milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hello, My name is XXXX XXXX XXXX, a victim of fraud that was done on XXXX XXXX and XXXX XXXX 2015. As someone got my " social security and fake id also have other personal information '' and has tried to open an XXXX account and also a XXXX account first on the internet and then XXXX also along with in activity as they had purchased XXXX XXXX phones I phone XXXX plus cash from the customer service representative Along with opening XXXX lines in while opening the account under my name and information, lacking enough information leading back to me. Alone with providing false fraud information! Has currently been shut down a email was sent to you regarding this from XXXX and fax with all my personal information was sent to equifax if you could forward all this information to all credit bereus it would be greatly appeciated. You will also get a response back on the paperwork in a couple of days as i plan to send it by the end of this week. I have sent over police report and have contacted avon police and sterling heights and also have not yet heard response back from avon police as it is still under investigation in XXXX Indiana. Please feel free to contact them or me at anytime. 
Please leave a message if i do n't answer. I am not answering unknown numbers, so i ill get back to you. : ) thank you. 
Tell me what is the next plan in action to pursue more into taking care of these active accounts. 

Again, please contact credit bureau also i also have contact all the ( 3 credit bereaus ) and to take care of the credit scores etc. Also have followed the instructions of the fraud information that the police had given me to follow through in the process of being a identity theft victim and have done fraud alerts as well if you can further take action in providing me safe and security in my personal information. 
Please look into asap. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is refusing to investigate my identity theft claim. I want Experian to investigate my identity theft claim immediately. I am a victim of identity theft and filed a police and identity theft report with XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education and 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 non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not know what what these bad accounts are. I have not had credit with XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with USCB Corporation (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX, USCB Corporation placed an item on my credit report on the behalf of XXXX College. After multiple disputes, On XX/XX/XXXX, XXXX deleted the debt from USCB Corporation from my credit report, due fraudulence and USCB Corporations failure to verify the debt. On XX/XX/XXXX, I received a letter and yet another itemized invoice that does not included my signature or an original contract from USCB Corporation that states that on XX/XX/XXXX, they will place the item back on my credit report. Despite already being founded as a fraudulent charge, USCB Corporation continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX NAVIENT ACCT # XXXX Exactly what you found with XXXX/ Navient in the press release happened to me. I was recommended to refinance in XX/XX/XXXX and XX/XX/XXXX, which I did. Also, with economic hardship, I was unable to make full payments, so the representative directed me which form I needed to fill out and submit so my loan would not go into default. I was told to pay what I am able to. There were no options given, just " this is what you need to do. '' and I follow their instructions. My XXXX XXXX School Loans were disbursed from XX/XX/XXXX-XX/XX/XXXX for XXXX totaling {$160000.00}. 
{$230000.00} TOTAL payments XX/XX/XXXX-XX/XX/XXXX ( current date ) {$200000.00} is my current balance. Mind boggling!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Monday  XXXX , I went to  XXXX  in  XXXX , California to purchase a replacement  XXXX . Because we were unable to access the system with my  4-digit p asscode, I telephoned "  XXXX  '' for assistance. The  XXXX  service person attempted to sell me the  XXXX   XXXX   service and of fered {$300.00} credit. I said no thank you ( as I already have   XXXX   XXXX   ) .. Upon hearing the 'no thank you ' response, I was informed by the service person that she could not assist with the passcode.     On Tuesday, I received a  XXXX  notification of a credit inquiry by  XXXX   XXXX . This credit inquiry, to verify my credit worthiness for  XXXX   XXXX , was not requested and it was not authorized. Because credit inquiries have an adverse impact on credit scores, each and every inquiry should be authorized by the individual consumer. NO company should have the privilege of impacting someone 's credit score without clear authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the bureaus and consumables about these accounts on several acaccusation to apply to remove this accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: JH Portfolio Debt Equity  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  XXXX  e-mails and letters to the company including the company CEO explaining the debts are not owed.  XXXX   XXXX  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  JH Portfolio  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on   XXXX   XXXX   XXXX     against  JH Portfolio.      The companies response was they would validate the account. JH has failed to provide any type of validation, nor has sent any notice that a debt is owed to JH. JH responded to the complaint on   XXXX   XXXX   XXXX    , and  XXXX  days have now passed without any type of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Payday loan () with Acceptance Solutions Group, INC (OH).
Issue: Can't stop charges to bank account

Complaint: I have more than one issue regarding this company. I changed my account information and the company decided to remove payment from the previous account after I told them not to. The lender charged my account for the wrong amount and on the wrong day. The lender also did not credit a payment they withdrew. The company is insincere and hard to work with. I have spoken with XXXX ext. XXXX, XXXX XXXX, as well as the manager XXXX. I have sent emails to rectify the debt and they have not returned any. They continue to withdraw money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Financial Data Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown medical charge, I have disputed with no validation being received. Please help

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 02/27/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: According to Ocwen rep. XXXX ID # XXXX the application for a loan modification was denied on XX/XX/2018. When asked why the louan was declined she could not provide an explanation. We asked if the loan was in foreclosure and she replied no. However the borrower received a notice of default from the law firm of XXXX XXXX XXXX dated XX/XX/XXXX. We believe that Ocwen continues to violate provisions of the CFPB regulations regarding servicing by dual tracking and providing misinformation regarding borrowers status.

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 05/28/2015 about Debt collection (Federal student loan) with Credit Adjustments Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Dealing with communication tactics and improper contact to third parties ( family and relatives ). He has gotten ahold of me multiple times and knows the number to reach me at, but continues to call my husband ( multiple times ) my husbands father, my mother, my brother and possibly others ( these are the only ones who have reported getting a strange call from " XXXX XXXX at CAI trying to reach XXXX XXXX, please have her give me a call back. '' in voicemail. Of course family has googled CAI and his name and found it to be debt collection- which I find in direct violation of FDCPA and my rights. His harrassment continues and when I tried to reach him by phone have been told he is " on a conference call '' and will call me back- so phone calls are always on his terms. He wants me to consolidate this privately held student loan into my federal student loans ( Which I was told not to do due to interest rates skyrocketing ). I explained all of this to him and he continues harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I had a commercial account that was only had check for purchases. someone at Chase bank allowed someone to get a Debit Card on my company 's account without authorization and stole a lot of money. Since I have other businesses I did not know that money of this magnitude because I was receiving update on my account on the internet, but that stopped and the address was changed for my statements to the business address. I believe that since someone in the bank help whoever was assisting the theft they will not take care of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened unnecessary accounts in my name and I believe it impacted my credit score resulting in a higher interest rate on a new mortgage as well as twice refinancing a different mortgage with them. As a result, I am paying more on my mortgage than I would have paid with the higher Credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: We were baited by Ditech Mortgage company. We were told it would take no time our credit was good. We were never told that we must have a XXXX dollars in the bank for a refi. Instead we put out the money for appraisal XXXX. We are an elderly couple we explained that and never led them to believe we had extra cash in our accounts. Then we were told our appraisal had to be wrong because we purchase the house in XXXX of 2014 and in XXXX we were looking for a refi. We updated the house ripping out the kitchen putting in granite counter tops and new appliances. The appraisal came in XXXX higher then what we paid for the house. So Ditech was unhappy with that finally our appraiser wrote to them and explained. Then they demanded XXXX successive bank statements to prove we had one months mortgage payment. This began a nightmare for us. We used our savings and even made a late house payment to please them. The worse thing is they told us they saw we had not paid our mortgage thus rendering us unable to get a refi. IF in the beginning we had seen the FHA requirements or if Ditech had instructed us upfront we would have NEVER gone with them. Now we out of XXXX dollars and out of our mortgage which our lender is most helpful and understood what happened. We will clear this up by a double payment. In the meantime we have no money for this month groceries. Thanks to Ditech who owes us the appraisal money.

