milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Ask the caller for their name, company , street address, telephone number, and if their state licenses debt collector '' and their professional license number. Refuse to answer questions.I also refuse to discuss any debt until I received a written " validation notice. 

I then researched company to find out their license has been revoked/voided in the State of Florida. Attached you will find documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My client has submitted a request for pre-foreclosure sale with a servicer and has been treated unfairly, and my prior request for the CFPB to intervene has been disregarded by the servicer. The file was assigned to a representative and she has not been following up on the status of the file and I was informed that the property will be foreclosed upon next Wednesday because our offer was low. I requested a valuation review and was told that it is too late and that the servicer is foreclosing. The negotiator 's supervisor will not return calls and they are acting in bad faith. The servicer has mis-represented the case form the beginning and said it is too bad that Virginia laws allow for the foreclosure to happen so quickly. The negotiator refused to give me the name of the person assigned to review the CFPB complaint and said we are going into foreclosure and there is nothing I can do to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: on or about XXXX XXXX i sent credit XXXX a letter to the ceo/ president XXXX XXXX XXXX in reference to this account and stiplulated the reson why this account should no longer be reported to the cra agency ( see previous dispute XXXX ) about 5 days later the trade line was removed from both XXXX and XXXX I assumed this did not happen by accident as it has been on my tradline for over 4 years.I assumed equifax did not yet or had delay in getting this information from XXXX. However on XXXX XXXX I received a letter from the office of the President and it then stated it has intiated the process to remove the tradeline, i then called equifax to notify them of this letter and they siad they have not yet received the request from XXXX i thought this was odd since the other cra have and removed the file as requested by XXXX XXXX. I am memeber of my fico and for what ever reason equifax seems to be slow or have some internal issues with this process. After speakign with the rep they said i willl have to dispute it and provide such duccumentation wich i did on friday XXXX XXXX. Today I went to check the status and i notice already they have completed the investigation and they verified the acccount this was obvious a XXXX automated response and does not coincide witht the obvious wishes in the atach letter from credit XXXX. Per XXXX office of the Prsident this letter this from has account should be removed Immediately. Also they XXXX instructed me to send a copy to the cra which again their clear and obvious intent is delete the trade!

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My XXXX and I own a XXXX checking account which only had {$25.00} in it most of the time. On XXXX/XXXX/XXXX my XXXX unfortunately gave someone he knew his debit card to make a deposit so he could withdraw some money for himself ( approximately {$400.00} ). The person said to meet him at BOA the following day to make the withdrawal. The person then called BOA, identified himself as my son, and made XXXX separate claims of deposits that were allegedly made but not recorded at the ATM. Both claims were made within XXXX minutes of each other. The second claim was opened up using my debit card information which was never given to him. My son then went to the bank the next day and was asked to withdraw the cash and give it to this person and then take some out for himself as promised by this person. My son did not know that temporary funds were placed into his account. He believe the deposit to be real. 

BOA will not give me any details as to how this person was authorized to get the funds or how he was able to open up a second claim. I realize my XXXX was negligent in giving some of the information, however, there never should have been a second claim opened within XXXX minutes using my information. Something is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Bankruptcy was filed approximately 25 years ago and these were credit card charges. I recently purchased a house in my name and Portfolio Recovery inquiries and phone calls started. No negative credit has been listed on credit reports, but I have paperwork leading me to believe I could have IRS issues. The stress this has created has been unreasonable as I was a homeless veteran finally getting off the streets, and it appeared the fraud they were perpetuating on me was going to stop the process. I did receive a post card in the mail recently that there is a class action suit about these calls, but there has been more than just phone calls in my case and I wish to document this. My identity and history has been stolen too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Credit reporting () with U.S. BANCORP (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In my credit report is my x husbands credit card ( us bank revolving line ) which has not been updated since XX/XX/XXXX.My credit was pulled XX/XX/XXXX.This account was included on his bankruptcy as '' unsecured claims receiving disbursements '' I have contacted US Bank several times as it is on my credit report ( over the last two years ) .Last on XX/XX/XXXX via phone and XX/XX/XXXX and they can not find this account by account number, Social security numbers or either of our names, but will not take off credit report.I sent last certified letter to them XX/XX/XXXX they have received on XX/XX/XXXX and have not contacted me.Again I contacted them ( us bank ) XX/XX/XXXX they are still unable to find account but, it still appears on my credit report as negative.They send me from one person to another finally to automated line which gives address to send dispute to.I have done this now twice most recently XX/XX/XXXX and I can not get US Bank to respond.phone numbers called XXXX on XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX and XXXX are listing a credit collection account ( Bull City - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with XXXX and XXXX explaining to them that this collection account does not belong to me. XXXX and XXXX sent me a response and said that they verified it does belong to me and I would need to contact Bull City directly if I disagreed with their decision. So I wrote Bull City a letter and told them they were listing a collection account that does not belong to me. I asked Bull City to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from Bull City. Since Bull City can not validate this alleged debt, I would like for them to delete this collection account from my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax continues to report a closed current account as 30-60days late. The account in question is a XXXX XXXX auto loan account. The account was paid as agreed and current. The loan in question was paid off on time but yet Equifax continues to report it as late. I 've sent repeated disputes and data. They have not sent me information as to where they got this inaccurate information and what steps were taken. Even after contacting XXXX XXXX about the agreed the account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All 3 Credit report is showing 30 day late which is incorrect as this account has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX XXXX  to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: I paid off my credit card 8 days before the due date. After the due date, I received bill, stating I owe {$15.00} and some change. I made contact with the credit card company, and was informed they would take care of it. I was told it would take 5 business days to see the change on my account. I checked my account after 7 day and the amount had doubled. I called the credit card company and asked to speak w/ a supervisor and informed them I paid my account off prior to the due date. I was told once again that it would be taken care of and the supervisor said she was making adjustments to my account as we spoke. she informed me it would take 5 business days to see the change. I waited and checked my credit card account 5 business days and now the credit card company shows a balance for me of {$59.00}. I do n't understand how I pay off my account and accrue a balance and I call and call the credit card company about this issue and my calls falls on deaf ears and they continue to add fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: experian is not providing my credit report. i am unable to refinance because of this. 
they do not offer any explanation. nobody in the agency is able to help. 

no problem with the other XXXX credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other

Complaint: There is a Bank of America credit card history being reported to the Credit Bureaus, but it does not belong to me. It is impossible to try and address any complicated matter with Bank of America because their customer service is so inefficient and time-consuming. 

I know nothing about this credit card that apparently was opened in XXXX/XXXX/XXXX, closed on XXXX/XXXX/XXXX, but oddly, there is a date of last payment showing as XXXX/XXXX/XXXX. It is a negative report, and I want Bank of America to stop reporting this inaccurate information, and to inform the Credit Bureaus -- XXXX and XXXX -- to permanently remove these inaccurate data. Also, please inform XXXX if BOA reports to them. If BOA believes this account belongs to me, then they need to provide substantiate this with evidence ; I have a Bank of America checking account that was opened in XXXX in XXXX. 

Note : I see in my XXXX report that the Bank of America address cited is from XXXX XXXX, XXXX. I have never lived in Texas. Just recently I had an account removed from my XXXX Credit Report that was not mine -- it had the name XXXX XXXX associated with it ( mistakenly under my Social Security number ) and there is an address showing in the XXXX report that has an XXXX, XXXX address with a XXXX date on it. Maybe all this information is connected to one or more other people. Please check everything. 

Whoever this BOA credit card account belongs to, I do n't believe it is even supposed to be reported at this late date, given statutes of limitation.

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 07-12-2016 about Payday loan () with BlueChip Financial (MI).
Issue: Received a loan I didn't apply for

Complaint: I have been receiving phone calls from a payday loan that I do not recall taking out. They say it was drawn from SpotLoan in the amount of {$800.00}, and was given to me on XXXX 2013. They claim I never made one single payment with would not be the case if I had taken out a loan. Im confused because I have n't heard a thing until the last few days. I called SpotLoan and the representative could not even tell me what account it was deposited to. Its been sold to a third party collection whom has been extremely unprofessional ( XXXX ). I keep receiving calls threatening me. I work for XXXX and they went as far as to call my job ( XXXX XXXX ) department to report the debt. On top of the calls from the agency I get calls saying their is a civil complaint against me and garnishment will be sent to my employer. Seems suspicious in nature and high pressure collections. I also told the agency that I would have to look into this claim and she said NO EXCUSES!! I do n't want to hear them. She also wanted me to report my bank info so they could make payment arrangements. I do n't even know this persons name, it was not provided to me. I refuse to be intimidated and harassed in this manner.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and TRANSSUION has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX not mine, No proof of debt- Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I 've been trying to place a security freeze on my Transunion file because I am a victim of identity theft. I was able to place freezes online with both   XXXX    and   XXXX   with no problem. I 've gone through Transunion 's online process multiple times on different days, and every time ( after giving all my information, including my credit card billing info  )  their website gives me the same error : " we are unable to process your request at this time ''. It is obviously not a temporary issue, since it 's been happening consistently for a week. This leaves me, and any other consumer trying to do the same thing, no other option but to call their " customer service '' line which is in a foreign country where many US consumers do not feel safe giving out all of their personal information ( if they can get through to a person at all- which only happens part of the time ). Transunion has made it literally impossible to do something that we have a legal right to do, and which is essential for victims of identity theft.

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 01/23/2018 about Debt collection (I do not know) with Allied Interstate LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call every day at XXXX XXXX. No one talk and then they hang up

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 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect reporting of my status by Transunion The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Transunion needs to correct my account status as Mortgage included in Bankruptcy.

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 10/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: Bank of America received a request to place a levy on my bank accounts, so they did. According to Virginia law, certain payments are exempt from garnishment and levy, which includes child support payments. I informed both the collection company and Bank of America that my child support payments are exempt, but Bank of America refused to release the hold on my support payments, which were being direct-deposited. I contacted the court and filed a " Notice of Exemption Claim '', reiterating that these funds are exempt. A copy of my claim was also sent to the attorney. A day after the notice was filed, Bank of America released exempt funds to the attorney.

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 06/14/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MO).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX 2015 I applied for a VA loan. all of my information checked out and was approved pending a payoff amount and a vom of mortgage payments to Setarus Inc.by constant delays and incomplete reports by Setarus { who by the way does not report positive credit to the bureauso it can not be pulled by the bank I applied with } Today is XXXX XXXX. and after request after request I still can not take advantage of my VA benefit because of them intentionally dragging there feet supplying info everyone else reports to the cerdit bureaus.These people should be made an example of and put out of buisness by in effect denying a veteran to take advantage of the benefits My country awarded me.AllI have stated above can be documented by mo loan officer..

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Medical) with Fresno Credit Bureau (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditors Bureau USA has contacted me several times regarding a debt I supposedly owe to XXXX in California. I have asked for verification of the debt such as an order form, doctors authorization, and whether it was submitted to my insurance company if it was a legitimate service, but all they send me is a computer printout saying that is the validation of the debt. I live in XXXX, my doctor is in XXXX, and I find it odd that a California laboratory would be involved in my care. If it was however, they should have submitted it to my insurance and contacted me immediately if there was a problem. Their bald assertion that I owe this money and that it is up to me to prove that I do n't is ridiculous.

Company response to consumer: Closed with explanation