milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I XXXX  XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM XXXX XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS XXXX AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH XXXX XXXX XXXX HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF AMERICA. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH HONORABLE DISCHARGES AND HAVE DOD IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I XXXX  BECAUSE OF XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX THAT XXXX  TOP XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM XXXX IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN XXXX XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN XXXX PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES DONALD TRUMP SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX XXXX TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

GOD BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.

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 05-01-2017 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: My ex-husband,  XXXX   XXXX , and I had a joint bank account in  XXXX  with  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas. This account was overdrawn by {$290.00} and was never paid by my ex-husband, even though he was ordered to in our divorce.  XXXX   XXXX   XXXX   XXXX  then charged off this balance. I filed for divorce in  XXXX   XXXX  and it was finalized in   XXXX   XXXX  . In   XXXX   XXXX  , I filed for Chapter  XXXX  Bankruptcy and it was discharged in   XXXX   XXXX   This  XXXX   XXXX   XXXX   XXXX  account was included in my Chapter  XXXX  Bankruptcy and was discharged. I reviewed my credit reports soon after and noticed that Equifax was still reporting this account as an open charged off account. I have contacted Equifax many, many times about this and each time I dispute this item to have it reporting correctly as " Included in Chapter  XXXX  Bankruptcy '', they will not fix it because they say  XXXX   XXXX   XXXX   XXXX  is confirming that I still owe that debt and it is an open matter. I have sent numerous letters to the credit union and numerous emails and have never, ever received even  one  response. I even sent them the bankruptcy paperwork showing that their debt was discharged. They provided no correction to Equifax and no response to me. I want them to immediately either remove this listing completely from my credit report or update the listing as they are legally obligated to do. I am fully able and willing to obtain legal representation and pursue litigation if they continue to violate my rights and protections under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: in regards to what is going on i have a collection account with Kimball trey & ST John due to an unlawful detainer through the XXXX courts. they claim that i owe them XXXX when the documents that i retrieved from the XXXX county courts say that i owe XXXX in which i have contacted them twice and offered to pay them the XXXX and they refuse to except saying that the XXXX was attorneys fees.and the Memorandum clearly states that the attorneys fees our only XXXX i sent them a copy of the paper work and i told them they where giving false statements to the credit bureau. i did disput the claim and the credit bureau said do an investigation and this was the next step that i am taking .what ever help i can get it is very much appreciated .Thank you in advance Sincerliy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (I do not know) with Nationwide Credit Corporation (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For more than three months, I 've been receiving almost daily phone calls from a debt collection agency. I never answer their calls and the company never leaves a message. I have no outstanding debt. 

The caller-id sometimes shows the company name as NCC Business Services and sometimes as XXXX XXXX XXXX For NCC Business Services XXXX the calls originate from ( XXXX ) XXXX and ( XXXX ) XXXX. For XXXX XXXX XXXX, the calls originate from XXXX XXXX XXXX XXXX. 

My complaint expresses the same situation as the complaint against XXXX XXXX submitted to your agency on XXXX/XXXX/XXXX. In addition to never leaving messages, the company has never contacted me through the mail or in any other way. They just appear to be phishing for information. 

Others who have received calls from this debt collection company report requests for private information such as social security number, claims of grossly inflated amounts owed, threats for non-payment, and many, many cases of mistaken identity. 

Back in XXXX, I received repeated calls from the same company over a period of weeks. Upon finally talking to a company rep, it was clearly established that the real debtor was someone else with my name. The rep said that the calls would stop, and they did for a period of several weeks, but then resumed. It required the intervention of the Maryland XXXX office to get the calls stopped permanently. 

Because of my previous experience and the experience of others, I refuse to have any contact with this company and would like these annoying, harassing calls stopped.

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 12/21/2016 about Debt collection (I do not know) with National Principal Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: National Principal Group has contacted family members more than once, although they have admitted to me on a " recorded call '' ( their words ) that they can only call a family member once. They have contacted them in order to try and get me to pay for a single loan that I supposedly took out XX/XX/XXXX from XXXX XXXX XXXX. I said that is n't possible because I have n't taken any loans XX/XX/XXXX. They said it 's likely a payday loan. I asked for them to send the verification of debt to me so I could look at it myself, and they said they only have the name of the original creditor, no other information such as loan documents to prove that I took a debt for anything. XXXX XXXX XXXX is not on my credit report as a debt that I 've ever received. Today ( XX/XX/XXXX ) I received the documents of the supposed debt that I owe, except they 've included XXXX other debts that they did not mention in the phone call on XX/XX/XXXX. Very strange. They also sent these via email and not via mail. So far I 've received no original documents explaining the loan that I took out, and the " original amount '' on the document they sent is different than what they told me over the phone. Luckily their phone calls are " recorded for quality '' as they told me. Another interesting tidbit is they claim that they can call my family members and friends as much as they want if I do n't pay the debt and my family does n't issue a cease and desist letter. This is actually a violation of the law as well, one relative has both of their voice mails from consecutive days, and again luckily National Principal Group records these calls for " quality ''. One call to a family member is all that they are allowed, and within two days they 've called the same person twice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has attempted to collect a debt that is not valid. I changed cell services from XXXX to XXXX. The final bill and Early Termination Fees were to be paid by XXXX but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was misguided by a Navient account representative on repayment options for my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In early XX/XX/XXXX, I disputed this account via XX/XX/XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.

