milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I disputed a fraudulent account with Portifolio Recovery Associates in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX I started a dispute with Equifax ( Case # XXXX and XXXX ) for the removal of a XXXX XXXX from my credit report based upon it does n't comply with the new XXXX XXXX  reporting standards which went into law onXX/XX/XXXX. According to the new rules : Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

The tax lien in dispute was filed on XX/XX/XXXX by the State of Georgia in the amount of {$4000.00} in the XXXX XXXX XXXX XXXX XXXX Georgia. I have provided a copy of this lien to Equifax identifying that it does n't contain the correct information to be reported on my credit report. The document fails to list my complete social security number and date of birth, which according to there above new rules requires the lien removed from my credit report. On a side note the lien has been released and is no longer in effect. I have successfully had this item removed my XXXX and XXXX based on these new rules. 

I have spent hours on the phone with Equifax and have had Equifax representatives tell me that the document does n't provide the correct information but they are unable to remove the item unless initiate a dispute to which I respond that I have already filed two disputes and then they respond with I have to file another dispute. Thank for your time by looking in to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: Was going through financial hardships and fell behin d on 2 payments to Conns. I received a letter in the mail stating that I could pay a certain amount and make my account current ( an extension ). I called and spoke to a representative that told me that if I paid the required amount that my account would be current and the late payments would be removed. The   late payments were never removed from all  XXXX  credit bureaus and I called again to speak to a representative. This time around I was told to fax a letter stating what took place and to request that the late payment remarks be removed. I have n't heard anything back and the late payments still remain on my credit. I am working to improved my credit and these late remarks are hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On or about XXXX XXXX, 2014, I had suffer an injury while in XXXX and was treated at XXXX Hospital XXXX XXXX. I provided my XXXX New Jersey XXXX insurance information to XXXX Hospital. 
On or about XXXX 2014, I received a bill in the amount of {$540.00} from XXXX Hospital and soon thereafter it was reported to TransUnion credit agency as an unpaid debt. ( See Attach TransUnion Credit Report ) On or about XXXX XXXX, 2014, my insure XXXX NJ XXXX contacted XXXX Hospital advise them my bill was in full and on time, and they are to cease and desist billing me. ( See Attach XXXX NJ Letter dated XXXX XXXX, 2014 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: During the last week of  XXXX , I was notified by a credit monitoring company that  Ability Recovery  placed a collection on my credit report. I both wrote to them and filled out the complaint form with CFPB. The only response I received was that I did not provide them with enough information for them to research my complaint and debt validation/verification. I gave them my address, phone number and social security number - the same information they apparently used to gain access to my credit reports. Despite all of this, they are still attempting to collect the debt via placing a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Auto) with Go Capital Holdings, LLC (MS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is re porting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Medical debt) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a call from Credit Bureau of Lancaster ( XXXX ), Debt Collection Unit, on XX/XX/18, for ( what I believe ) is a medical debt paid more than a month ago to the original merchant. Don't understand why I am receiving a debt collection call, and I'm concerned that there is derogatory information that should not be reflected in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit determination

Complaint: My wife 's American Express statement showed she owed {$4700.00} in charges for the month of XXXX. The balance was to be paid in full by XXXX XXXX, 2015. Only XXXX XXXX, 2015, I posted the full payment against my XXXX account on the American Express website, and American Express posted my payment to its account on XXXX XXXX, 2015. On the same date, XXXX XXXX, American Express sent a letter to my wife stating it was reporting a late payment to the credit bureau, and notified the credit bureau that there was an outstanding balance of {$4700.00} due American Express. XXXX picked up the information because I filed an application to refinance my mortgage, and concluded that the information adversely affected by wife 's credit rating score. American Express states that it automatically reports balances due and that the report has nothing to do with a credit rating unless the credit cardholder is late in payment or in default for payment. But that 's not the way banks interpret the reporting. Although American Express was paid on XXXX XXXX, the charge of {$4700.00} was still on the credit bureau report as of XXXX XXXX Credit card companies should be prohibited from reporting charges to credit bureau unless the account is past due or the cardholder is in fault of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had my debit card stolen and fraudulent activity took place on XXXX XXXX 2017 call to report several unauthorized charges. Bank started a claim for these charges but did not tell me they would file old charges that were 60 days over time allowed. Provisional credit of XXXX and XXXX was put in my checking acct. A week later the XXXX credit was reversed leaving my act. a negative balance of XXXX. I do n't agree with this because i got no letters warning me of this and after contacting the bank the claims department states there working on getting this XXXX back from the merchant which will take 45 to 90 days if the merchant settles in the main time Iam left with a negative 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 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I disputed a charge on a credit card with 5/3 Bank Mastercard. I unfortunately got sucked into a scam with a company called XXXX  that offered services that supposedly helped businesses get small business loans. It turns out they just opened credit cards in my name and told my I could get cash from them. the fee for getting me what turned out to be four consumer credit cards that I could have applied for on my own for free was almost 7,000.00. That fee was charged to the XXXX XXXX that they had opened in my name. When I realized what was going on I called the credit card company and closed the account and asked to dispute the charge. After not hearing anything back for about a month I called to follow up on the dispute. The fraud department informed me that tis kind of charge can not be disputed, and that it ti a XXXX Policy. I asked to speak with someone else and a supervisor came on the line and told me " sorry, you have no recourse, there is no dispute possible with this kind of charge ''. He also told me there was no one else to talk to. I asked him for the contact info at XXXX, was told they did n't have that. I asked who gave the resonce from XXXX and what Department and was told the email was n't signed. He suggested I could XXXX  XXXX and try and get in touch with them. Also that 5/3 considered the charge valid and would be expecting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stephens and Michaels Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX I received a letter stating I owed XXXX for a XXXX XXXX. On XXXX XXXX, XXXX I sent a letter stating that this was not my account as I was am minor when this account appeared to be established. I sent a copy of my ID and Social Security Card. I received no response. My DOB is XXXX XXXX, XXXX. I received no response. 

On XXXX XXXX pursuant to FDCP Act 15 USC 1692g sec 809 ( 8 ) I sent a request for Validation of the debt. As of XXXX XXXX, XXXX I did not receive a response. 

On XXXX XXXX, XXXX. I contacted XXXX XXXX Fraud Department and was informed the account was established XXXX XXXX. At that time I was only XXXX years old and not able to legally enter into any contract as I was a minor. 

Stephan 's & Micheal Associates have violated the FDCP Act in multiple ways. 

This account was placed on all XXXX credit bureas while I was utilizing my 30 days to dispute the debt.

Company response to consumer: Untimely response
Consumer complaint received 01-07-2018 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: Account information incorrect

Complaint: XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, Transunion, XXXX & XXXX. No one will remove this inaccurate information form my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Unsolicited issuance of credit card

Complaint: I have been issued a CITI/AAdvantage platinum Select Master card that I did not apply for.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I find it pretty stupid that Sterling Talent solutions does not do background check based on social security numbers, and that you get someone elses info on mine costing me employment. I have never had a criminal record and I have never been to XXXX so all the info pertaining to a XXXX XXXX is bogus, as well as anything else outside of XXXX where I have lived all my life except for 9 months in XXXX at which time I still owned my residence in XXXX. This needs to be addresses as soon as possible in conjunction with the CFPB Thanks Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX DL 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
Consumer complaint received 01/26/2016 about Payday loan () with Cash Express, LLC (TN).
Issue: Can't contact lender

Complaint: I had a payday loan with a company several years ago and paid if off. Now after several years they are trying to reach me by phone to get me to come back and do business with them. when they call i dont answer so now they starting calling the references that i had listed on my original application with them. they called my wifes cell phone number and highly upset her, i feel as if my privacy was compromised. I will never do business with this crooked company again, i never gave permission for references to be called on a closed account. they are so desperate for business they have stooped to cold calling old customer and their references. Im sure there has to be some law that prevents this from happening. The call was placed from the XXXX, Tn store at app. XXXX and the number they called from was XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: At the time of purchase of the vehicle XXXX XXXX lead us to believe that XXXX XXXX my daughter was the head of contract and I XXXX XXXX will be the Co Signer, Later to find out he switched the info the other way around. Also later after we have retrieved the vehicle I learned that the vehicle was never smoged and the car was not all the way registred through the DMV because it has not been smogged. It is illegal to sale a car from a car lot with a certfied smog. I notfied XXXX that the check engine light was on and that the car was leaking from the coolant reservoir tank. He had paid a smog place XXXX dollars for am illegal smog. The address of the smog place he went to is XXXX XXXX XXXX XXXX XXXX, CA XXXX. He has been sending Text messages from his cell phone XXXX stating Lets hack this situation, I 'll will send you the bill of sale and in the bottom youll read i appoint XXXX as my power attorney to finish all documents in this manner. I 'll email it soon. Im protecting myself from legal issues. Also the dealership is not on a lot. It is a house that he live in with his wife and XXXX dogs and a horse. XXXX has lied to me and the financial company, He is not operating a real legit business. I feel I do not owe Lobel Financial XXXX XXXX does. He lied to them as well as me and they released funds to XXXX XXXX owner of XXXX XXXX XXXX, XXXX that he used to get married. I put XXXX down for the vehicle. I want my money back I put down on the vehicle an the money I have to spend for repairs for the vehicle can pass smog.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Good day. My dad XXXX XXXX had an account with Wells Fargo in XXXX GA XXXX XXXX XXXX XXXX XXXX GA. At the time my dad was diagnosed with XXXX. My dad used to go 1x a month to the branch and the Branch manager would take my dad rental income from XXXX tenants by money order. He never got a receipt and in fact instead of reflecting XXXX $ income the account started to get depleted. One day my dad went to the bank around XXXX time and the banker told my sister that they saw my dad withdraw XXXX $ in cash. WE were all scared including my husband, grandkids were at my mothers house my mom almost got a XXXX XXXX. And few days later they changed the story stating that he did n't take any money out. This employee was infatuated with my dad /mom accounts and I believe opened accounts knowing that my dad was not XXXX. We have asked for a reimbursement and for 2 years they have told us stories that they needed the money orders tracking nubmers which our tenants did n't keep record and my mom did n't think to make copies. WE are asking for XXXX $ back ASAP or we will expose them and run the local story on XXXX.I am attaching bank numbers for XXXX and then XXXX when WElls fargo decided to change the bank account for " identity theft " reasons. As well as the judges verdict for the employee that took place on 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
Consumer complaint received 06/19/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation