milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Credit card () with DISCOVER BANK (NJ).
Issue: Unsolicited issuance of credit card

Complaint: For almost 10 years now I have been contacting and fighting with the credit bureaus as well as Discover Financial over an erroneous entry on my credit report. It is STILL listed on my account and never should have been in the first place. 
XXXX XXXX XXXX opened up an account with Discover Financial and without my knowledge or consent listed me as an authorized user on her account. I found this out several years ago and not only did I contact Discover, she did as well and I also submitted complaints to the XXXX credit bureaus. I again did this in 2011 when I discovered it on my credit history and to this day it has not been removed. 
To my knowledge it was never late, but it is an account affecting my credit and not one of these agencies has done anything to correct the error to this day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have twice paid to have a credit freeze removed from Equifax and they will not lift the freeze and do do not respond to online inquiries. This company should be driven out of business by the Feds they are defrauding people. XXXX and XXXX are never a problem. Only Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account listed on my reports from Pinnacle LLC that should not be reporting. The Federal Trade Commision has stated in federal court orders that Pinnacle is prohibited from participating in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company with the name of Credit Collection Services ( CCS ), web address of XXXX is claiming that a delinquent account from XXXX XXXX XXXX has been sent to them for collections in the amount of {$270.00} and has been reported to the credit bureaus. They give me the option to pay in full and have the issue resolved. 

The problem is that I am current with my cable and internet ( in fact, I am using it to send this complaint XXXX and XXXX XXXX has not sent me to collections. Credit Collection Services can not provide an account number or any proof that I owe a debt other than reiterating that I owe it and my credit is harmed by not paying it. 

I have not received prior collection attempts from them or anyone else warning that I would be reported. I just suddenly received this letter that I already have been reported, but can repair my credit by paying them. The only option is to pay in full. There is no option for them to even prove the debt. 

Although they provide no account number, they provide a PIN number which is conveniently my zip code. 

Doing a brief web search, it is clear this company repeats this pattern on a regular basis. 

( Please give an extra option in the above drop down window. It is n't so much an attempt to collect a debt that is n't mine as much as it is an attempt to collect a debt that simply does n't exist. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To XXXX, XXXX, and TransUnion this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4. XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX XXXX, and TransUnion. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with (Former)Shapiro, Swertfeger & Hasty, LLP (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied credit from a lender for " too many inquiries '' and later approved. I decided to check all of my bureau reports fo r accuracy (   XXXX ,  XXXX , and   XXXX   ) .The following inquiries were not authorized by me. None of these companies received any identification or authorization from me to pull my credit.     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: Untimely response
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed an item on my TransUnion credit report 4 times sent a written request that they investigate/remove an collection account from XXXX XXXX XXXX for {$140.00}. Each time the dispute comes back as " Verified '' as my account but they do not show any proof as to why/how they could " verify '' the account as being mine. I want a REAL INVESTIGATION to be done by TransUnion that will show that this debt can not be mine.WITH PROOF! It is impossible that this account can be verified as mine because I have never done business with this company or the original creditor. Please assist me in getting this item removed from my credit report. P.S this item is a medical collection account and I can show that I have had health insurance for the past 20 years with no lapses or failed payments. Theres no way possible this can be my account.

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 10/23/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Settlement process and costs

Complaint: In XXXX, 2014 we received a loan modification on our residential mortgage from Specialized Loan Servicing , Inc., agent for XXXX XXXX XXXX, XXXX. During the modification process we were assured we would be able to refinance our mortgage after the modification to current market value and thereby get out of being " underwater '' by {$85000.00}. After repeated attempts to contact SLS we were told they do n't refinance mortgages. This is contrary to what we were lead to believe, and does not help us regain solvency as promised by SLS. We now have a mortgage of {$300000.00} and a property valued at {$200000.00}. This is hardly helpful and is little more than a sand pit that never gets emptied because the interest ( sand ) keeps filling the void. I am XXXX and do not have any earned income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX SP XXXX at the XXXX XXXX XXXX courthouse in front of an alleged assistant clerk named XXXX XXXX XXXX acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ) .The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside of her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The alleged assistant state court clerk allowed a debt collector 1692a ( 6 ) who was attempting to collect a personal, family and household debt 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. The clerk threatened me stating she would call the bailiff into the room because I was objecting to statements made by a debt collector and because I asked if the court had given the debt collector prior written consent before they contacted me. The clerk was disrespectful to me by stating that I was to keep my mouth closed and only speak when spoken to ; and making statements that I should have gotten an attorney when I objected to my personal and private contracts being placed in the public record in violation of privacy laws. The assistant state court clerk additionally began advocating for the debt collector that an alleged debt was accelerated and I was given notice when I objected that I had not and asked for proof of delivery. For these reasons and the conduct and behavior stated above I am placing the complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Family Member ob tained loans fraudulently, has subsequently been  XXXX  and is   XXXX   a   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: In my state, All 3 credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for Equifax to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all 3 companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with Equifax and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: well at first it basically it had every thing right but the chapter of Bankruptcy I filed so I disputed it along with other info of credit cards and loans that had the same thing. it first said undesignated chapter so when I disputed it and told them it should be a chapter XXXX Bankruptcy and that it should say discharged. So after a few weeks Experian sent me the disputed results. now it saying I had XXXX Late payment in XXXX of XXXX oh it also says Charge Off as of XXXX XXXX and that it was a chapter XXXX in XXXX. I had filed for chapter XXXX on XXXX XXXX, XXXX so I know that I was not late and Had Never in my life filed for chapter XXXX. So then I had tried to dispute it again and the sight will not let me. so I also contacted the creditor of that account and was transferred to XXXX different people and they said they had no information on it and then basically hung up on me because I told them I wanted it fix or I will call my Lawyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The manager calls repeatedly 4-5 times a day, from different phone numbers and calls my job as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I 'm Disputing This " STATUS : XXXX -- -File -- -- Received -- -- XXXX -- ( AND ) STATUS : XXXX -- -File -- -- Received -- -- XXXX -- -- -NOT COMPLETED ... .BUY WELLSFARGO BANK-N/A.. 
Case number : XXXX -- -NOT COMPLETED BUY WELLSFARGO BANK ; N/A.. TODAY IS XXXX XXXX ; CF-GOV-CASE # XXXX, and Doccuments submitted in this case : File ; Duplicate 'NOTE- CF-GOV PEOPLE CALLING THIS A DUPILATE ...? 
adding mot information 's pertaining to the XXXX XXXX XXXX XXXX loan done in State of XXXX XXXX : Where the State of XXXX, and Wellsfargo is n't inforcing the Law 's of the U.S.C 's Homestead declaration on my property : ( XXXX XXXX XXXX XXXX, XXXX, XXXX / XXXX important ' notes '' XXXX, and XXXX as well XXXX US State XXXX XXXX the U.S.Constitution on Homestead declairation right on single family homes, and single person 's married or not. // [ In the community property states, the rights of the surviving spouse are less predictable. If thehomestead property is owned as joint tenancy with rights of survivorship or is community property, the surviving spouse retains an interest in the homestead property in his or her own right. InXXXX, XXXX and XXXX, single persons and married couples have the same exemption.XXXXIn such cases, the death of one spouse may have little effect on the protection afforded thesurvivor. When the homestead property is titled in the decedent 's name only, however, the surviving spouse will be left in the same condition as surviving spouses in common law states. Of the community property states, only XXXX squarely addresses this issue and passes the community property interest with the homestead exemption intact to the survivor free and clear of any liens ] [ XXXX ; the { U.S.C. ) Homestead $ 500,000.00USd exempted even on moblehomes, Manufactored homes.. '' they regisrered my home as a manufactered home with wellsfargo court order, changing the status from single family resident.. '' destoying tax records in XXXX XXXX XXXX ; and destroying my deed to my property../ now i understand wht the U.S Department of Hospitol had me file as well to inforce my utility bills were legal in my names as i have all ways lived single.. ; Wellsfargo Bank XXXX, XXXX XXXX XXXX 's XXXX XXXX is dead, XXXX XXXX XXXX that she is : where 's the death Certificate from XXXX Bank? on XXXX XXXX, XXXX people are stating this in that court order ; from what I know there 's life insurance coveing here det 's ; And I 'm the hier on the XXXX XXXX XXXX XXXX XXXX XXXX not those that ran with money. " on her life insurance policy., : XXXX ; XXXX XXXX '' I ask him if his name the XXXX time if it was XXXX, and the XXXX time he said it was XXXX, the ID caller says it 's XXXX? that 's suppose to be working for Wellsfargo bank N.A.?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. Ive advised ABILITY RECOVERY SERVICE of this. Ive disputed the validity of all of these accounts with ABILITY RECOVERY SERVICE several times to no avail. ABILITY RECOVERY SERVICE refuses to provide me with the documentation Ive demanded them to provide me with, in order to validate this debt is mine without a shadow of a doubt. They sent me a letter that does not contain my actual wet ink signature. They have no proved this debt to be mine and yet the refuse to do the honorable thing and remove. If they continue to refuse do as I demand. I will file a lawsuit against ABILITY RECOVERY SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Closing on a mortgage

