milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently become an adult and monitor my account like I should. I purchased a XXXX  account which shows the reports for all the Credit Reporting Agencies. As ofXX/XX/XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XX/XX/XXXX and another in XX/XX/XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.

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 04/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Representative, Have requested Mortgage Servicer to correct mailing address several times during the year. Missing monthly statements. Also, requested information on modification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: My parents attempted to put cash in their grandson 's Chase bank account. They could not because they were not account holders there. They were told to use a cashier check, personal check or money order. None of these allow instant access to cash and/or cost money. This seems like a plot to force people to open chase accounts and not combat money laundering. ( For Pete 's sake there are more efficient ways to launder money through Chase Bank without stepping foot in a branch )

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IA).
Issue: Account opening, closing, or management

Complaint: The incidents have taken place between the dates of XXXX XXXX 2015. We, XXXX XXXX and XXXX XXXX, are jointly filing a complaint against XXXX Wells Fargo Employees:1. XXXX XXXX, NMLSR ID : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXXXXXX. XXXX XXXX XXXX. XXXX XXXX XXXX listed employees were fraudulently involved with knowing and/or opening an unwanted line of credit by accessing XXXX 's social security number. Furthermore, when closing all accounts from Wells Fargo, we learned not all accounts were properly closed therefore altering the amount the home loan lent to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are calling me saying I owe a debt and they are Chase Receivables and their web site is called chaserecievables.com. I have never had a account with Chase Bank. I have call Chase bank and they do n't know the phone number they have left for me to call. Chase bank has told me not to share any info with them. When I did call, because they call everyday, they wanted me to verify the address by giving where I lived. I ask them to give me the address the have and they would not do that saying it is illegal. I ask why they have not mail any info to me. they say they have. The biggest problem I have with this is the are calling my home phone. I never use this number for anything. Do n't even know it without having to look it up. I only use my cell phone and they have never call me on my cell phone. I feel this is a scam and want the phone call to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/2017 a Cease and Desist was faxed to Portfolio Recovery Associates at their corporate office. They did receive it and within a 10 day period started calling and stating they did not receive it, This was not the truth. One Saturday around XXXX PM I received a call from a lady reading from script about attempt to collect a debt I told her your under a Cease and Desist. She hung up I decided to call back and make an arrangement to clear the debt and show good faith I spoke to a gentleman named XXXX and settled to accounts. I did XXXX posted dated ACH debits for XX/XX/XXXX and XX/XX/XXXX for XXXX. I did XXXX for XX/XX/XXXX and XXXX The XX/XX/XXXX has paid just waiting on XX/XX/XXXX to clear bank. I made it very clear to XXXX that this will not be reported to any credit reporting agency he assurd me we had until XX/XX/2017 to pay this with no negative reporting Toady I was informed by XXXX they reported it XX/XX/XXXX and my score dropped XXXX points. This is deceptive trade practices. I noticed this company has several complaints and lawsuits pending I need your help to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX around XXXX XXXX an individual from Diversified Consultants Inc. called my home number looking for XXXX XXXX. My wife answered the phone and told them ( 1 ) we do not know who this is, ( 2 ) no one by that name has ever lived at this number and ( 3 ) we have asked and been told multiple times when this company has called the number would be removed. They told us today it would happen. Problem is they always promise and then call back. On Thursday, XXXX XXXX, around XXXX I spoke to XXXX XXXX, told him the issue and asked to talk with a manager, he put me on hold and then the line went dead. I called back at XXXX XXXX, spoke to someone and asked to speak with a manager. I was transferred to XXXX XXXX in XXXX FL at XXXX. XXXX promised me my home number would be removed from their files. This is the second time I have filed a complaint about this issue. The last time was in XXXX of this year. Your agency told me the problem was resolved. It is my opinion they simply " sold '' the file to a sister company in a different state. Not sure how else to explain this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with Credence Resource Management, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have an account that is fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Account opening, closing, or management

Complaint: First My debt card was hacked by scammers they replaced the card then I had to pay over {$100.00} in fees. My checking account disappear in I did n't get no notice in the mail about my checking account. Now I just have savings account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted the debt collector many times requesting a bill or explanation of the debt in which they are stating that I owe. The just continue to tell me that they are not able to provide this to me. I last spoke to XXXX at collection consultants and she stated they could not provide me anything besides telling me that I owe money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a cashiers check for {$2900.00} into my Bank of America checking account. Bank of America placed a hold on the cashiers check to ensure that the check was good. After a few days, the bank cleared the check and the funds were made available to me. I then called the bank to verify that the check was good and the money could be spent. Bank of America confirmed that the check was good and the money could be spent. After I spent the money, Bank of America notified me that the cashiers check was fictitious. Bank of America now wants to collect the {$2900.00}, plus fees, from me. I do n't think this is right. Please help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a home loan for $ XXXX in 2004 with XXXX XXXX. They file bankruptcy soon after. A company out of Texas called Caliber Home Loans continues to fail to document my payments and correct loan balance and does not own my loan nor do I owe them anything per the FDCPA, they are simply debt collectors acting on their own behalf and need clarification to all of thisXXXX XXXX XXXX XXXX XXXX claims to be the Trustee for XXXX XXXX XXXX XXXX out of Delaware, but I have not seen any documentation whereby they have paid any consideration nor bought my mortgage. I have a group of Attorney authorized on file and they have failed to send them the requested documentation. Right now I would like an update of my alleged loan balance and escrow account with this company, along with a copy of all documentation requested by my Attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your Equifax. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. Equifax advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with I.C. System, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2015 I was prescribed XXXX XXXX by XXXX XXXX XXXX XXXX. They told me before my sessions that it was covered and I only owed a copay. A few months later I received a bill for the full cost of the 4 XXXX XXXX XXXX {$550.00}. I told them I did not owe that amount because insurance was supposed to cover it and I never heard from them again. The amount was then sent to I.C. SYSTEM INC for collections even though I disputed that I even owed them money in the first place. I contacted the collections agency and indicated the amount was in dispute. Now I have negative marks on my credit report. I do n't owe this money.

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 06/28/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: bank of America has refused to assist me with my mortgage issues. They have delayed assistance over and over, and initiated foreclosure against myself. They have violated the fha hud servicing requirements several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed these accounts a few times already asking for validation and Transunion has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Transunion needs to remove these accounts. I have attached file with CIRCLED payment history errors. They go reporting " 0k '' status for a few months then they go late 90,120, 120, 120,120,120,120 ( How can it be 120days late for 7 months straight ) it Then goes to " X '' ( Unknown is NOT proper reporting ) to " Ok '' status then again same late Cycle again. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have tried to dispute this bankruptcy discharge on my credit because this is not mine because the address on the pacer website says it was sent to an address in north carolina and i never lived out there so i am asking for the credit bureau to get rid of this negative 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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (NY).
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: My ontime payment went through an inactive checking account onXX/XX/XXXXXX/XX/XXXX for my XXXX XXXX that I lease from BMW financial services due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called BMW financial services on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame BMW financial services for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times BMW customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at BMW finacial serviecs and they denied it all times!

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 07-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had recently submitted a complaint in regards XXXX XXXX for an collections account of {$370.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
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I would like to request for XXXX XXXX to remove this account from all credit bureaus ( XXXX, XXXX & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with RevSolve, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This account had originally been around {$4000.00} (? ). My husband had been helping with this payment for while at an agreed upon {$150.00} every month. He then stopped helping me and we do not share an account so I do not have access to any money other than what I receive from XXXX ; which is n't enough to pay my bills. I have not been able to work since XXXX 2011 due to multiple debilitating health issues including XXXX. I tried to explain this situation to the hospital via phone and in writing. I continued to make payments albeit not every month, but I told them I could pay a much smaller amount then the {$150.00}. I expressed that I was concerned about the situation and that I wanted to pay it off so they could receive what was owed and I could protect my credit. After my last note to them I never heard anything for months. I was n't sure what was going on and I suppose I optimistically and foolishly hoped that perhaps they wrote the account off since at least XXXX had been paid and also due to the difficulty of my situation. I had testing done the other day at the hospital and while scheduling this over the phone this was mentioned. I attempted to explain the situation again and was told I could set up plans to make a new payment plan. Instead, I found out through XXXX XXXX that I had been turned over to collections. I do n't really fair this was fair as I was trying to work with them, but could n't afford to pay what they wanted to my financial, marital, and health situation. I did not see any notice indicating I was being turned over to collections. and this was going on my report.

Company response to consumer: Closed with explanation