Company response to consumer: Closed
Consumer complaint received 08/19/2017 about Payday loan, title loan, or personal loan (Title loan) with BATON ROUGE FINANCIAL SERVICES, L.L.C. (LA).
Issue: Charged fees or interest you didn't expect

Complaint: First, I recieved a title loan from Baton Rouge Financial XXXX in XXXX XXXX, La. The first title loan was XXXX in which, BR financial held the title in case I did n't come and pay it off, they  would come and reposse it.So I paid it down from XXXX to XXXX. Then went an financed anothe title loan for XXXX and thats when BR finacial after paying until XXXX. Baton Rouge Financial ask me about refinacing I thougt the payments was gon na be cheaper but my total title loan went up to XXXX. I told them several times come get the vehicle.They said they they did not want it. The vehicle was in good shape. so I started making payments again but this time out of my account.As of XXXX XXXX was my last payment that was drowned out my account. The was not subtracting the difference nor reporting it to the three crediting bureau, on time every month. Now they want me to pay XXXX which is wrong all the way around. The lady XXXX XXXX came out to my house threatening me and sent emails. They still has the title. Nothing is accurate with the information. I wish that BR financial please delete and or remove this from/off all three credit bureau.It is misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company " Dynamic Recovery Sollutions, LLC '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (CA).
Issue: Using a debit or ATM card

Complaint: I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: During the refinance process in switching from Wells Fargo to XXXX the lien release was not properly submitted or recorded by XXXX County, PA. We are just now finding out that the satisfaction from Wells Fargo for their mortgage in the amount of {$160000.00} consummated in XX/XX/2004 ( and that is the satisfaction that is missing from the Pennsylvania database ) was never completed. I am trying to re-finance my house through XXXX and am unable to do so as their is a lien on the property. I have never received any sort of documentation over the past 13 years regarding this loan and as anyone would, I assumed that Wells Fargo completed all of the required documents. 
Additionally, I am a little surprised that the the XX/XX/2004 mortgage was recorded ( generally the lien placement would be rejected based on there already being a recorded lien on the property. That said, the proceeds from the XXXX company transaction must have arrived to Wells Fargo, the lien was just not properly released ( otherwise you would have heard about this way before now ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a collection account that has been placed on my credit report that I have been disputing for over 5 months to get this entry removed. I have spoken with numerous representatives, supervisors, and numerous managers in regards to this erroneous collection and I have yet to get it resolved. I have sent numerous disputes in which I am currently waiting on results. I called and spoke to a representative and inquired how Equifax verifies collection accounts. I want to know this because the account keep coming back verified as mine. I asked the representative to please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the collection account. The representative stated he does not have to disclose how he verifies my collection. I have sent numerous Debt validation letters to the collection Agency, and letters to Equifax certified and return receipt and I have not received a response. Here are some recent letters I have sent to both the collection agency and Equifax. This information was also shared illegally through a ( third party ) without my informed consent

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Back in XX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report in 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 non-monetary relief
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Recently I complained about XXXX XXXX XXXX wrongly reporting an issue that has been solved years ago, so I contacted this office, after the investigation XXXX XXXX corrected my credit information, thus my credit score, Equifax did the same, but few days latter Equifax went back to the old numbers, saying that they are still investigating.My question is, if XXXX XXXX accepted my explanation and their investigation proved that I was right, how come Equifax is not accepting the same explanation, more over, correcting my score then rolling back again.Please help. Thank you.PS. I do n't know how to attach documents, such as letter from XXXX XXXX, unless I can mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection on my XXXX credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. XXXX  still shows it. I contacted XXXX and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and XXXX that can only accept disputes and their investigation comes back wrong. I am frustrated.

Company response to consumer: Closed with non-monetary relief