milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an account with XXXX which is listed as open and a balance and in collections this account was included and discharged in a chapter XXXX bankruptcy this account should be listed with a XXXX balance and closed because of this bankruptcy. they corrected the XXXX other accounts listed incorrectly but did not fix this XXXX now I request it to be corrected or deleted as any attempt to collect this is in violation of federal bankruptcy law and I will petition the court to seek sanctions if I need to. I have attached the creditor list and discharge paper showing they were listed in the ch XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with LEXISNEXIS (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ordered a free clue report online to see what was going with my insurance score and credit report this website on Lexis Nexis indicated they follow all governmental policy and procedures so I ordered it from them. The website asked for all of my personal information along with social security information which I provided for my free report I entered everything in and the site redirected me to my account page to access my report but there was nothing there? I emailed support and the responded with the exact same steps I performed the first time and said my case was resolved?? I : E see quotations of response from the Lexis Nexis company ) -- & gt ; & gt ; & gt ; ( To view your search results please access the weblink https : //personalreports.lexisnexis.com. Log in to your account and click on 'My Account '. Under " Members area '' click on " My products '' and here you will find links to view or share your report. Click on View Report. 
Date Created : XXXX/XXXX/2016 XXXX Date Last Updated : XXXX/XXXX/2016 XXXX Status : Solved Please let us know if we can assist you further. 
Sincerely, LexisNexis, Customer Support ) And that was it I had tried calling the numbers provided only to find each operator said they had no ability to transfer me to the right department?? So I am now filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX XXXXXXXX advised I had XXXX open accounts, XXXX accounts that ECMC claims they represent XXXX on XXXX represented by XXXX. Ecmc garnished wage w/out notification, said they mailed letter but had no proof, told me I was not eligible to contest garnishment at all, later found out I could contest but it would not have stopped the garnishment at that point. ECMC sent a breakdown of my XXXX loans to me. Shortly after contacting ombudsman and getting response in writing regarding ECMC 's XXXX debts, I received another letter from ECMC of my XXXX loans and this additional loan was now on my credit report and XXXX. How did this extra debt get added 5-6 years after I left school?

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 02-01-2017 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (AL).
Issue: Managing the loan or lease

Complaint: I have contacted Security Finance several times in an effort to have them report correctly to the credit bureau that the account I had with them does not have a balance. According to my credit report they continuously verify the account as showing a {$900.00} balance. I recently spoke with a representative at the XXXX, AL office that informed me that the account reflected a {$0.00} balance and was agreed to be listed as paid in full and is listed in their system under bankruptcy filings. However, that is not the case as it reflects on my credit report. The representative also informed me that the system in which they report to the credit bureaus has been inoperative since XX/XX/2016. I questioned them and asked if the system is not working, how could they possibly be reporting correct information. I did n't get a response. According to the FCRA reporting false information to the credit bureaus is against the law and is rights for me to collect up to {$1000.00} per violation. I have informed them numerous times reporting inaccurate information is unfair to me as a consumer and they are diminishing my credit history on purpose.

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 12/24/2016 about Bank account or service (Checking account) with U.S. BANCORP (PA).
Issue: Account opening, closing, or management

Complaint: Us bank located at XXXX XXXX in XXXX XXXX XXXX recently opened up some financial service in my name and private information. I am being forwarded recent letters from an address in XXXX in 2013 stating my accounts are active and to contract them immediately due to usps address change. They also sent emails which were forwarded to an investigation company where I learned that the account has been closed yet they are unaware as to whom is contacting me from the bank. I had a team of investigation on the phone mediating contact.And they kept trying to get more information from me

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 01/29/2017 about Debt collection (I do not know) with Client Services, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It appears that Client Services Inc. has purchased from XXXX ( XXXX ) an account. I am in receipt of a letter from XXXX, corporate council, of XXXX. The letter, via CFPB portal, states that my phone number was wrongly used. XXXX states that my phone number would not be called in the future. 

Obviously, XXXX could make that statement knowing the " account '' would be sold to another company, Client Services Inc. ( CSI ). CSI has called, but has not left a message, and has not identified themselves on caller-id, but instead uses the ID of " Toll Free Call ''. 

