milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized hard credit inquiry, on XX/XX/XXXXXXXX XXXX XXXX used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and XXXX in writing to no avail. XXXX and XXXX indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but Equifax and XXXX refused to follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (NC).
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: Deville asset management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of North Carolina to collect a debt. I 've tried to contact this company with no response. I would like this company removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting numerous phone calls from XXXX - Dynamic Recovery, who leaves messages to call them. Today I picked up the call and a lady continued to harass me over a debt by their client ( Do not know the name of the client ) that is from 2006. I do not have any debt and said this to her, however, she continued to harass and then became threatening in her tone of voice. I stated that she can not call me for a debt that that I do not owe plus it is over 11 years old. She stated that she can continue to contact me because the debt is due. I asked her to stop calling/communicating with me and that I will be reporting her to CFPB immediately. She then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I put my settlement check in to bank of america and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX

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 02-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells fargo has lost my paper work for over 5 years for a loan mod. They are now foreclosing on me and I have no other choice but to sell. But they are not letting me sell. they are foreclosing! I have asked them for a HAFA short sale but they are selling my home. I have attached my hardship letter and other documents for your review. I would like to be at least considered for a HAFA short sale. It has taken them so long they want me to pay for their mistake in loosing my documents for what I got behind with. it 's their fault. I have a real estate agent who listed my home yesterday. 

Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # 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 08/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed with Credit Bureau for verification of Debt from Portfolio Recovery Associates and The recovery Associate Fail to validated the debt.
The Portfolio Recovery Associate  produced Documentation that were invalid and not sufficient to proof the debt belong to me.
I requsted the Portfolio Recovery Associate to immediately removed the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently I obtained a free credit report on my social security number and I discovered on it a fraudulent individual revolving flexible spending card account opened with Barclays bank Delaware on XX/XX/XXXX.High limit on the account is {$4000.00}, balance amount {$16.00}, balance date XX/XX/XXXX, monthly payment of {$8.00}. The account status : Late 30days,  amount due : {$3.00}. There is a comment that stated : '' OPEN ACCOUNT.ACCOUNT 30DAYS PAST DUE. DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=R2 LAST PAID:XX/XX/XXXX. I did not open this account and never received a bank statement on this account or from this bank. I am requesting that this account be closed for starter, then investigated and removed from my credit report because I am not responsible for opening or managing this account. Here is my dilemma, I called the bank to complain about this credit reporting as fraudulent but they can not recognize me as a customer and will not listen to me since I do not exist in their database and I don't have an account number they recognize. so how can I ever get this bank to investigate this issue originating from me. I will like the to close this account before further damage is done to my credit.

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 Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I noticed atm withdrawals from a non citibank atm that were not authorized by me and was brought to my attention when I was overlooking my bank account statements. I called to report the discrepancies to which I was provided with an adjusted credit. The unauthorized withdrawals occurred on  XXXX   XXXX   ( {$200.00} ),   XXXX   XXXX   ( {$24.00} ),   XXXX   XXXX   ( {$64.00} ) ( {$100.00} ) and totaled {$390.00}. All of that credit has been reversed and my account is now overdrawn and has been  blocked with added charges including {$20.00} for the non usage of a citi bank ATM.I am very disappointed with my short lived experience at this institution and was looking forward to banking here. I will make sure to advise to stay away from this bank.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Credco in XX/XX/ and today, regarding a hard inquiry from a car dealership in Fl, that was placed on my credit file on XX/XX/, which I did not apply for. An investigation took place, only to come back as, the company who pulled my credit, was from an online application source. I even reached out to XXXX XXXX, and requested a phone call from the Finance dept and the General Manager and no one has returned my call yet as of today. I have documentation all this taking place inside the dealership, based on the email from the salesman. Keep in mind this is in another state, from which I currently live. Since this dealership, had the correct info to run my credit, nothing was done to delete this hard inquiry, but to refer me back to the credit bureaus to submit an identity fraud claim.I am exhausted with this process, because I am being dragged in a circle of lies, with no result.I currently have a freeze on all 3 credit reports due to me being a credit fraud victim. I am seeking additional help from your company, with removing this damaging inquiry from my credit report. Please help me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (KY).
Issue: Using a debit or ATM card

Complaint: My checking account was defrauded on XXXX/XXXX/XXXX. Someone stoled my debit card and deposited counterfeit checks, I reported it to the fraud department the same day and was told a form would be mailed. I received the statement on XXXX/XXXX/XXXX along with letters saying my account was closed and they sent me to check systems and i had 10 days to fax fraud statements which when received i had ine day to get it faxed. Then that was first claim the second claim i never recso i finally. received on XXXX/XXXX/XXXX which I faxed and in XXXX/XXXX/XXXX. I was granted provisional credit for {$200.00} and my account was overdraft ed by {$4300.00}. My account was closed. on XXXX XXXX and they forced my XXXX depisit and are keeping it no provisional credit yet and they are not going to release any money. I followed all rules of reg e

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Payday loan () with Risecredit, LLC (TX).
Issue: Payment to acct not credited

Complaint: I borrowed a XXXX from Rise and I had planned on paying it back sooner than I did and I did pay them off, however I had missed a few payments with no charge off. The minute I paid them off they charged me off and will not update my credit that the loan is paid off. I had another collector call regarding the matter and I sent them the copy of proof of payment so that was the end of them calling. However RISE WILL NOT UPDATE MY PAYMENT OR DELETE THE CHARGE OFF WHICH WAS DONE AFTER PAYMENT WAS MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bliksum, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX ( also known as cashcall ) uses false proof of service. My old landlord informed me I had a legal document laying on the door step ( not in an envelope ). If he never told me of the document I would of had a judgement against me In California if the document is left on a doorstep it is supposed to be mailed as well. ( on occasion my landlord contacts me if I get any junk mail that shows up there- never got mailed letter from XXXX ). 

I went to court and asked about the proof of service. I was told it was left with " my daughter ''. The description of " my daughter '' is no where close. Plus She has not lived at that residence for over 10 months. This is a lie, false documention plus my old landlord said this was laying on the ground. 

Is n't this illegal tatic? I wonder how many other people have a judgement against them. 

If they wanted my correct address they could had gotten it off my credit report. I 'm sure they have skip tracers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 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: Account status incorrect

Complaint: On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my fam ily into our 1st Brand new home. Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Payday loan) with Check Security Associates, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Said people were Going to come to my house because I didnt return my call, The ladies name was XXXX. I have the calls all recorded and will be contacting an attorney. I was also advised to file a complaint with this Website and with my Attorney Generals Office.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: As per reviewing my credit report, I noticed numerous XXXX 5 XXXX Capital One Bank items for review. As I browsed through them, I noticed ( 1 ) report that is wrong and never existed. The account details show opened date XX/XX/XXXX closed date XX/XX/XXXX. As I further reviewed Capital One Bank items for review I noticed a total of ( 4 ) closed accounts which is also wrong. I then opened my online services on Capital One Bank to review my accounts with Capital One to make sure there are no errors on that as well. I noticed a card recently added to my account XXXX one I did not apply for XXXX ending in card # XXXX. I called Capital One Bank to go over these accounts today XX/XX/XXXX. They are unable to give me any information on the cards located on my credit report and told me to call the BBB if I need to. I mentioned the card I unauthorized on Capital One Bank online services, the customer representative began telling me they bought this card over from XXXX XXXX which I never had a HSBC credit card, nor have I ever applied for one ). She stated " this is not Capital Ones fault '' and that " I can dispute it with BBB '' once again and to hold for another service rep to further " assist '' me. I have had a total of ( 3 ) cards in lifetime with Capital One. ( 1 ) that I closed ending in XXXX because of an annual absurd fee ; ( 2 ) that remain open ending in XXXX and XXXX all with a zero balance. I have never authorized to open any other cards and neither do I have this problem with any other bank I have ever dealt with ( XXXX, XXXX XXXX, XXXX, XXXX, Etc ... I have other bank cards ) They are a fraud and my identity is being passed between banks and cards are being opened and closed without my consent or me actually applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had my identity stolen by someone I knew back in XX/XX/XXXX and several accounts were opened with my social but a slight change in my name. I had to go to the police station back then and fill out an affidavit to report the fraud. It is now XX/XX/XXXX, XXXX and XXXX has my correct name, address and date of birth, but for some reason Transunion still has the name the person used in XX/XX/XXXX, along with their address and date of birth they used even though this information does not match my social. I 've also noticed that my Transunion score is around 30 points lower than the other 2 bureaus. Transunion also has my former employer 's information listed, and collection notices were sent to the corporate office of that employer with out my consent.

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 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian and XXXX are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet Experian and XXXX has yet to removed from my credit files.

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 08-12-2017 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I checked my XXXX report today XX/XX/XXXX and noticed this account listed on my credit report. Based on the information I show on my report, it was opened XX/XX/XXXX and was placed on my credit report this month, XX/XX/XXXX. It is reporting under the company Payliance as a collection for {$60.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with ALLIANCE FINANCIAL RESOURCES (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I just closed a mortgage loan in Arizona with Alliance Financial Resources on XXXX XXXX, 2016. Now I received a call the beginning of XXXX from the loan officer 's assistant saying the company made a mistake on the late fees. The fee went from XXXX percent to 5 percent and now Alliance has sent a new note for me to sign with late fees being 5 percent. Is this something Alliance can legally do? Please advise before I respond to Alliance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with AFNI INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AFNI reported a {$900.00} collection on my credit report without providing me with a notice of my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry dated XXXX XXXX,2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. The certified letter was returned undeliverable unknown address.

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 10-12-2017 about Debt collection (Medical debt) with Credit Solutions, LLC (KY) (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Approx. XXXX XXXX Credit Solutions LLC XXXX XXXX XXXX XXXX KY XXXX contacted my husband in regards to a medical bill that they are attempting to collect on. They did not ask who he was but proceeded to tell him the amount of bill owed {$4700.00}, the original creditor and asked if I had any intentions on paying my bill ... ... Actions previously taken, a separate CFPB complaint was filed against this same company by myself back in XXXX 2017 for threatening to take legal action against me and it was their first contact with me as well as called my multiple occasions on the same day after I told them that I would need to call them back. This is extremely concerning since one complaint was filed in less than a year against the same company for malicious practices and tactics to collect a dept.

Company response to consumer: Closed with explanation