milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with ERC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: I just looked at my credit report and was shocked to see the numerous amounts of errors Experian have listed. I am filing a complaint to have remove them immediately. Experian Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Consumer Loan (Vehicle loan) with BANK OF THE WEST (MO).
Issue: Managing the loan or lease

Complaint: The Bank of the West has the loan for my XXXX Dodge Challenger Rt. I sold it to a buyer from XXXX. The buyer sent a cashiers check to this bank in the amount of {$22000.00}. I owed approx. XXXX so the bank was to issue me a check for the difference. I called them to tell them the check would be coming and that I would not release the car until I received my part of the money. XXXX ( Manager ) stated that when I called the automated system and it stated the loan status as XXXX it would be ok to release the car to the buyer. On XXXX XXXX I called the system and my loan had a XXXX balance. On XXXX XXXX, 2015 I let the buyer have a tow company pick up the car, thinking I would be receiving my money soon. On XXXX XXXX, 2015 I had not received my check so I called The Bank of the West only to find out the cashier 's check they received was fraudulent as of XXXX XXXX, 2015. They did not notified me by phone or mail that my loan was still going to be due. They should not XXXX the loan out until 10 days or so have passed and the cashier 's check is cleared. I was paid ahead XXXX months so the payment is going to be due on XXXX XXXX, 2015. I refuse to pay them because it is their fault my car was stolen by deceit. I was trusting them to protect me. On XXXX XXXX, 2015 XXXX ( Manager ) called me and admitted that he told me it was ok to release the car when the automated system showed XXXX due and that he was sorry. He said he told me that as a courtesy. All these calls to The Bank of The West are recorded and I sent them the date and times of these conversations so they could review them, so they do have them on file. 
I hope you can help me in some way. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX    a request for my credit was made by   XXXX   XXXX   XXXX  . This is an inquiry on my credit report that needs to be removed.

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 08/23/2017 about Debt collection (Payday loan debt) with ROC Asset Solutions, LLC (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: The company has only called me once. They repeatedly contact family members to the point of harassment. They are asking family members to provide information to them after already being told to stop calling them.They have threaten to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, XXXX and TransUnion ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and TransUnion on XX/XX/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 11-10-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I have a care loan through Santander from 2013. I applied and was granted XXXX extensions on the account. However, they did not honor the extensions and reported that I was late. Since, I have appeared to be at least 60 days late! I have done a dispute via credit bureaus. I sent in the copies of the extensions and Santander " fixed '' a couple of months. Only to report badly and inaccurately again. After speaking to someone, countless times, I finally got a representative who told me that they only offer a certain amount of extensions. I informed this person that I DID NOT have that many extensions and her response was, " well, we count two at a time. '' I have tried to trade in the care hoping that leaving the company would help but since they are reporting that I am late, NO company will finance me. The end result of this was some concierge service selling my information to people and they kept doing hard inquiries for the care which damaged my credit score as well. I am financially responsible, as my credit cards and personal loans show my payment history is current. I need help and I have no idea what else to do. I have hired a law firm to help with this manner and they helped during the " dispute '' process that I mentioned earlier but the ill reporting started again. I am afraid to even make a payments as she told me once I make a payment, it will still show that I owe 2 months. The reps ' idea to remedying the problem was to make 1.5 payments each time. This ca n't be accurate. Each rep tells me something different. My car has been " assigned '' to repossession several times. These " people '' lurk and knock on my door threating to take my car at all times of the night. My car was even taken from a parking lot when the car was up to date. I hate to pat $ 100+ to get my car from an AUCTION. The second problem is that the amount on the car has not changed/does not indicate payments since I purchased the care 3 years ago!! It still shows {$13000.00} since day 1 of the loan. Please help me! I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has exhibited unacceptable negligence in collecting my personal credit information, allowing access to my credit information and securing that information from mis-use. Equifax collected critical information without my express consent then through inadequate security measures enabled that information to become accessible to others without my express consent. I believe I have the right to deny them access to, storage of and distribution of all information about me because of this breach. Their site does not allow me to demand the deletion of my personal information from their databases or allow me to expressly deny them future access to anything related to my personal or credit-related information. I demand all personal and credit-related information be deleted from their access now and forever, immediately and without further debate.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is purposefully changing my credit report, which I will attach. This is illegay and nefarious and they should be fined.

