage) with BB&T CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I recently applied for a loan for {$400.00} on XXXX/XXXX/2017 and was approved and the money was deposited into my account on XXXX/XXXX/2017. I was not aware of the high interest rate APR:666.7 and the fact that I would be paying so much more money back for {$400.00}. ( 13 payments ). I have reached out to the this company but I did not receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Horizon Financial Management (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: HORIZON FINANCIAL MANAGEMENT Original Balance  XXXX  Balance  XXXX  Date Opened  XXXX / XXXX / XXXX  Date Reported  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As reported in Experian, XXXX reduced my credit limit on an account i believe that I do NOT hold. with little to no info being provided, it has been impossible for me to clarify this with Experian or XXXX. I believe this information has been posted in error. 

Company XXXX Address XXXX XXXX XXXX XXXX, SD XXXX Phone BYMAILONLY Date Occurred XX/XX/2017 Source EXPERIAN Previous Limit {$3000.00} New Limit {$2200.00}

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am writing this letter to voice my frustration and disappointed with the way Equifax ( and likely other ) financial and credit institutions protect our personal information. I was one of the tens of millions of individuals who were affected by the Equifax data breach. At the outset, three items are incomprehensible to me 1. Why is it not the case that ALL personal credit file is locked by default, and when an individual wishes to initiate a transaction that requires credit, the individual unlocks their credit file to allow the transaction to proceed, and then relocks the credit file upon completion. 

2. Why is it not the case that ALL personal credit information is encrypted when stored? Were this the case, a data breach would leave the bad guys with a lot of useless bits. 

3. Why is it that I have two-step authentication in place for all my personal finances and online data, and yet NO United States credit cards require two-step authentication to complete a transaction. 

Specifically with respect to the data breach at Equifax, my experience with them has been horrendous and a colossal frustration and waste of time. Three weeks after the publicly admitted breach, as advised, I performed step one of inquiring with Equifax as to whether I was affected by the data breach. I was informed that I was, and that I would be offered Trusted Id Premier and would be sent a link to enroll in two or three days. The link did not arrive for eight days. I used the link to enroll in Trusted ID Premier and midway through the enrollment process, their servers dropped my session, and I was told that I had to call a number at Equifax to complete my enrollment. I called that number ( after waiting on hold for 15 minutes ) and finally spoke to an Equifax representative. He informed me that I needed to speak to a supervisor and he gave me the phone number to call ( rather than connecting me directly ). I called that number and after waiting on hold for 30 minutes more, I was told that I had to speak to someone at Trusted ID. I spent two hours last night trying to call Trusted ID Premier, getting a mix of busy signals, or ringing through to be placed on hold and then later having the line dropped while on hold. I continued that until I finally got the message that I was no longer calling during regular business hours and that I needed to call back the next day. The next day, I rang through to an answering machine on my first try, and have now been on hold for 1 hour, 58 minutes, 52 seconds, and still counting. 
Even when, if, I do get connected, I do not have the confidence that my personal information is any more secure today than it was when the last breach occurred, or that any of the credit bureaus have either the motivation or ability to securely handle the personal information with which they have been entrusted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Checked   XXXX   XXXX   and there is a hard inquiry fr om Cbna ( R etail, Not Elsewhere Classified ) on    XXXX   XXXX   XXXX  .  I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   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 non-monetary relief
Consumer complaint received 10/13/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Both debts, ( XXXX XXXX hospital, XXXX XXXX XXXX ), occurred while I was unemployed and homeless. I was covered by XXXX. Also known as XXXX now. XXXX XXXX 's medical safety net program. In both cases I submitted my information at the hospitals.As required by XXXX. In both cases it was n't possible for me to return to XXXX. for treatment. In XXXX I passed out from XXXX, thus the ambulance. In XXXX XXXX I was a outpatient and treated for a XXXX. When in XXXX XXXX My car had broken down .So, at XXXX I did n't have any transportation to the closest XXXX hospital ( XXXX-XXXX miles away ). I was told that in situations like the one I was in. Reciprocal services are extended between the counties.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (PA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX XXXX XXXX XXXX issued an ACT 91 order for the amount of {$4900.00}. I called on XX/XX/XXXX to discuss payment options. No one returned my call. I called on XX/XX/XXXX and was informed that my case was transferred to a new Point of Contact Person and given his voicemail. I left a detailed message. He finally called back on XX/XX/XXXX ( 9 days! ) Unfortunately I was at work and was unable to answer. I called back later that evening and got his voicemail again.. No call back. My breach notice expires today. Guess who I finally got to speak with? According to him I need to send XXXX by the end of business today in order to put a forebearance into effect. Had someone offered this weeks ago when the first call was placed it would n't have been an issue, I could have secured the funds with time to spare. Now I 'm going to lose my home because they do n't return phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX account and XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Negative ItemXXXX XXXX Account Number XXXX 30 days Late payment on XXXX XXXX ( XXXX XXXX respond letter attached XXXX XXXX and they ask me more information 's. they not respond me within 30days period please remove this Item my Credit report ) Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX CREDIT/FRONTIER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report ( Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgments or tax liens. A Bankruptcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this Complaint will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court local to me, in order to formally defend yourself.