I demand to know why CSI is calling my telephone number. I want the unlawful contact to stop. I want my number to be removed from the account file, so when CSI sells the account, my phone number is not part of the account, file, or whatever term the " debt servicers '' call it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Bank of America extracted {$500.00} from a joint checking account I have with my daughter. They did this with no warning and paid it into a separate checking account I have with BofA. That account was overdrawn, which I was aware of and intend to pay. My financial woes began when my ex stopped paying child support last year. I 'm struggling to make up the difference and am in the middle of a refi, which will resolve my issues. BofA is refusing to put the {$500.00} back into the joint account so that I can use it to pay my mortgage. This was my daughter 's paycheck money. I have had the account that is now overdrawn with them since XX/XX/XXXX. The joint account was opened in XX/XX/XXXX. We are longstanding customers, and our situation is an aberration. I never signed anything that said that I allowed BofA to take money from one account and put it into another! I want the money returned to the joint account immediately. This action is jeopardizing my financial future, as I must pay my mortgage in order to qualify for the refi. This is a harmful tactic that should not be legal.

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 08/20/2015 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Told me I was patient owing for medical bill. Found out trying to collect unauthorized hospital test done on DECEASED HUSBAND two years ago. He was totally covered by XXXX, XXXX XXXX and had already paid any applicable deductible. Last time I answered, the balance had increased by more than 10 percent. They are deceptive and rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Using a debit or ATM card

Complaint: Sequence of activities happened between XXXX/XXXX/2016 and XXXX/XXXX/2016 1. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 2. XXXX/XXXX/2016 - Deposited {$500.00} in Chase bank ATM XXXX. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 4. XXXX/XXXX/2016 - Withdrawn {$100.00} from XXXX XXXX XXXX ATM 5. XXXX/XXXX/2016 - Withdrawn {$4000.00} from XXXX XXXX XXXX teller counter which is located in XXXX around XXXX or XXXX. 
6. Walked one block 7. XXXX/XXXX/2016 - Deposited {$4100.00} in Chase ATM which is located at XXXX, NY around XXXX 8. Got technical error around XXXX. 
9. Immediately Contacted branch officer around XXXX 10. Claim was created. 
11. On XXXX/XXXX/2016 around XXXX - No money found message from Chase bank 12. On XXXX/XXXX/2016 around XXXX - Contacted chase claims department 13. After sometime there is an error found {$3600.00} and {$500.00} missing. Requested to do second round of research 14. On XXXX/XXXX/2016 - Money not found, Research was done no further investigation will be done. 

Finally I lost {$500.00} money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want Wells Fargo. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to Wells Fargo because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from Wells Fargo! 

I never had a loan with XXXX XXXX. Since I dislike Wells Fargo, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to Wells Fargo. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that Wells Fargo could obtain my credit information and never authorized a loan with them. This needs to be illegal!

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 02/13/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Experian to delete the account asap.

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 12/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Equifax here are the detail of the hard pull inquiries which were not authorized : 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

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our home owners insurance is made with our monthly payment to Ocwen financial service. The invoice from the insurance company is sent out in XXXX, and is due XXXX XXXX. As is the case this year and the past two years, Ocwen does mske the payment prior to the home owners insurance policy lapses.

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

Complaint: Equifax, through their negligence, compromised the personal data for me and 150,000,000 fellow citizens. This is unconscionable and needs to be addressed. I do not want a {$2.00} class action settlement or some token gesture of a " free '' year of monitoring ( after which I would need to pay them. ) I want and expect them to take ownership of their negligence and provide, in perpetuity, a credit freeze and/or fraud alert on all of the credit bureaus for all of my personal data. 