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 02-02-2017 about Credit reporting () with SYNCHRONY FINANCIAL (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The complaint that I have is with SYNCB/DKS. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/DKS. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you 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 11/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXXAmerican Express GoldDeceased Account Resolution TeamXXXXfax : XXXXphone : XXXXRe : Notification of Death - XXXX XXXX XXXXDear American Express : This letter is written to request after monthly phone calls since XX/XX/XXXX have failed to advance my request, please convert my husbands account back into his name. 

My husband died on XX/XX/XXXX, minutes before midnight, in essence XXXX. Less than 48-hours following XXXX death I was contacted by American Express and the representative asked for XXXX, his payment that month was late. 
I notified the representative of XXXX death. 
Let me be clear, I was under extreme duress and not represented by council. I was made to feel I was obligated to take over this account by XXXX-specific issues. 
I asked the representative on that day these questions? 

1 ) " Did I apply for this line of credit? I explained that I was an authorized user and I had no memory of applying for this line of credit. the representative placed me on a brief hold, when she returned to the phone she stated : " You both applied for the credit card. " 2 ) " Am I responsible for this credit card? I thought I was an authorized user only? '' The representative replied " yes. " Deceased 's Full Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX XXXX, XXXXSocial Security Number : XXXXDate of Birth : XX/XX/XXXXAccount Number : XXXXTo be clear, I have met with Legal Council since in my opinion you are posturing in a manor which demonstrates you are impeding progress. Since inaction is your only action, I am notifying you may sue the estate of your relative or a person legally responsible to pay the debt. However, I have no obligation to pay debts I do not owe. 

Please contact me by email XXXXXXXXXXXX about any questions regarding this account. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CONVERGENT OUTSOURCING is showing on XXXX  and XXXX credit report falsely as ofXX/XX/XXXX, date opened XX/XX/XXXX, account balance {$420.00}, last reportedXX/XX/XXXX. ALL INFORMATION PROVIDED IS FALSE!

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 02-03-2017 about Debt collection (I do not know) with Global Payments Check Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt was not verified. There is no a contract with my signature. This is also a possible duplicate 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 06-09-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within XXXX days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " XXXX to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be XXXX days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Money transfers (Domestic (US) money transfer) with U.S. BANCORP (CA).
Issue: Other transaction issues

Complaint: My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated XXXX/XXXX/2015. I cashed this check at my Bank ( XXXX XXXX XXXX ) on XXXX XXXX. On XXXX XXXX or XXXX - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a " stop check payment '' on the check. My bank reversed the transaction and said that I owe them {$300.00} because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a " check '' - but that such payments are actually defined as " Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by XXXX XXXX XXXX for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a inquiry on my transunion form XXXX card on XX/XX/XXXX on my credit report I XXXX XXXX did not apply for never and I would like it removed form my credit report I have written letters to transunion and XXXX card on XX/XX/XXXX an I have never got any response from either company I call them transunion tells me to call XXXX card and XXXX card tells me to call transunion neither is a help of resolving this matter or letting me no where it came from so I decided to ask yall for help resolving this matter because I am getting no where I have also attached the letters I wrote to XXXX and transunion thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX/XX/XX/XXXX the following inquiries were removed from my Transunion credit report. On or around XX/XX/XXXX, these inquiries were re-added without my being notified in writing per the FCRA Section 611. I would like to have these inquiries removed. 
XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I attempted to resolve this directly with Transunion to no avail.

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 01/27/2016 about Payday loan () with CNG FINANCIAL CORPORATION (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I received a call from a XXXX XXXX who works for XXXX XXXX XXXX but pretentious to be a police officer. He first contacted my sister in law threathening to lock her up if she did n't pay him XXXX dollars within one hour. She intern called me. And gave me a phone number for him XXXX. I called him and he wastalking about coming to arrest me and my sister in law if I did n't pay him XXXX within one hour. He was very rude and threatening me with cursing and coming to lock my a up. I also was called from his office by a female who just impose as a court clerk. The phone number she used was XXXX which appeared to be a XXXX bogus phone #. I was threathen by XXXX XXXX and his associates which I an XXXX and have health issues that caused me to have a XXXX XXXX. And they caused my sister in law XXXX XXXX XXXX. Something needs to be done about this. A friend of mines paid XXXX to this company because of his threats. And in personinating an police officer is a crime as well as communicating threats. Please get this man and his associates. His phone number is XXXX. Help my name is XXXX XXXX my email address is XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). 
Dear XXXX, How long do you think this outdoor set will last under normal conditions? 

Thank you. 

- XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. 

- XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. 
XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. 
Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation