milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 07/14/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please refer to case # XXXX with regards to a brief history and enclosed documents

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The debt belongs to my son, he is a junior. Because we have the same name an no suffix is stated, the placed it on my credit report. I reported it to the original company who were very helpful. They gave me the phone number of the collection agency, which I called, and they were very rude. They stated that they had no account information such as date of birth or social security number. I know this is not true because the original company and they had the information and recognized the mistake. They also said they would try to help out in correcting this error. However, it dropped my credit score XXXX points and I need it removed from my credit report. Please help me with this problem. The problem was that he had to use my mailing address because he was an XXXX. 
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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not have a charge account with XXXX Card that began with Charge Account No. XXXX back in XXXX XXXX, 2014 They have violated my rights and stated that I had a balance of {$3400.00}. They marred my excellent credit. I have faxed and repeatedly called them but they will not address this situation with me. Would you kindly escalate this matter. 
Regards, XXXX XXXX XXXX email : XXXXXXXXXXXX

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 02/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After reviewing my credit report I notice that Equifax had a Lien on my credit report that was released. That should have been taken off my credit report after the Lien has been satisfied. I am informing you so that Equifax to remove this Lien off my credit report. I have not file a formal dispute letter. I decided to file a case through your services to have a track record just in case Equifax does n't follow through with doing what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: WE had XXXX and we moved so they came and removed the equipment. We were in a 2 year contract, we tried several times to get someone to come to our new home to install the equipment and appointments were not kept. We received this threat letter in the mail. The collection company wants us to pay XXXX to XXXX XXXX Now, I do not know who they are since we contracted with XXXX. We do not know what the XXXX is for as the letter does not explain, they just want us to pay.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I currently have a complaint filed with your office regarding Capitol One and XXXX XXXX XXXX. Complaint # XXXX. I have found additional information but unsure how to submit it other then this way. Between Capitol One and XXXX XXXX XXXX they are misrepresenting who owns it. I have proof this debt has passed thru XXXX different offices for collections. Is this not protection under the fed. debt coll. act? also not producing the media files as to the debt crossing offices? In a response letter from Capitol One they intentionally left out the other XXXX offices that attempted to collect. They stated they forwarded it straight to XXXX XXXX XXXX. I will attach a copy of each of the debt collector office 's for proof. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have frequently requested to Kimball Tirey & City of XXXX XXXX, to provide me with an explanation of the amount they claim I owe, how that amount was calculated and account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 12/29/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (CA).
Issue: Deposits and withdrawals

Complaint: I called to put a simple travel notice on my account and ended up being placed on hold XXXX different times and ultimately having my account locked when I leave for vacation tonight. Ally will not transfer or release any funds until their fraud team calls me back in XXXX hours- which I wo n't be able to accept as I will be abroadXXXX took XXXX mins to offer this service to ensure I can get access to my own money. Ally abused it 's power to hold my money and inflicted great personal harm on me with this delay and lack of access to my funds.

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 12-06-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I already have a complaint with CFPB under XXXX # XXXX. If you google the company XXXX there are reports of scams matching this company and they have provided no source of the company they claim that they are collecting for, if you look them up in the better business bureau there are over XXXX complaints of this being a fradulent company. Now they are reporting on my credit under another name demanding that I pay something that is not even mine. Now they are going under this information for the same information saying that I owe a payday loan from XX/XX/XXXX 

XXXX # : XXXX Current Creditor : XXXX - XXXX Original Creditor : XXXX Account # : XXXX Account Balance : {$760.00} XXXX XXXX XXXX, XXXX. 
XXXX XXXX, MO XXXX Toll-Free # : XXXX Fax # : XXXX Website : XXXX My information is being passed along repeatedly to DIFFERENT companies buying my old information and saying that I owe a debt that I never took out, it is getting ridiculous that now it is on my credit report displaying the name XXXX XXXX and also that the debt was opened on XX/XX/XXXX. I am totally being scammed, I want this off of my XXXX, XXXX, and XXXX report IMMEDIATELY because I am being scammed, none of these companies can provide debt validation so I can investigate this properly to the authorities. No company would decide to go on trying to collect a debt that is supposed to be from XX/XX/XXXX and it is almost XX/XX/XXXX. That is how I know this is FAKE! If I took out a loan that should be able to provide documents, electronic signatures if it was done on line and also provide the XXXX address of the computer it came from, they put it on my credit report before even notifying me, total scammers. Please rectify this issue IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been contacted by XXXX XXXX of " the legal department '' of ARA , Inc., claiming to be a collection agency attempting to collect an alleged debt of which I have no knowledge. I did not find the alleged debt, " XXXX XXXX '', on my credit report. XXXX XXXX has contacted me numerous times by telephone : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX And today I received the attached letter via XXXX. In the telephone conversations, XXXX XXXX raises his voice and demands immediate payment of the alleged debt under threat of immediate civil action without affording me an opportunity to dispute the debt or even inquiring about the nature of the debt. He claims the debt is for an account dated XXXX. Even if this alleged debt were true, and I emphatically do not stipulate that it is, the statute of limitations in Illinois for such civil action has long passed. I asked XXXX XXXX for his agency 's address ; he refused to provide it. I asked XXXX XXXX to provide validation of the debt ; he refused to send it. Furthermore, a search of the records of the Illinois Department of Financial and Professional Regulation yields no Collection Agency license for XXXX XXXX or ARA, or for XXXX XXXX, the ARA manager named in the letter. I believe this is an illegitimate, fraudulent attempt to collect a fictitious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My father has a home equity line of credit ( mortgage ) with Chase Bank. He was XXXX years old when he got 30 year mortgage on his home with interest only payments for 10 years, then after 10 years the monthly payment tripled when this man, who is XXXX now, and ca n't afford to pay, but they gave him the loan based on that he could pay for the first 10 years. They are happy to foreclose as they have already gotten {$50000.00} in interest and they can sell the house and get more than he owes. They will not do a loan modification, refused to accept XXXX from XXXX, which could help a lot!, but they speak very patronizingly on the phone in a fake sweet voice like they really want to help. They only want to help themselves. They sent me to the FHH program, then refuse to take the money offered. He can not borrow any longer on this line of credit- the available credit is " XXXX '' clearly on every statement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: APR or interest rate

Complaint: Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 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: Tried reaching out to Equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to get this resolved. Tried disputing by phone and online without any success even after letting them know that these inquiries were fraudulent. I let them know that I was concerned after the equifax es breach and I had open a identity theft account to protect myself but they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an unknown account that just appeared on my credit file. This is not true. 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 01/23/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We requested Ocwen f/k/a Homeward Residential f/k/a American Home Mortgage Servicing , Inc. to update our property address on XXXX/XXXX/XXXX and they have not complied with our request. Our property address is still incorrect in their records and now Ocwen has told us they are unable to review our loan modification application for the Making Home Affordable program because the property address on our pay stubs does not match the property address in their records. Our pay stubs has our correct property address of XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen has an incorrect property address for us as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

Ocwen is also attempting to foreclose on our primary residence of XXXX XXXX XXXX, XXXX, TX XXXX, where we currently reside and occupy. We have resided at XXXX XXXX XXXX, XXXX, Tx XXXX for 10 1/2 years. Ocwen has our property address incorrectly as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen no longer appears on my credit reports because the property address in their records does not match an address we have ever lived at. 

According to the Ocwen National Settlement agreement with the CFPB and the XXXX State Attorney General Offices, Ocwen is to take appropriate action to promptly remediate any inaccuracies in borrower 's account information. We requested to have our property address updated 7 years ago and our property address still has not been updated by Ocwen and now Ocwen is unable to review us for a loan modification because their files have an incorrect property address of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

According to Ocwen, the foreclosure will be completely stopped once the account is approved for the loan modification. Ocwen wants to us provide XXXX financial statements valid within 30 days that confirm we occupy the property. Ocwen wants us to provide XXXX financial statements with an address that matches the inaccurate property address in their records of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. We occupy XXXX XXXX XXXX, XXXX, Tx XXXX. We do not occupy XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, which is the property address that Ocwen has for us. Since we have never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, are unable to provide Ocwen the requested information to review us for the Making Home Affordable program. 

When Ocwen listed our property for foreclosure sale for XXXX XXXX, XXXX, the notice of foreclosure sale has a property address of XXXX XXXX XXXX XXXX, XXXX XXXX. 

According to Ocwen, there is no single investor of your loan. Our loan is supposedly one of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax produces purposely obfuscatory, confusing and poorly formatted reports as an obvious means of frustrating consumers ' attempts to fix problems.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I applied with BBVA Compass for a checking account. There was a promotion involved that if I direct deposited {$300.00} or more into the account within 60 days I would receive a {$200.00} bonus. The bonus was due to be paid within 60 days of the account being opened. I opened the account in the beginning of XX/XX/XXXXand a {$300.00} direct deposit from my employer was posted on XX/XX/XXXX. It's been almost 90 days since the direct deposit came through and over 90 from when the account was opened. I contacted BBVA twice after the 60 days was up and they said I would receive a call in 3-4 business days each time. I was told my account met all the requirements for the bonus, but I have not yet received the bonus or any follow up phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter dated XXXX XXXX 2017 from Hunter Warfield concerning a debt they claim I owe. The creditors name is XXXX XXXX ( Creditor ) in the amount of XXXX. 
This is my second notice. I have provided the account number listed on letter and there should not be any problem locating this information I would like debt validation to be provided through the Consumer Financial Protection Bureau portal and to be mailed a copy. 

I would like all correspondence to be in writing on this account.

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 08/24/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I took out an installment loan with a company called Big Picture Loans ( XXXX ). The loan was for {$800.00}. The company required automatic payments in the amount of {$280.00}. After making XXXX such payments with no issues, I received an email from them saying that they would take out an additional withdrawal in that amount ( I had already paid them {$1100.00} ). When I called to ask how much I had remaining to pay, they told me I still had to pay {$1000.00}. When I pressed them for details, they told me that the {$280.00} that I paid each month was for finance charges only, and that I had been required to make additional payments over that amount to reduce the principal balance ( that in order to reduce the principal by {$200.00}, I would have to pay {$480.00} ). The loan agreement did not state this extremely high interest rate, and was not informed of this until after the fact. In addition, I told them that they were no longer authorized to automatically debit my account, and they told me that they would be unable to stop the payment, which was " pending '' for the next day. This forced me to have my bank stop the payment after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have incorrect information on all the credit reporting agency, Experian, XXXX, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. Experian incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XXXX XXXX XXXX  {$50.00} OPENED ON XXXX XXXX XXXX {$15000.00} OPENED XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XXXX XXXX XXXX XXXX {$87.00} OPNED ON XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XXXX Blank info listed as collections as {$100.00} opened XXXXand {$50.00} opened XXXX XXXX XXXX {$1800.00} OPENED XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

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