milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I wrote and asked Experian to remove the address " XXXX. XXXX XXXX, XXXX, PA XXXX '' from my credit report as there are no active or inactive accounts reporting it. Experian wrote me back and stated that if I believe an address in my credit report to be inaccurate to contact the source of the information directly. The " source '' has been inactive for over 6 years and IS NOT REPORTING. But a dispute -- XXXX -- is using the address only because they found the address on my Experian report. I have NEVER used a " XXXX. XXXX XXXX, XXXX, PA XXXX with XXXX. This is why I want the address removed. Keeping this address on my credit report puts me in jeopardy of fraud. I still dispute the XXXX charge and they have no right to report or use an address I have never used with them. I would like the " XXXX. XXXX XXXX, XXXX, PA XXXX removed from my Experian credit report as it belongs to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Credit Plus Inc (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hard Inquiry - Information below : Credit Plus Inquiry from XX/XX/XXXX - XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have already followed up on this through a complaint but nothing was resolved. XXXX resolved, but transunion has not. They instead have mentioned an issue with my address which is not an issue. The address given is on my report and had been for 18 years. I have inquiries that were not authorized and they are not being removed which is unfair and to my knowledge illegal to have allowed these inquiries to be on my account from unauthorized applications. The unauthorized inquiries have been now removed from everywhere except transunion as i am having difficulties coming to a resolution. Ive written letters back in XX/XX/XXXX when my police report was filed only to no avail. 

What needs to be removed is this credit card from XXXX XXXX, inquiries from XXXX XXXX, XXXX, cXXXX XXXX XXXX ( valid inquiries for XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ), XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I truly hate being a pain but these inquiries are insane and even an added account onto my report has happened since i placed the fraud alert on my report. Ive followed the needed steps with filing the police report and monitoring closely, yet these things are piling up, only on my transunion. All other reputable reporting agencies have resolved this issue. The adddresses on my report at XXXX XXXX XXXX is valid and has been for 18 years. I also have an address at XXXX XXXX in XXXX which is also valid and on my report. Please help 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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Never lived at XXXX XXXX. X wife lives there

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have made along with my son several requests to remove derogatory credit information on my sons credit report. We both have similar names each credit report agency is using my credit history on my sons credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Credit card debt) with Weber & Olcese, PLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX year old son has XXXX and was crying and visibly shaken. After XXXX minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In early XX/XX/XXXX I mailed following request to Equifax Security Freeze - I have lost my 10-digit Security PIN and am requesting a replacement PIN. Enclosed is a copy of my Indiana Driver License. My phone number is XXXX and my email is XXXX. 
Please let me know if you need any additional information. 
Thank you, ( please see attachment A below ). 


On XX/XX/XXXX, Equifax Security Freeze sent me a letter indicating the ".. security freeze was permanently removed from your Equifax credit file. '' ( please see attachments B-page1 and B-page2 below ). 

This was not correct - over the next 6 weeks I was unable to access my Equifax credit report, nor was my bank, XXXX XXXX XXXX in XXXX IN, able to obtain a copy of my Equifax credit report. 

On XX/XX/XXXX, I communicated this information in a letter to Equifax ( please see attachment C below ). 

I have tried unsuccessfully since then to retrieve my Equifax credit report, as has my bank. Each request by my bank comes back that the " ... customer requested security freeze .... '' Equifax either refuses or is unable to remove the security freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: Bank of America continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different bank of america to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet bank of america makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was laid off by my employer in XX/XX/XXXX and was making small payments to Discover Student Loans to keep my loans current. I was receiving unemployment benefits from XX/XX/XXXX which have now run out as of XX/XX/XXXX. I called Discover Student Loans and spoke to the representatives and managers to explain to them that I have no income and was on unemployment and they all told me that they can not do anything to defer/forebear my payments. I currently have no income coming in and I am actively looking for employment but can not defer/forebear my loans due to financial hardship with Discover Student Loans because they tell me that I am locked into a payment plan and have to make 6 consecutive payments of the minimum of {$920.00}. I currently have to make a minimum payment of {$1700.00} to bring my loan current as it is delinquent. The Senior Account Manager, XXXX, who I was explaining my hardships to told me that I should " borrow money from someone '' or seek out my co-signer, who is my mother, who is unable to assist me due to her high mortgage payment. They told me that there is nothing that I can do and that my payments will continue to increase and they will report my delinquency to the credit companies. I was able to stop payments on my government loans due to my financial hardship but Discover is refusing to assist me with this since I have a " special private loan '' with them. I have no idea what to do at this point and my credit is completely shot. Additionally, they call and harass me all hours of the day and night and I am at my whits end and I explain my situation to them every time I speak to them and they all tell me the same thing, " there is nothing we can do for you and you have to make the minimum payment or else the loan will go into delinquency and be reported to the credit agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An individual by the name of XXXX XXXX has repeatedly called my landline house phone claiming to collect a debt that he will not specify. He claims to be a representative of Municipal Services Bureau and only provides this phone number XXXX. I do not know of any debts I currently owe to this company which is based in Texas. When I called the number to inquire about the debt I owe, I was kept on hold for almost an hour and spoke to no one.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been living in my property over 8yrs, got into some financial difficulty due to medical condition. I was only 3 months delinquent and I sent XXXX payments in that was sent back to me. I have been waiting for almost a year to get some type of assistance which made them charge me more late fees along with attorney fees. I was recently denied for options due to the amount of months they are stating I am delinquent ( over 12 months ) I disagree and in addition I was not given the option of a partial claim nor a repayment plan. I attempted several times to contact them and was told to call there lawyer. I was never served a complaint to negotiate the amount i owe to this date. I am appealing the decision made of denying me any and all options with the acceptation of selling my home. I am not happy with the results of this mortgage/servicer company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Prince Parker & Associates (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have spoken with this debt collector multiple times via phone conversations and explained to them that this is not my account. The only account I have had with XXXX is for XXXX ... The account I had with XXXX was paid in full around the same time this collector began calling me about the account in question. This is basically fraud as it appears that someone has added my name to this account without my knowledge or consent, because based on the dates this appears to be a bill from the previous owners of this home, so it just leads me to inquire and ask how you would have associated my name with this account. I did not have any interest ( owner nor tenant ) in the property at any time prior to the XXXX of 2017. Per the bill that was sent, there was a carryover balance from XXXX of 2017, which is impossible as I did not own that property nor did I live at that address until XXXX of 2017. I have informed them repeatedly that this is not my account and I received a call stating that it was my final attempt to pay or this information will be added as a derogatory entry to my credit file. This is not my 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 11/14/2017 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 an account on my credit report that was deleted by Experian several months ago due to someone stealing my information and getting an apartment. I noticed last month that Experian has reinserted or re-reported this collection back onto my report as a new debt collection. 

I have sent a letter pressing them to remove it and no response yet. The letter was sent XXXX. I 'm trying to move forward with something and need to use my credit but because of this collection that is put on hold. 

Experian is a big company and I know I 'm just a number of them but I 'm hoping to shine some light into this and get the service I need. 

Thank you, 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 10/31/2016 about Consumer Loan (Installment loan) with Colony Brands, Inc. (SC).
Issue: Managing the loan or lease

Complaint: The card was paid and was agreed to remove from credit report and was not

Company response to consumer: Closed
Consumer complaint received 08/30/2016 about Debt collection (Medical) with Credit Clearing House of America, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/XXXX, upon returning from a work conference out of town, I opened a letter from the Credit Clearing House of America. This stated that I was being sent to collections for an unpaid bill from XXXX XXXX of {$490.00}. I could n't recall ever seeing a bill for this so I searched through two years ' worth of bills that I received through mail and via email. I could find no record of this bill. 

On XXXX/XXXX/XXXX I called CCH and they suggested I call XXXX. At XXXX I spoke with XXXX. He said the bill was for service dated XXXX/XXXX/XXXX. I told XXXX I had no knowledge of ever receiving this bill. He stated that his records showed XXXX XXXX had never sent me an invoice for the service. XXXX said he would speak to a manager and call me back. 

In the meantime, I searched my bank accounts to see if perhaps I had paid the bill and did n't remember. I could find no record of a payment in my current bank accounts. Unfortunately, my bank account in XX/XX/XXXX is different than my current account. I called the bank but it would cost an exorbitant amount of money to get those statements. 

I called XXXX back on XXXX/XXXX/XXXX. I spoke with a different representative, XXXX. She also confirmed that XXXX XXXX had never sent an invoice. This representative stated that they sent the debt to collections on XXXX/XXXX/XXXX. The first letter I received from CCH was XXXX/XXXX/XXXX. I did tape this conversation and have that recording available to validate never receiving an invoice. 

Upon further research of this issue, I found references to a term called " parking '' a debt - where collections will not act on a debt until the person applies for a mortgage or loan. My husband and I had inquired about a mortgage in XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 03-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other fee

Complaint: Hello, I have a kohl 's credit card, and last month I paid my account off in full online, Two days later they made an attempt to charge my bank account the same amount again. It caused me an overdraft fee of {$35.00}, so I tried calling them and asked them why they would double-charge me. They claimed that I authorized those XXXX payments which is n't true because I did n't owe Kohl 's anything.to pay on they even wanted to charge me a returen check fee which a manager said later that she wont

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am in the process of refinancing my house, and currently having trouble receiving the correct pay off letter from my current loan service provider Specialized Loan Servicing LLC. When the original request was placed by XXXX XXXX ( XXXX ), the new mortage company, the Pay Off letter they received had the escrow funds applied to the principlal, as an arbitrary decision by XXXX. Since the letter was received i have called several times and requested the pay off no to be inlcuded, as this funds will be used to pay my taxes and insurance in XX/XX/XXXX and i will use as part of closing cost. 
On the first call XX/XX/XXXX, the XXXX representative indicated that this is their policy, and i indicated that i disagree as the Escrow money should not be commingle with principal payments. The representative review with their manager and approved the exeption. ( XXXX was the agent name ). 
On the second call XX/XX/XXXX, a place a tree way call including XXXX rep XXXX. The XXXX rep was unwilling to help me and hang up the call on us. 
Third call i requested to speak with Manager, XXXX ID XXXX, she indicated that first request was denied, which i was never told an approval was required, and that she will submit a second request. 
I have been contacted by XXXX that still Pay Off letter is pending an my refinance lock rate is expiring ... i really want this XXXX company to be reviewed as this seem to be a Consumer Predatory Practice. 

XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX P XXXX F 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 07-02-2017 about Debt collection (I do not know) with TrueAccord Corp. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On  XXXX   XXXX     2017 i recieved a email from TrueAccord. They state that  i owe a balance with  XXXX . The email was written in such a manner has to convince me that they will threaten me both physically and try to ruin my reputation. They stated they would use any means available to collect the money they say is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with CHARLESTON AREA MEDICAL CENTER (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2017 I sent a certified letter to the company asking for them to validate the alleged debt. Company did not respond, or send any proof of alleged debt. They still continue to report to the credit bureaus without validating alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently requested a copy of my credit report. I noticed false late payments on my account from Wells Fargo. XXXX in XXXX 2015 for a 60 day late payment and afew other 30 day late payments. And as much as Wells Fargo likes to call and send letters mysleff nor my cosigner never received notice of a delinquent account. I called to have these late payments resolved in the beginning of XXXX 2015. The man I spoke with admitted the 60 day late payment was put on my account by mistake. He said a letter would be sent out to notify it had been fixed. I never received a letter and when I called to check back they said my dispute was denied. I have my current bank records pulled ready to support my on time payments as well as the words of the customer service associate I spoke with confirming Wells Fargo indeed made a mistake on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Consumer Loan (Vehicle loan) with ZIONS BANCORPORATION (UT).
Issue: Problems when you are unable to pay

Complaint: I made payment arrangements with Zions bank to make payments on a repossessed vehicle. I then found out that Zions bank filed a XXXX to the IRS- Cancellation of debt, making the entire amount of the loan I was currently making payments on taxable as income. 
I tried multiple times to ask Zions bank to send an amended XXXX to the IRS and they refused and then ignored my request. I stopped making payments to Zions. 
Why should I make payments on a debt that Zions bank has claimed to the IRS as being forgiven and is now counted as my income. PLUS they refused to amend the XXXX? 
They have continued to try to collect and still have refused to file an amended XXXX ( cancelation of debt ) and have even garnished my wages. I now owe the IRS for the entire amount of the loan as income and the bank as unpaid debt. 
I am now forced to file bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation