milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The company ignores all requests and simply sends me a letter stating all inquiries are factual. They are factually without my permission or consent and do not fall within any of the listed reasons that someone could pull my report as listed in the fcra Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX BANK XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX : XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 

all fraudulent Revolving Account Number : XXXX FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX XXXX, Transunion and XXXX has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.

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 explanation
Consumer complaint received 11-01-2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A woman called " XXXX '' with direct recovery svc calls me at work and also calls my boss. They leave voice mails for my lawyer to contact them by the end of the day ( scam ). Through an internet search I found others are saying they collect for XXXX. This company attempted scam collections from me previously after I applied for a loan and then changed my mind about 5 years ago. They called for years trying to say I owed them. XXXX, I gave them all my contact information when I applied for the loan. By the time common sense told me to stop the whole thing it was too late. They are scum, illegal loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix 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 01/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have never been 90 days past due on my mortgage. Wells Fargo stop taking payments from me in XXXX. I made a payment XXXX they did payment reversal XXXX/XXXX/16. I have paid the same amount on mortgage for several months. They 're telling me my payment was more than that. I have proof where they 've applied my payment every month up until XXXX. I called them today and was told they were not able to reach me all my contact numbers were disconnected. I only have XXXX contact number and that is my cell phone. Someone there deliberately removed my number and added old home phone numbers I have never put on my account as a contact when they did a skip trace. They 're doing everything they can to make it look like they 've tried to help me and I was unable to be reached. I have n't received an accelerated letter indicating the next step and have n't received a certified letter notice. I was told today I had to pay XXXX payments by XXXX/XXXX/16 or they would foreclose on your home. Wells Fargo is illegally trying to take my home from me. I received a blank envelope on my door Monday saying confidential with nothing inside the letter. The monthly statements say my payment is XXXX thing however they 've taken a different amount and applied it EVERY month. I NEED someone to take a closer look at them along with my documentation to see this is not right and I am not being treated right. I understand I am not current on my mortgage but I know my rights and know it has to be over 90 days for foreclosure to start. They 've tried to cut off all ways for me not to make a payment every month. I have managed to get a payment sent through my bank account. I desperately need someone to intervene. Please help me I only have 7 days.

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 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting a delinquent account that should not appear on my credit report and they have reduced my FICO and credit score based on an account that has been closed since XX/XX/XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XX/XX/XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you

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 06/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My son had a private loan through XXXX (naviant) . He died XX/XX/2013. The government loan was forgiven but the private loan was not. They XXXX claim I am the consignor and owe the money. My dispute is that my signature , electronic or otherwise does not appear anywhere on the note. The consignor signature isactually the printed name of my now deceased son. I've been going round and round and told them to contact my attorney several times to no avail. I do not owe this debt nor recognize it as my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed this account on my credit report with Transunion only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Transunion. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.

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 03/29/2017 about Debt collection (Medical) with Capital Accounts, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been getting few calls a week since XX/XX/XXXX of last year from Capital accounts. I have asked them many times that that I do not owe or know of any company by the name of XXXX. I have never lived or been to XXXX. They have failed to validate this account or send me any documents. I have advised them if they represent Open XXXX of XXXX XXXX, then my balance with them is only {$200.00} and I be gladly pay for it, as long as their negative reports gets removed from MY CBR. 
This Company always calls from a Local number but that are not in XXXX nor have any office here in my Home State. Every time I tell them this, they either Hung up or call the next day. I have asked them not to contact me on My Mobile phone, but they still do. I have yet to receive a single document or a letter from them. I respectfully dispute the validity of the debt and the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2018 my wife deposited {$1500.00} into a Bank of America ATM into my checking account. We used a drive thru ATM which was loacated outside the BofA branch on the corner of XXXX and XXXX in XXXX, TX. The ATM only credited me for {$500.00}, leaving me short {$1000.00}. I escalated this immediately to bank of America claims department and didn't think much of it as I was sure they would find the extra funds in the atm and return my money to me. This was not the case. The claims department sent me a note on XX/XX/2018 stating they could not find the {$1000.00} and bank of America is now unwilling to give me my money back. I have since escalated this twice to no avail and I truly feel robbed. I have made multiple ATM deposits and have never experienced this kind of ridiculous service. I'm appalled that BofA won't continue to research this and very frustrated that I'm on the brink of losing {$1000.00} of my hard earned money. The image that I have attached is the receipt of what was credited to me as well as the ATM id of the machine that stole my money.

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 05/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed an incorrect balance showing on my credit report of {$350.00} for a collection with XXXX XXXX XXXX XXXX. The correct amount should have been {$56.00}. I initiated another dispute on XX/XX/XXXX. On XX/XX/XXXX, I was contacted by the creditor with a name and phone number to call to settle the balance of {$56.00} for a hotel stay that the hotel failed to charge to my credit card upon checkout in XX/XX/XXXX. I paid the balance on XX/XX/XXXX and received an email confirmation from the creditor ( XXXX - XXXX XXXX XXXX ). The creditor provided the name of a contact with the collection agency for me to call. I contacted the collection agency to see when the collection account would be deleted since the disputed amount had been paid to the creditor. She stated that the request had already been sent, and emailed me a letter stating the request was sent to remove the collection account from all three credit bureaus. On XX/XX/XXXX, I received the dispute results from Equifax stating the creditor verified the balance was correct, and is still showing the balance at {$350.00} as a collection on my credit report with Equifax only. XXXX is still showing a balance of {$57.00}, and XXXX deleted the collection account. This information should have been removed by the credit bureaus upon notification from the collection agency. I contacted Equifax on XX/XX/XXXX, and was told that they had not received a request to delete the collection account. I was given a fax number to fax a copy of the letter from the collection agency and a copy of the email confirmation showing that the balance had been paid and to reference the report number XXXX for the dispute, along with a cover letter. After submitting the documents, I was very surprised to receive the results on XX/XX/XXXX stating the collection balance had been verified as correct, and was given an additional dispute number of XXXX. I am having a difficult time getting this incorrect information removed from the Equifax credit report. I uploaded a copy of the letter from XXXX XXXX XXXX to XXXX this date, XX/XX/XXXX, as they are still showing the collection as active on the XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I took out a loan with a local merchant that used Synchrony bank. It was XXXX of those 24-month promotion loans with no interest, and if you do n't pay it off within 24 months they charge you back interest at the rate of 29.99 %. I made a mistake and thought the promotion period was 24 months, so I set up my account to pay Synchrony {$300.00} per month so I would have the loan paid off in full in 21 months ( Original loan amount {$6100.00} ). The other mistake I made was setting the auto pmt of {$300.00} and not checking my statements each month because, as it turns out, the promotional period was 18 months, not 24 months. I just discovered Synchrony posted a one-time interest charge of {$3300.00} to my account in XXXX, and has been charging me {$110.00} interest per month. While I am at fault, I just can not accept the fact that ( with 3 months left to pay on the loan ) a finance company would penalize someone like they did. I realize I signed off on the terms and conditions, but you can never fully realize the extend of the penalty until it happens. My complaint, really, is that Synchrony should be able to see my intent to pay off inside of XXXX months. Particularly since I have XXXX loans with them. XXXX loans were taken out around the same time and for the same amount. The other loan does have a XXXXmonth promotional period, and I was ( also ) paying {$300.00} per month on this other loan. Also, I 've gone through my emails ( since I have my statements set to e-delivery ) and I 'm not finding any emails from them alerting me to the end of the 18-month promotion period. What they did to me seems truly egregious and inhumane, even given the fact that I signed off of the terms. I have written and called the company, but so far have gotten nowhere with them. I 've been a loyal customer with Synchrony and their predecessor GE Capital. I 've never missed a payment and feel sick about not just what happened to me, but what they must be doing to other unexpecting customers. To me, a positive outcome in this situation would be for Synchrony to recognize my error ( thinking it was a 24-month promotion ) and retroactively adjust they terms to 24 months. If this loan was 24 months as I originally thought I would have the loan paid off next month. As it stands, I still owe them {$4300.00} due to all the interest charges since XXXX ... on an original loan of {$6100.00}. Seems unbelievable.

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 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT 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 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company added a collection to all XXXX credit bureau 's for a debt I DO NOT owe. I have contacted the company and asked for proof the support these charges and have gotten no response. ( see attached letter and fax confirmation ). 

These charges that FCO is attempting to collect stem from a 1 year rental agreement ( XX/XX/XXXX to XX/XX/XXXX ) with their client XXXX XXXX XXXX. At the end of my 1 year contract I chose not to renew my lease because the renewal rental rate was far greater that market rate for the home and area so I submitted my notice to vacate and moved XX/XX/XXXX. The house and carpets were professionally cleaned and the house was left in good repair when I moved out. I requested an exit walk thru appointment was told by XXXX this was not necessary and they would contact me if there were concerns to be addressed. I heard nothing further from XXXX so I assumed everything was fine until a few months ago when this collection showed up on all XXXX credit bureau files. The collection agency ( FCO ) sent me a letter and a ledger of charges from XXXX which made up the balance they were collecting and I was literally dumbfounded. I am being charged for an increase in rent for XX/XX/XXXX which reflects the renewal rate even though I was still contracted at the rate of {$1300.00} per month. I am being charged rent for XX/XX/XXXX at the renewal rate when I my lease has already ended and I had moved out. I am being charged for General Maintenance to make repairs ( what does that even mean? ), for weed spray applied to the yard, dryer vent cleaning, repainting the ENTIRE house, and the list goes on and on. Under NC law ALL the things they are charging me for and attempting to collect fall under reasonable wear and tear. I have asked for proof of the necessity of these repairs as proof of damage beyond reasonable wear and tear and defined by NC statue and have gotten no reply.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a State tax liens that have been paid and filed as released. I want it removed from my public record. 
Ref number XXXX Filed XXXX XXXX, XXXX, XXXX XXXX XXXX Released Amount {$3500.00} Contact details XXXX XXXX County RECOR XXXX, CA XXXX ( XXXX ) 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