milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Credit card () with TD BANK US HOLDING COMPANY (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Consumer Loan (Vehicle lease) with Porsche Financial Services, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: XXXX 2008 I was forced to return my car to Porsche financial. Per CA statutory law, Porsche was then required to 1 ) give me notice and the ability to reinstate my loan, 2 ) give me the address of the auction. Porsche did not do any of the required items necessary to collect a deficiency balance. I have disputed the collection of the deficiency balance for three years. I have sent Porsche and all three credit reporting agencies a dispute asking specifically for a copy of all notices sent to me regarding the loan and repossession. Porsche has not sent me copies of any of the statutorily required notices that they had to send me before they could legally collect a deficiency balance. 
Finally I received a statement from XXXX where the history was removed, yet, they still continue to report a balance that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Sale of account

Complaint: Hello, I have been paying Chase on my Credit Card balance since the last Chase Statement " date XXXX '' the Balance was {$8000.00} Chase has mailed me letter stated " Update : We received your payment and will forward it to XXXX. XXXX XXXX purchased your account from us on XXXX/XXXX/XXXX ''. " XXXX has filed to the Court that I owe " XXXX '' Principal and interest since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SUPERIOR COURT OF CALIFORNIA , COUNTY XXXX ( XXXX ) XXXX XXXX COURTHOUSE ORDER RE : CLAIM OF EXEMPTION The Judgment Debtor 's Claim of Exemption is GRANTED. That is my husband and I the join checking account at Chase Bank.On XXXX/XXXX/XXXX " XXXX, XXXX '' Faxed " NOTICE OF LEVY ( ENFORCEMENT OF JUDGMENT ) '' " WRIT OF EXECUTION '' to our join checking account at Chase Bank again. 
I do not owe any Credit Card balance to " XXXX, XXXX " XXXX, XXXX '' has no right to file the judgment on me. I had paid Chase Credit Card {$5.00}, XXXX ending XXXX, XXXX since the Chase Statement balance was {$8000.00} Chase has received my Chase Credit Card Account payment through my Bank Bill Pay to " XXXX. XXXX XXXX XXXX, Illinois ''. There is no current balance statement from Chase. It is not right for Chase to have cardholders pay card payments to other than Chase because Chase sold the account. I had used Chase Credit Card not XXXX therefore, I pay Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have filed Complaints to XXXX XXXX XXXX. 
In regards to the Enhanced Recovery Company # XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX/XXXX/2015 sent a 30-day Validation Notice. 
Have asked Several times in the last 5 months to have the items removed. Contacted : XXXX XXXX, XXXX and XXXX. 
The repositories do n't contact the Debt collections and their reply is they verified the information is correct. Need the item removed. Please! Next step is to file a Class Action Suit in regards to Title V of the Fair Debt Collections Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed chapter XXXX bankruptcy in XXXX XXXX, XXXX. I completed chapter XXXX bankruptcy in XXXX XXXX XXXX. After chapter XXXX I did a mortgage loan modification with XXXX XXXX Mortgage. I started a new loan on XXXX XXXX, XXXX up until now. The dispute I have is that all major credit bureaus are reporting my mortgage loan information except for Experian Credit Bureau. I have disputed this item with Experian Credit Bureau and have let them know XXXX XXXX is reporting my information to them and they response is that XXXX XXXX is not reporting my current mortgage loan to them. I have repeatedly since XXXX XXXX, XXXX have asked to investigate and they repeatedly is blaming XXXX XXXX Mortgage. This is hurting my credit score and preventing me from getting credit from other lenders.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent XXXX XXXX Equifax, XXXX, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX/XXXX/XXXX I talk to a lady name XXXX in the consumer affairs office at Equifax, XXXX XXXX refuse many times to remove / delete a {$40000.00} delinquent 15 old account off my credit report, XXXX XXXX to remove a SSN thats not mind off my credit report, XXXX XXXX to remove / delete XXXX address thats not my address at all off my credit report, XXXX XXXX to Remove / Delete my middle initial, XXXX XXXX to remove a formerly Known name that I never used off my credit report XXXX XXXX XXXX to remove / Delete a account that was removed from my credit report & put back on my file with out sending me a letter with 5 days explaining why the {$320.00} Account was put back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has many times refused to investigate the underlying debt from XXXX that produced a lien from the State of Michigan, even though that lien and the underlying debt was disputed and eventually deemed not owed. Due to the lack of response from the State of Michigan, it took over year for the lien to be removed after the state was legally required to remove it. 
Equifax continues to confirm that the lien was there up until XX/XX/XXXX, but never looks at the underlying debt date and disposition. They refuse to do a full investigation on this item and refuse to remove the lien that was based on a debt not owed from over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I contacted Equifax about my credit report and the remarks. According to the company the report stated that I had serious delinquency and public record or collection filed. I was aware of the public record but no collection files or delinquent accounts. After speaking with a supervisor I was advised that I had XXXX accounts that were charged off, one from XXXX XXXX that reported two lat payments in XX/XX/XXXX and reported a XXXX balance. I made sure I understood and this account came to Equifax reporting 1. XXXX balance 2. Charge off then two late payments. My question was if the account was paid and never reported a balance then how do you report it as been late? Then the account for XXXX 's which I disputed online with the Equifax monitoring and never received any follow up so this item should have been removed. Both accounts are older collection items and are reporting outside of the statue for reporting in which I have mentioned in my disputes. They have failed on all accounts to update and keep giving me that 30 day speech.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Credit card) with Operating Partners Co., LLC (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A Company named Operating partners LLC and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter ] to collect a debt for XXXX XXXX XXXX for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency Customs and border protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a XXXX letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in XXXX XXXX and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named XXXX XXXX ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with Creditrepair.com Holdings, Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have been charged with a fee of XXXX dollars to cancel the account at Creditrepair.com. During the sign-up process, the telemarketing agent did not mention any activation fee of {$99.00} ( I was told it is monthly subscription fee ), but now when I asked to cancel the account they came up with the idea that it is in the contract and that is how they do it. Please look into this issue and let me know if you need any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: NBC Management has not disclosed any information to me in reference to a debt they claim I owe. They did not allow the 30 days to dispute or validate this claim. They have harassed my family members and my friends by calling them all hours of the day. They continue to call my old job looking for me. I received a voice message from them basically saying they had legal paper work they needed to drop off for me and if anyone knew any information of my current employer or residency to give them a call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX  XXXX NA Inquiry : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

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 09/25/2015 about Debt collection (Medical) with GSI  Recovery, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Firstly-I moved in XXXX of 2015. My mail was not being forwarded properly. When I sorted it out I had a bunch of checks from my insurance company that were owed to XXXX and XXXX XXXX XXXX. I sent them the checks, along with my new address and requested that all further communication be sent to my new address. I am sure they received the letter because the checks were cashed. I never received a further bill from that office. 

Over the summer I was contacted by a collection agency XXXX GSI Recovery, LLC XXXX via phone explaining that I was responsible for a debt of {$730.00}. They said they had contacted me earlier, however I never spoke with anyone. I had never received a bill of any kind from my doctor or the collection agency. The collection agency had my previous address on file.I explained to the agency that my doctor must have neglected to update my address, even though I had provided them with it months ago. I told the agency I needed time to look into the charge and requested a hard copy of a bill so I could speak with my insurance company about it. I told him I wanted to correct the situation but needed the information to contact my insurance company to ensure I was responsible and not them. He told me that my only option was to pay then or he was reporting it to the credit bureau. I told him I could not do so as I had no indication of what I was being charged for and requested he mail me a bill to my new address. I never received a bill. 

This is now reflected on my credit report and I have never had the opportunity to even see what I was being charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.

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 11/23/2017 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: Public record information inaccurate

Complaint: I recently viewed my Credit Report from each Beaureau, which shows a Bankruptcy Chapter XXXX on my reports. I have contacted each with a Validation of Information with no response after 45 days. The bankruptcy was never verified as mine and also shows date completed as N/A the Plaintiff also as N/A. The last four numbers of social security # showing on the reports is invalid. The info on this Collection is invalid and is not my debt. Please delete this off my report as of now.

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 03/16/2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (OH).
Issue: Application, originator, mortgage broker

Complaint: Concerning the appraisal, we instructed XXXX ( Who works for AAG Case number : XXXX. ) to put in an appeal with houses that is more similar to my own a week ago. The appraiser used houses that look nor are in any why close to mine. I found houses that sold in within three months that looks and more similar to my own. As you can see the first set is the appraisers comparison, and the second is the homes I found in the same area of mine. The FHA appraiser should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed an account with XXXX XXXX and the credit reporting agencies several times. I have requested information relative to this account, including documents bearing my signature that serve as proof of the account belonging to me. XXXX is not authorized to collect debt in my state, and therefore, I have not only requested proof of this debt being valid ( NOT billing statements ), but proof that they are legally authorized to collect debt in the state of Georgia and have not received either. I have received one statement showing a balance of {$1700.00} and an account number with no proof that this is an account that I indeed own.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Optio Solutions, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A company called " QCS '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XX/XX/XXXX15, nearly two months later, I received a letter from Qualia Collection Services, a unregistered collection agency claiming I owed a company called XXXX, XXXX the {$200.00}. I have never done business with XXXX, XXXX XXXX Louisiana Revised Statue XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been the victim of on going ID theft and have sent documents and a police report to Transunion asking for the following fraud info to be blocked and or removed. 
1.XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 XXXX Credit Card XX/XX/2016 As to date Transunion has not corrected this problem .

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