To expect me to pay *them* {$10.00} to freeze, and again to unfreeze, my credit data for both me and my wife due to *their* negligence is outright criminal and needs to be addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went into default, I admit it. I have been spending the last 4 years paying thousands of dollars into " XXXX '' that were supposedly helping me get out of default and rehabilitate my loan. Every corporation buried me in forms to fill out and turn in, changes in due dates and amounts due, and endless runarounds. There was always an excuse as to why my consecutive monthly payments did n't qualify for rehabilitation. 
I recently parted ways with " XXXX '' for this very reason, and attempted to consolidate my loans with " FedLoan Servicing - A Department of Education Servicer ''. I submitted all of the necessary forms to consolidate all of my loans. They, in turn, consolidated XXXX of the XXXX I had requested, then attempted to start drowning me in required paperwork and forms. They sent me a notice in the mail stating I owed {$12.00} on XXXX XXXX. Upon attempting to pay said funds, my account online showed a {$0.00} balance due, and would not allow me to pay any extra. I am praying I do n't see them report a missed payment to the credit bureaus. 
I have been working feverishly for years trying to fix my credit, and right now my student loans are the only things preventing me from doing so. My loans are revolving in a world of default that I ca n't get them out of. Please offer as much assistance as possible, I would greatly appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had fraudulent charges made against a XXXX credit card I had years ago. The debt first showed up in XX/XX/XXXX or XX/XX/XXXX. I signed an affidavit with citicard disputing the charges in XX/XX/XXXX-XX/XX/XXXX. The debt was gone. Two years ago it shows back up and this Midland Funding LLC out of XXXX XXXX California starts trying to collect. I have disputed this several times with the various credit bureaus and they even acknowledge on XXXX that it was wrong on their part. Now they are threatening to sue me and sending me papers from alleged law offices here in Michigan. Today I got a letter from a bankruptcy attorney saying he wanted to help me because he sees i 've had papers sent against me in the local district court. This debt is not mine and Midland is not the original debt collector, which went away after I signed the affidavit stating the charges were fraudulent. Midland Funding LLC fraudulently bought this fake debt from some other abusive debt collector. This is all wrong and I am the victim of abusive and immoral debt collection agencies seeking no more than to profit off of innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: When I joined this bank they told me absolutely nothing about hidden fees for not having funds in my account. There were also fraudulent charges on my account which I am disputing with them as well. I do n't believe I should be penalized for the mistakes of others. I reported the issue as soon as my account was {$0.00} at the beginning of the month. There are particulars that should have been explained to me when I joined. That were n't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing to file a formal complaint against Portfolio Recovery Associates. I have notified this company with a cease and desist request however they still call me several times a day. I have also requested full debt validation and have not received acceptable proof that says I entered an agreement that requires me to pay PRA. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. Please dont send back a print out. Provide me with a contractual agreement. 
The following accounts are in question : Account # XXXX Account # : XXXX

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. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: T
he credit-reporting company Equifax has had knowledge, since late XX/XX/XXXX, that my personal information was likely compromised, and I was not informed until early XX/XX/XXXX. This is also true for over 100 million other Americans. I 've placed, through XXXX, a 90-day fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Medical) with Patient Accounting Service Center (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i visited hospital on XXXX/XXXX/2015 and at the time had a XXXX XXXX of California. now one year later i have receive a bill from colection name ARstrat for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Student loan (Non-federal student loan) with Immediate Credit Recovery (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a student loan in 2007. I was unable to continue to pay after a certain point. The XXXX XXXX XXXX XXXX put a lein on my tax refunds and took the balance. The loans have been paid. Now there is a credit company trying to threaten me with court. I responded with a cease and desist until they sent a verification of debt because the loans are paid. they show payment on my credit reports ( which I monitor ) and this debt collector is reporting the same accounts that the XXXX are reporting and screwing up my reports. I tried to contact this company on multiple occasions and finally heard from a special unit case after filing a complaint with the XXXX. However ; they said they could not talk to me about MY account. Not to mention that I only put a cease and desist until proof of verification of debt has been sent on XXXX account, the ONLY XXXX they threatened me about. But, they are reporting XXXX accounts and not even telling me anything about a XXXX account! I am in the process of getting a mortgage and my broker and underwriter told me to file this complaint against this company and give you my evidence. They have requested info on these debts and have been ignored .... Further violating my FDCPA rights.. 

IMMEDIATE CREDIT RECOVERY, INC. 
XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation