milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: RE : Experian Reporting of XXXX XXXX XXXX XXXX XXXXThis letter is a formal complaint that Experian is reporting inaccurate credit information. 
I am very distressed that Experian have included the this information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either Experian or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a a personal line of credit to start a business, which was highly embarrassing and has negatively impacted my lifestyle. 

The attached letter was sent to Experian USPS Certified mail XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted all XXXX credit bureaus about my complaint about the numerous inquiries on my personal report. they have advised to write to each individual creditor and ask them to remove the inquiry. This is a task that a person who has a family or otherwise a livelihood can do. Even though I have submitted a request for a credit freeze this does not prevent inquiries from appearing on my credit report. I am requesting that after the credit bureaus review all of my complaints to the various creditors and understand the nature of the complaints they should remove these inquiries.

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 07/27/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was left a voice message on XXXX/XXXX/2016 stating that I had a court summons against me and that I was in danger of missing my court date. The message did not identify the person calling but said she was calling from XXXX and that the issuer was XXXX XXXX XXXX. 
I called back and was greeted by a man with the word, " Litigation. '' -as if his department was the " litigation '' department. He identified himself by name and said he represented XXXX XXXX. He told me that several warrants and court summons had been sent to me by mail and that I was being sued, that there were allegations against me including " fraudulent abuse of contract. '' He read an old credit card account number to me and said that I owed over {$1600.00} on said account, that plus the pending court judgement could cost me " up to {$4000.00}. '' I had a record of my debt and the last amount I had recorded on this account was about {$500.00}, not the amount this person was reporting. I told the man that I had not received any court summons in the mail and he acted suprised and said he " would be delivering the summons to me in person tomorrow '' and that I would have to appear in court. I began to feel suspicious at this point. 
He asked me if I was willing to settle this debt today for {$900.00} and I said yes, but I still felt suspicious so I told him I would have to call him 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 explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX/XXXX/XXXX Capital One Auto XXXX/XXXX/XXXX XXXX Card XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Transunion has refused to provide me with information about an Adverse Account concerning my daughter even though I provided a legally enforceable power of attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The original loan was with XXXX XXXX then XXXX XXXX XXXX purchased my load then sold it to XXXX then changed their name to Shellpoint. I have on many occasions asked that my loan be modified into a 30 year fixed they will not respond to my request. These loans were a horrible thing they did to consumers and I have tired many times in the XXXX years to get out of the ARM. My loan payment goes up every XXXX months the original amount was {$1200.00} a month has now increased to {$1400.00}. I can not continue this madness!!! I NEED HELP!!! I contacted my Congressman who suggested that I contact your company since my request have went unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Trans Union is reporting XXXX judgments on my credit file. They are not mine. I contacted the court and they do n't have any judgments for me. It has been over 45 days and Trans Union is just ignoring my dispute. This is ruining my life

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 07/15/2015 about Debt collection (Payday loan) with Brookshaw Management, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Calling family members threatening legal action and showing up at my house

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (UT).
Issue: Problems when you are unable to pay

Complaint: I filed a Chapter XXXX Bankruptcy and it was discharged in 2011. XXXX was included in it and they are still reporting on my credit with a balance. IT is affecting my credit and financing.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In the process of financing & purchaseing a used car, a salesman at the dealership ( XXXX XXXX XXXX XXXX in XXXX ) showed me a credit report which belonged to another individual. This report contained extremely sensitive and confidential identifying information and I should not have seen it.

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 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I tried to arrange payment and they would not accept them I had to pay I think almost {$500.00} which I did not have at the time and I was not able to fulfill that commitment and then last year they took my state tax which the amount did not go down at all so what do I need to do to settle this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I was charged XXXX overdraft fees in the amount of {$70.00} on XXXX/XXXX/17 for XXXX charges which I had enough funds in the account to cover those charges. When I called today to get credit, the Supervisor said no..

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 01/19/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Syndicated Office Systems that has my signature forged on it. The letter presumably is suppose to be from myself to the company. The letter origin is from XXXX Pa when I live in XXXX Pa. I have never heard of this company nor have I ever been contacted by them prior to seeing this letter. I want to know what steps can I take to investigate and prosecute this to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made my regular payment to my XXXX Mortgage Lender Nationstar on XXXX XXXX, XXXX, in the amount of {$690.00} ( Regular monthly due ) + {$9.00} ( Transaction Fee ) + {$100.00} extra towards additional principal. Instead of posting my {$100.00} towards towards Principal, Nationstar posted {$100.00} towards some type of fee. They are stealing my money. They already stole over {$500.00} in the past in the name of interest that was not part of my payment agreement that I made with Nastionstar XX/XX/XXXX. I do n't know where and how to fight back against Nationstar stealing my money and others. Please feel free to contact me any time at XXXX. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 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: Information belongs to someone else

Complaint: This is account for XXXX XXXX XXXX XXXX is not my account I notified XXXX XXXX on this but they refuse to delete it. Amount XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Someone called my bank ( USAA ) and tried to access my wife 's account and failed. 
She was never notified of a failed attempt to access her account via phone. 
They eventually succeeded after multiple attempts and were able to change her withdrawal limit, contact phone number, and online password. My wife was only notified of the password change after the fact. 
They were then able to access XXXX accounts and empty all of them, totaling over {$4000.00}. 
I have searched USAA 's member community forum and see this happening way too frequently with USAA accounts recently. I find it very hard to believe that USAA is not notifying members of this fraudulent activity or tightening up phone security and adding extra verification due to this scam. 
We are now on day XXXX of accounts being frozen and funds not replaced. We have requested, via phone and in writing, replacement debit cards, new accounts, and the funds replaced. We have had no contact from USAA. When I called, they claim it is still being " investigated ''. 
They know what I know, because I learned it from them : They granted access to our bank accounts to a third party, who then cleaned the accounts out. The only mistake we made was trusting USAA. Yet, we still have no access to funds we need for bills and food. 
The level of ineptitude, complacency, complicity, or some combination of the XXXX, is frightening here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (SC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Opened a Military Star card in early XXXX. Lost my job XX/XX/XXXX could no longer make payments by early XXXX. Company was charging 2 % interest on uniforms and 12 % interest on all other purchases. Company charged-off balance of {$6600.00} in XX/XX/XXXX. Last charge/usage was XX/XX/XXXX. Account turned over to a collection agency XX/XX/XXXX, XXXX XXXX XXXX. Star card added collection costs to the balance and has continued to accrue interest, now at a much higher rate, since charging it off. I was out of work for 18 months and could n't make payments. In XX/XX/XXXX, I made a payment of {$100.00}. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they confiscated my Federal income tax refunds of {$540.00}, {$150.00} and {$230.00} respectively. I had an attorney make a request in XX/XX/XXXX for a copy of my original contract. Last week I received documents from them that were incomplete and would not be considered " the contract ''. My attorney says she has not been provided enough information by them to know my standing on this matter. She has found the " Military Exchange '' ( Military Star Card ), to be generally unresponsive. She sent a request to settle on XX/XX/XXXX, in the amount of {$6000.00}, which she still has not received a response. I believe that the interest that is being charged ( accrued ) is not legally permissible. They now claim that as of XX/XX/XXXX, I owe {$10000.00}. There is a three year statute of limitations for this type of debt. This limitation expires XX/XX/XXXX. They claim that I made a voluntary payment in XX/XX/XXXX. I did not. They confiscated my Federal income tax refund.

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 08-06-2016 about Debt collection (Credit card) with Andreu, Palma & Andreu, PL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A joint credit card that my ex husband and I had was sent to a collection agency. I agreed to pay them starting 2009. My ex husband filed bankruptcy but I did not. This credit card was discharged in his bankruptcy case. The collection agency stopped taking payments out of my bank account at that point. Now a new attorney office/collection agency is coming after me for the balance even though it was listed in bankruptcy and paid through my ex husband 's bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (I do not know) with Collection Bureau of America Ltd. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This complaint is regarding an inaccuracy on my credit report. I have sent Collection Bureau of A ( 2 ) certified letters requesting viable evidence bearing my signature that I owe this debt. They have ignored my request and failed to respond. They have also violated federal law, by not properly investigating my complaint with in the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. They have also failed to mark my credit report that this debt is being disputed by consumer which is another violation of the Federal Law. I believe they have acted in bad faith, and have not complied with the FTC ( see 15 USC 41, et seq. ),.

Company response to consumer: Closed
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Using a debit or ATM card

Complaint: Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
Regards, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX, my son was being treated for XXXX. I called the mortgage company, Planet Home Lending, and advised them that it would be difficult to make a payment because my son was sick. I asked the mortgage company if they offered any kind of service that allowed me to make a reduced payment that month. 

They told me that I should not worry about anything, because I could simply make a double payment the next month and everything would be ok. The next month, when I attempted to make a double payment, they told me that they were no longer accepting my payments because they had placed me in foreclosure. 

When I advised them that someone told me to simply make a double payment, they told me that they would no longer accept my money, and that instead I should apply for a loan modification. 

They sent me the paper work, but everytime I submitted it they returned it to me saying that documents I had already submitted were missing. In the meantime, I was served with foreclosure paperwork. 

When I called Planet Home Lending to inquire about the foreclosure lawsuit, they told me it was nothing to worry about. Planet Home Lending said it was all taken care of for me and that I should not attend court because there would be no foreclosure. 

I continued to attempt to make mortgage payments and to finalize the loan modifications, but Planet Home Lending refused to work with me. On Thursday, XXXX XXXX, the mortgage servicer foreclosed on me and set a sale date for XXXX XXXX, XXXX. 

This is a XXXX loan. The servicer refused to work with me. They purposefully lied to me. They told me to not attend court. They refuse to handle my loan modification properly. I have sick child, and I can afford my mortgage, yet they are refusing to work with me and are attempting to sell my house.

Company response to consumer: Closed
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I contacted my credit card company to report fraudulent activity on my XXXX credit card. Two transactions on XX/XX/2017 posted and should be reversed due to fraudulent activity. Yesterday Bank of America closed the case and has refused to reverse the unauthorized transactions : Transaction date : XXXX  Posting date : XX/XX/17 Merchant : XXXX | Location :  XXXX NJ | Amount : {$230.00} Merchant : XXXX | Location : XXXX NJ | Amount : {$12.00}

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 04/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a fraudulent charge that American Express has yet to take off. It is from XXXX XXXX XXXX for {$8100.00}. This charge is not mine. I will NOT pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with The CFM Group (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called from an unknown number and was told they were a " Legal processing center, '' and there was concern about a legal case I was involved in. I asked for the name of the legal processing center and they led me to believe it was a governmental organization. The person speaking said his name was  XXXX   XXXX . He gave me a case number and the name of "  CFM   XXXX   XXXX  , ''  with a phone number. I called the phone number,  XXXX  "  XXXX   XXXX  '' answered the phone and was speaking in cryptic language about my " case '' which had a " red flag '' attached to it. I asked if it was an attempt to collect, and he said " collect what sir? '' I said, " Is this a collections call? '' and he said " NO, THIS IS N'T A COLLECTIONS AGENCY. '' I was led to believe there was a legal issue that I had to address because they blatantly lied to me. Knowing tha t collectors are not supposed to implement tactics like this, I did not believe they were collectors and therefore did  not supply them with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX 2017 I was contacted by Lj Ross And Associates about a debt for {$620.00}, that was previously closed by XXXX via a prior CFPB complaint. ( See Case number : XXXX ).

Company response to consumer: Closed with explanation