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 08/18/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Ocwen Loan Servicing canceled my insurance. I was on a XXXX way call with Ocwen ( XXXX ) and my insurance company, XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. A payment was arranged and Ocwen assured me they were overnight the payment. I did not hear anything more until XXXX of this year. I received a noticed from Ocwen that they were placing force place insurance on my property because I did not have insurance. I called numerous times because I have money in my escrow to cover the insurance. I finally found out Ocwen never sent my payment in XXXX or XXXX. I was never notified by either company that the payment was never paid or received. I also spoke to XXXX, senior underwriter of XXXX XXXX. I explain the situation to them and asked why they did not notify me that it was canceled for non-payment. She was very rude and would not help me at all. I lost my {$250.00} deductible and my renewal discount that I had since XXXX. She wanted to sell me a new policy with a higher rate and higher deductible. I asked why I was never notified and what happened with the payment and she told me XXXX no longer works there. I asked to speak to XXXX XXXX the owner. I spoke to him once and he was suppose to get back to me but he never did. I have called numerous times after but every time I ask for him, they transfer me to XXXX. 

I also have numerous calls to Ocwen. I have spoken to several supervisor regarding this and no one can fix it. As of XXXX XXXX, my insurance will be canceled again if I do n't pay the higher price. I have been paying my mortgage on time for years. I do n't understand how this can happen and how they can just raise my payments ( to cover the escrow shortage due to the more expensive homeowners policy ). This is not a way to do business. I am a hard working XXXX person trying to keep my mortgage current. I should have never lost my insurance and my payment should not have gone up over {$150.00} a month. What are my resources to get this corrected? What are my opinions? Do I have to sue?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I noticed back in XX/XX/XXXX, that Trident Asset Management was on my credit reports for a debt in the amount of {$770.00} for a XXXX account. 

I sent them a debt validation letter along with my FTC Identity Theft report along with court papers for an ongoing Identity theft case. They insist on sending me copies of a final bill as a form validation and completely ignoring the evidence I presented to them to substantiate my claim that this debt was opened fraudulently using my information. 

They 're still reporting on my credit reports after the debt validation letter was sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XXXX I bought a salad in the cafeteria of the hospital my mother was brought to when she had a XXXX XXXX. The cashier told me she accidentally charged me {$41000.00} for the {$11.00} salad. I immediately called Chase and told them. They assured me the charge did not go through, that it could n't have gone through anyway because I only have a {$9000.00} limit and that I would definitely get a phone call if an amount that large was being charged as it would trigger the fraud department. On X/XX/17 I logged into my account to see that the {$41000.00} WAS in fact charged and no one from the fraud department notified me. I called Chase and was told that they would need to investigate the dispute since it was such a large amount. They told me that I should call XXXX hospital to resolve it. I have called XXXX multiple times and they agree it was not a correct charge however they are waiting for their bank to get back to them. In the meantime all of my automatically charged bills are getting rejected. When I asked Chase why they allowed this charge to go through they said that they allow purchases to go through to prevent the person charging from " getting embarrassed ''. So now I am being held financially hostage because they let a hospital cafe charge me four and a half times my credit limit for a salad. Can you please help me get this resolved? This is causeing huge issues for me while I 'm also trying to take care of my mom while she is having XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Deposits and withdrawals

Complaint: On Wednesday XX/XX/XXXX, XXXX XXXX mis-charged my account {$440.00}. They were willing to help but explained the refund would take 7-10 business days to show on my account. They advised me to call my bank so they could expedite the process. Called BOA and waited for a rep for 47 minutes before an answer by the claims department. This employee told me there was nothing she could do for my account at the time. After going back and forth for 15 minutes, she transferred me to customer service. I explained my story to the CS rep who, once I finished, full-bellied LAUGHED at me. Said he did n't know why I would have been transferred to him. He sought out a supervisor who said she would call XXXX on my behalf and call me back. She never returned my call. On Thursday, XX/XX/XXXX, I called BOA again and spoke with a XXXX in CS. After 14 minutes on hold waiting for an answer, she was able to add a temporary " memo credit '' to my account. On Saturday, XX/XX/XXXX, the " memo credit '' expired but I was not notified this would occur and received an e-mail on Sunday XX/XX/XXXX that my account balance fell below {$25.00}. Called BOA again, waited on hold about XXXX minutes before speaking with a CS rep who told me she could n't help me and would need to transfer me to claims. After about 40 minutes on the phone with claims, they forced me to open a claim when all I wanted was for someone to put another credit on my account until XXXX finished their refund. Claims rep told me to check my account Monday XX/XX/XXXX for the claims credit. Come Monday XX/XX/XXXX there is still no credit on my account from BOA or XXXX. I call BOA AGAIN. 47 minutes waiting for an answer and an hour on the phone with a CS rep I finally get a supervisor named XXXX who puts another memo credit on my account and assures me she will keep on an eye on my account until everything is righted. On Tuesday, XXXX, XXXX 's refund and the claims credit posts to my account. I now have XXXX credits on my account. Wednesday XX/XX/XXXX the second memo credit expires. On Thursday, XX/XX/XXXX the claims credit is removed from my account and now I only have the refund from XXXX, which is all that should be there. Thursday XX/XX/XXXX, BOA has deducted ANOTHER {$480.00} from my account. I spent 2 hours and 37 minutes on the phone with a claims rep and a claims account manager who both insist that this is my fault and everything on their end is correct. I was meticulous in keeping records on my account during this entire process and am 100 % sure that BOA has taken an extra {$480.00} from account that they refuse to give back.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!

Company response to consumer: Closed with explanation