milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Payday loan) with Pinnacle Asset Management, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ok they called me at work and this is all they can send me i was told if i didnt set up a payment plan i would be sent to lenagaiton i was given XXXX hours to make a decision this is what they sent me i can not get a hold of original loan company i did not take out this loan but cant aford to have days out of work PAM, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/2015 Original Creditor : XXXX Original Account Number : XXXX Account ID : XXXX Balance Due : {$650.00} ( Due Immediately ) Dear : This is your final notice concerning your account with XXXX. We have made several attempts to contact you for payment of your account. This notice is to advise you that failure to pay this account within receipt of this notice will result in further collection efforts. 

Please call our office at XXXX XXXX XXXX XXXX concerning this account to avoid further collection efforts. 

This letter is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 






Sincerely, PAM, LLC

Company response to consumer: Untimely response
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX, XXXX was attempted to collect the debt with me and kept call me with different number. i was told them that i was attached to chapter XXXX bankruptcy, but they still called because the prior creditor they know that i was attached to bankruptcy, and portfolio recovery bought from prior creditor on XXXX 2016. and they seem like they never fixed the problem even though they knew it was including in chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX 2016, All of the inquiries on my TransUnion credit report were removed entirely, then reinserted a short time later. I had no notification of, nor did I authorize, the inquiries be reinserted. I have contacted TransUnion multiple times, the last call on XXXX/XXXX/2016 @ XXXX, trying to get the issue resolved, but customer service would not help me and take care of the negative inquiries reporting on my credit report. 
List of Inquiries deleted then reinserted : 1. XXXX XXXX/XXXX/16 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX via XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX.

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 03-09-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my second attempt to inform Equifax of my ID theft claim, there are reporting on my credit report that are due to fraud from XXXX XXXX which includes a judgment and collection reporting. I contacted XXXX XXXX and they have addressed it appropriately. I attached a letter they have sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: XXXX Re your inquiry for more information, i have been unable to contact you by telephone as i get a constant engaged tone! i have been trying since XXXX GMT i believe the time there will be around XXXX, if there is any thing you wish to know about my problem with the Bank of America i have email correspondence, if you can please tell what information you need by email my email address is the same as i have on the complaint if you would rather speak to me direct send me a contact number so i can call you back XXXX the last complaint about paying the reboot costs has a date for completion this is the XX/XX/2017 it is then if i can not find the final amount {$300.00} my funds will be confiscated the funds are at a rough guess about XXXX, i have no problem paying the reboot costs as there is plenty of money held in my account in the Bank of America on its not here in the XXXX, as i am in deep debt trying to pay all the costs needed all these are completed but i still can not transfer any funds my account manager XXXX has pleaded with the directors about my hardship yet they are holding on to my funds, this would not happen in the XXXX we have laws and rules that apply to all banks with in the XXXX, the treatment of bank customers are in front of any needs of the bank, yet to me the Bank of America have their own agenda to upset and take money that is not theirs to take and the treatment given to some one like me is in my case terrible and that telling you with out swearing!! so like i have said any thing you wish to know i will reply tho i hope its be email by the persons dealing with my complaint,, thank you for contacting me XXXX

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 08-01-2017 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 status incorrect

Complaint: In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with Equifax and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted GC Services in XXXX XXXX to advise that i was not in agreement with the amount that they claim that I owe XXXX. I was advised that I needed to contact XXXX to address. We also discussed that i have equipment that I need to return which would drastically. Reduce the amount due. I contacted XXXX and returned the equipment reducing the balance by over {$1000.00}. XXXX advised me that they would have a supervisor contact me to discuss other charges. i then made contact with GC Services and provided an update. I advised GC Services that I was working with Dish as I was not in agreement with the amount of XXXX claim. The representative at GC Services requested that I make a good faith payment on the account while I work with XXXX to resolve. I made a payment of {$75.00} to GC Services three days later I received an alert from my credit monitoring service that i had a new collection. I immediately contacted GC Sercices who advised that there was nothing that they can do. Since then GC Sercives has updated the item on my credit report six times within a one week period. They even took the amount due back to the original amount. This seems to be retaliation for disputing the item. With them updating the item it makes it look as if it is a new item. GC Services sent an updated Dish bill in XXXX XXXX the bill showed the XXXX payment that I made to GC Sercices it also reflected the returned equipment. The date on the XXXX bill is XXXX XXXX XXXX. The bill was never sent out to me. XXXX does it have any of the debt collection language. Why would XXXX create a new bill for an account that was closed in XXXX or XXXX of XXXX. This further shows the deception of the collection practices. This bill was only generated when GC Services was challanged to do a debt validation. I only had service with XXXX for three months. I canceled the service due to service issues and the overall customer service exoerience I had in the shirt period of time i had the service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is currently the holder of my student loan debt. They have misguided me on options of repayment. Therefore, my credit report has been greatly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Account was closed by bank they wo n't release funds for at least 60 days. I understand they do n't have to business with me\ can close account but want my funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In year of XXXX i took plead deal on a sales tax for underreported sales it was a partnership. it was mismeanor offence. In XXXX i apply for credit card with Chase Bank they sent out my cards to me. within 2months they close my account. I wrote a letter to their excutive branch and they said, they decline me because I pleaded guity to a tax fraud in XXXX just found out this information today XXXX/XXXX/XXXX. I bank relation with other Banks i.e. XXXX XXXX XXXX, XXXX, and XXXX XXXX .. This happen 10 yrs ago in our XXXX XXXX .. please give me some direction what need to do clear my name with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had a credit card with XXXX XXXX XXXX for over 10 years with no late payments. I got this credit card when I was still working in Florida and in good health. 
Now I am on XXXX due to XXXX XXXX, XXXX XXXX issues and only XXXX XXXX issue. I only receive about $ 1100 monthly. XXXX XXXX XXXX was charging me 22 % interest. I talked with them twice this week about reducing my interest rate. They did reduce the interest rate ... but only to 21 %. My current balance is about {$3300.00}. 
The interest they are charging me is way too much for my current income. I do not want to file bankruptcy! I only want XXXX XXXX XXXX to reduce my interest rate much more than they have. This would help me pay the debt I owe to them. 
As it is now, I can not make ends meet. 
Please help me resolve my dilemma. 
Thank you so very much for your time and consideration ...!!!

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 06/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other fee

Complaint: On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$.00} was removed from my BankAmericard XXXX card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : XXXX and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred XXXX times in the last seven months.

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 monetary relief
Consumer complaint received 09/19/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX XXXX XXXX in XXXX a lienholder title state in XXXX of XXXX, than moved to XXXX a title holding state and registered the vehicle in XXXX of XXXX. I subsequently refinanced with another company car finance capital who is requesting the original title " XXXX '' for some reason Santander consumer consumer sent a copy to XXXX but can not produce the title for a reason unknown. I would think that as the lienholder they would have the original title but they " Santander claims that I supposedly have it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, Equifax reports the following errors as of XX/XX/2017 via my consumer reports : 1. Unknown creditor with no provided contact information, {$300.00} ( see attached ) 2. Unknown creditor with no provided contact information, {$100.00} ( see attached ) 3. XXXX XXXX XXXX is current and paid as agreed 4. XXXX XXXX is current and paid as agreed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: We filed bankruptcy in 2010. We live in the effected area where Hurricane Harvey hit and flooded our neighborhood. We have our mortgage with Well 's Fargo Home Mortgage. We have been passed around so many times that I do n't have any names to give you on who said what. We decided to relocate and are in the process with an SBA loan. Our home owner 's insurance on the current flooded home, did not cover flooding, but did roof. We had hail damage and the roof leaked during Harvey, causing mold to grow on the ceiling. XXXX XXXX, home owner 's insurance, only paid {$6100.00} to fix the roof. This check was made out to us and Well 's Fargo. We followed their steps to send the check to them. We faxed them a letter, per Well 's Fargo, stating that we needed to know in writing if they were going to apply the monies to our outstanding balance or use it to fix the house. That was 2 weeks ago. We have heard nothing from them. All we need is a letter stating their intention towards the monies and they will not let us know. My husband called them last week and ended up in an argument with the person he spoke with.

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 01-05-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Suddenly, I noticed on XXXX XXXX that I had a negative debt collection against me. I immediately thought it was identity theft. When I disputed the debt on XXXX, they took it off immediately. XXXX claims this debt was verified, however it was from XXXX and the collection company was stating it was from XXXX of this year. The original debt is purported to come from XXXX for internet. I never received any notice of this debt and I never got notice from the collection company to pay this debt within thirty days as is required by law, before it appeared on my credit report. XXXX refuses to help me or provide any documentation proving that I was given notice. I consistently paid my bills on time, therefore, I do n't think this debt is valid. The collection agency is supposedly the second collection agency. I never got notice from the first and nor did I get notice from this company. Again, this is the first time I have been made aware there was an outstanding balance of {$29.00} on an account from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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