Complaint: I filed a case and the case number is  XXXX . Chase responded but did n't refund.The problem is not solved. But the case was closed.   Please investigate this case.   Please tell me if you need any documents, including tons of emails.

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

Complaint: Received notice of a cyber-security breach from Equifax. I following a step-by-step instructional to see if I was a potential victim of the security breach and the result returned a true response.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Unable to get your credit report or credit score

Complaint: For the past month I have been trying to get Chase bank to report the payment history on my mortgage to the credit bureaus. You have refused to do this because they think that the mortgage is being handled through Chapter XXXX bankruptcy. They seem to ignore that the monthly payments come directly from me and not from the Chapter XXXX Trustee. 

The fact is that this mortgage was subject to a lawsuit that was settled in XXXX 2016. This has  nothing to do with the bankruptcy. A copy of the settlement agreement is attached. 

I have mailed and faxed numerous documents to Chase Bank. They ca n't seem to make a decision. The person I last spoke to though that I had filed a new lawsuit against Chase. Someone else must have thought that I had requested mortgage assistance because yesterday I received an application for that in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Fraud or scam

Complaint: On XXXX XXXX  2018 I transferred money from my Bank of America account to an account at XXXX XXXX. I was not aware that Bank of America was using XXXX, which is not insured in the way a typical bank transfer would be. There was no warning about the transfer and nothing to let me know it wasnt a secure transfer. The person I was transferring to was selling tickets and gave me all his information and seemed legit, even took a screen shot of the tickets and sent to me. Once I transferred the money he disappeared, never providing the tickets. I immediately contacted the bank assuming the transaction was secure and protected against fraud as my other transactions are. Bank of America agreed to contact XXXX but could not help ensure I get the money back and neither bank seemed able to help with this fraudulent situation.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX an auto loan through Wells Fargo was opened in the amount of XXXX dollars. I was in a rehabilitation center until XXXX/XXXX/XXXX and can provide documentation to prove this auto loan was by no means financed in my name or by me at all. It is a joint account, installment for 72 months and shows paid in full XXXX/XXXX/XXXX. Wells Fargo sent me an email yesterday XXXX/XXXX/XXXX stating millions of dollars have been allotted for individuals that have had an account opened in their name but was in fact fraud or identity related. I have not contacted the company due to it being paid off however with this alarming email from Wells Fargo I want it resolved in a timely manner.

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 11/21/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a call from Commonwealth Financial Systems on XX/XX/XXXX at XXXX from the phone number XXXX ext XXXX claiming I owed a debt from back in XX/XX/XXXX in XXXX XXXX, TX . I did live in that area but I DO NOT remember going to the hospital back then. I DID NOT AFFIRM THAT I OWED THE DEBT! I challenged the debt and I told them I do not remember that and I do n't have a medical debt that is owed! They also asked for the last 4 of my ssn and I refused to give them that information! 

I told them to send me a copy of the bill that I supposedly owe which I do not remember ever getting a bill. THEY THREATENED THAT THIS WILL BE PUT ON MY CREDIT AND CAUSE HARM TO MY CREDIT! I have not yet received any bill in the whole 5 years of any bill from the hospital. 

First, the statue of limitations are over with. They can not sue me nor take any legal actions as the statue of limitations are 5 years in Kansas and 4 years in Texas. As of XX/XX/XXXX it has been 5 years! 

I want them to stop harrassing me, stop claiming a debt that I 'm sure I 'd remember IF I DID IT. No bill has came, no nothing. Stop threatening my credit and what not on a debt that is beyond the statue of limitations. Just do not call me again!

Company response to consumer: Closed with explanation