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 01/14/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MO).
Issue: Managing the loan or lease

Complaint: I made a payment to my Care Credit account before the payment was due and before I received a statement. To date I still have not received a statement. The service was rendered XXXX/XXXX/XXXX. I set up an online payment account and made a payment of {$200.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I logged into the Care Credit website to make an additional {$200.00} payment. I discovered the system showed a payment of {$25.00} due on XXXX. Care Credit had assessed a late fee of {$25.00}. I called customer service to ask how I could be assessed a late fee when I had made a payment of {$200.00} XXXX. I was told the {$200.00} was not within their payment cycle so it was not recognized. When I asked the customer service representative to explain why my XXXX/XXXX/XXXX payment was not recognized she became frustrated and hung up on me. I called back and spoke with a different representative and explained I just made an additional payment of {$200.00} ( {$400.00} since XXXX/XXXX/XXXX ) even though the minimum payment due was {$25.00}. I was told regardless of that payment, I would still be required to make an additional payment before XXXX XXXX or I would be assessed an additional late fee. This practice is onerous and predatory. I do not understand how making a payment before it is due and for an amount greater than the required minimum could possibly be considered late and subject to a late fee. It would seem to me that any payment made within a cycle would be recognized. I can afford to pay this account in advance but many can only make the minimum payments when due. I ca n't help but wonder how many consumers are being charged these fees despite their responsible attempt to make payments as required. This is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MO).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Talked with company, told the situation company contacts me on my cell but is now calling my work number. This is federal government number. All calls are monitored and recorded through my work line. We are not to receive or make calls out side of work at work. Contacted on XX/XX/2017 at XXXX. They can not call my work number leaving voicemails. I have a cell phone number it is XXXX. I have spoken with them and they know my phone number.

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 08/17/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Re : PORTFOLIO RECOVERY ASSOCIATES and Multiple Disputed Accounts. To Whom it May Concern, I have disputed all of these accounts with Portfolio Recovery Associates in writing on multiple occasions, asking you to provide me with any contract between us, containing my signature, thereby proving that these are indeed my accounts, and that I have any contractual obligation to you. You have continued to reply to me with unrelated paperwork, and have failed to do this repeatedly. Your company also did not reply in a timely manner with the exact information that I have requested in multiple certified letters that I have sent, which you signed for, on XXXX  and XX/XX/17. By not replying in a timely manner to my correspondence, and failing to provide what I have requested of you for validation, not verification, you have not only violated federal and state laws, but you are continuing to report these alleged accounts inaccurately and causing me undue financial hardship. These inaccurate, unvalidated, unverified accounts that you continue to report to my credit files are causing me ongoing financial and emotional distress. They should have all been deleted long ago. Should you continue to choose to report this inaccurate data to my harm, and choose not to delete these accounts right away from all Credit Bureaus and third-party data providers, I will certainly file small claims actions against your firm for the maximum remedy provided to me by law. I have indicated this intention in correspondence with each of the Credit Bureaus as well. I am keeping detailed records of all correspondence with your firm, and the bureaus, which fully supports my position. And I will utilize it to file said claims should your continued negligence and inaccurate reporting make it a necessity. In addition, any court judgment upon which Portfolio Recovery may be claiming to rely upon to defend their position will certainly be challenged by me in court as Void on Its Face, lacking subject matter jurisdiction. I was unable to attend any hearings in order to defend myself, and case law which I have researched will support that any said judgment ( s ) are in fact void, based entirely upon third-party hearsay, no proof on record of a contractual obligation directly between myself and XXXX XXXX, and are supported primarily by unchallenged affidavits of fact which were provided to the court in my absence. By way of example of relevant case law, I offer the following : Default judgment must be proved by evidence entered on the record through a competent witness. See XXXX XXXX XXXX vXXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). Statements of counsel in brief or in argument ARE NOT FACTS BEFORE THE COURT AND ARE THEREFORE INSUFFICIENT FOR THE COURTS SUMMARY CONCLUSION, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with Healthcare Management, LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I was served at my home at XXXX. Upon opening the summons, I received my first notice that a medical account I had been making regular payments on, was sent to XXXX XXXX XXXX and they were suing me for judgment for {$1000.00} plus attorneys fees and costs. Prior to this, I had still been making payments to XXXX XXXX and had no reason to believe my account had even been sent to collections, neither had I ever received written notice from XXXX XXXX showing a balanace owed for this account. When I called XXXX XXXX  XX/XX/XXXX at XXXX, I spoke to two different people and was told by the manager that this is what happens when you put a blind eye to your mail. Never have I ever received a statement of this account or any other notice prior to a summons. I tried to set up payment arrangements for even double what I have been paying to XXXX XXXX, but was told by the manager that if the amount wasnt paid by the court date the judgement would be entered anyway, so my efforts to resolve the issue out of court were unsuccessful. I have also filed a case with usps in complaint that I am not receiving mail, as was advised by XXXX XXXX to do. That case number is XXXX, filed XX/XX/XXXX at XXXX and is pending investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX told me they had decided to forgive the debt. They sent me a XXXX showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the XXXX form to me and the IRS then there should be a XXXX balance and this account closed.

Company response to consumer: Closed with explanation