milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report now has 42 inquires all of which are fraudulent. i have advised Experian XXXX and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXXNever Applied XXXX XXXX- No Knowledge XXXX XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was reported as 30 days late in XXXX 2016.  XXXX XXXX XXXX XXXX showed a {$0.00} payment due at the time. They also had the wrong address on file and never sent a bill to the correct address. I have disputed this matter over 3 times with no correction to my credit report. I have even called several times to get the issue corrected and there has been no update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a debt validation to this company under the Texas Finance code Section 392.202 which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent me a claims form and a old copy of the least. Per law this is to be removed from my credit report immediately. The company unlawfully started to resend collection letters after knowingly, not providing adequate information under the Texas Finance Code. I faxed the company notice that it is to be removed per law and collection to cease. However, they have not done so and have received no communication. 

The information that was to be verified is as followed per Texas Finance Code Section 392.202 : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect 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 08/15/2017 about Debt collection (I do not know) with Integrated Recovery Services (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Integrated services is trying to collect a debt from me, I 'm not sure where the debt is from. The most recent call that was received was on X/XX/17, the caller stated that her name was XXXX XXXX, calling from integrated services legal department and she wanted a statement before X/XX/2017 to give her client because they were filing fraud charges against me, which would be forwarded to my county and an arrest warrant would be issued. Then she called my estranged husband, his brother, sister and mother, as well as my XXXX year old son and XXXX year old daughter 's phone and told them she was calling from integrated services to offer me a settlement. I also have several voicemail 's on my work phone. I called the number back ( XXXX ) and asked them to stop calling my estranged in-laws, children and my job and giving them my information. My soon to be ex-brother in law knew way too much information about my situation. ( Is that considered that defamation of character? ) I need help to stop them from harassing other people over a debt that is supposed to belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/22/2016 about Debt collection (Medical) with Certified Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My XXXX year old son visited XXXX in XXXX, IL. At his 10 minute XXXX it was determined that they could not help him and told him to go someplace else. No mention of any charge was made and no co-payment was collected. He left thinking that it was the end of it, but a year and a half later, I received a bill from a collection agency for {$310.00}. During this time I had not received a itemized bill or any communication from them. He has not received an itemized bill or any communication from them. When I called to complain to Certified Services , Inc . I was told that they do n't have to bill you and they can turn you into collection the minute you walk out the door, if they want to. 
And, they can turn you into collections up to 6 yrs later if they feel like it. 
I do n't feel that it is good business practice to turn someone into collection, a year and a half later after absolutely no billing or communication whatsoever. I even question whether this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: RE :! 15 U.S. Code 1681g - Disclosures to consumers XXXX/XXXX/XXXX Attention Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
Collection ( s ) Account ( s ) XXXX 
XXXX XXXX XXXX, XXXX {$280.00} Inquires XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.!

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The deleted personal information on my file keeps re appearing on my report and I would like for it to stop immediately. I have disputed with success this information 3 times but it comes back on my report often.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Other financial service (Check cashing) with First Data Corporation (OH).
Issue: Fraud or scam

Complaint: I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Other type of mortgage) with FCI Lender Services Inc. (GA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX attempted to foreclose om my property when my first mortgage is current, i dispute owing XXXX XXXX XXXX XXXX any amount and the assignment that they are using to foreclose, i feel is fraudulent and clearly robo signed. XXXX XXXX XXXX XXXX has yet to respond to my notice or qualified written request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: My Chase debit card information was obtained somehow and they spent {$2400.00} at XXXX, XXXX on XX/XX/2016. Then an ATM withdrawal in XXXX again for {$500.00} on XX/XX/2016. Tried to Log in to my online acct. and it said my username and password were incorrect so someone changed it. I called Chase and they froze my debit card and said they 'd send out a new one. On XX/XX/2016 the {$2400.00} was credited back to my account. After not receiving my debit card after 10 days I called Chase and stopped that one as it had been sent but I had n't received it. The lady at Chase also informed me that the {$500.00} atm withdrawal was denied reimbursement as it would have had to be me in XXXX. I informed her I was in XXXX and could prove that. I was then sent to a supervisor then a Chase specialist after I informed them I would have to take further action against them. I was given a case number then the next day Chase took the {$2400.00} back out of my acct. I informed them I was filing a formal complaint and would be closing my accts. I was sent to another ladies voicemail with no return call. So I have not been reimbursed any money as the law requires within 10 days nor do I have a new debit card!! I will also be filing a complaint with the OCC and with my local branch manager. Very disappointed in Chase Bank as the bills that are supposed to come out of that account are n't getting paid!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son borrowed money for his college tuition and I was the co-signer. It was our understanding that I could be released as a co-borrower after a XXXX years on time payments and my sons credit worthiness. After he graduated he accepted the loan company 's offer to postpone the payments for a few months so that he could get employed. He accepted, but by doing so, I found out that due to that, I will NEVER be released from the loan as a co-borrower. I feel that this is deceptive lending practices, evil, mean spirited and just plain wrong. His credit rating is great. He has never missed XXXX payment nor been late for several years but still, I am like a fish on a hook. Stuck! One of the " selling '' features of this particular lender was the agreement that I could be released from the loan. They should be ashamed,

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX mastercard account in New York, opened XXXX XXXX. I did not open the account. Received the card in the mail on XXXX. Checked credit report with Trans Union and saw it was an open account. Called the issuing bank on XXXX and {$1400.00} had been charged to the account. Placed a Security Freeze with all XXXX credit reporting companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Consumer Loan (Installment loan) with FMA Alliance, Ltd. (CA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX provided a credit card to a company XXXX. They state that the firm owes them some {$4000.00} and have turned the collection over to FMA Alliance, LTD of XXXX XXXX XXXX, XXXX, TX XXXX. Their file # for the issue is XXXX. 

FMA refuses to provide me a copy of the signed application for the original loan / credit card. The card was issued in the name of the company and therefore I suspect the application was signed as an XXXX of the firm. 

It is their desire, of course, to have me pay this amount personally. I was willing to do so and told them as much provided they could show me that I signed for the card personally as an individual. They show me nothing so either they do n't have it or it was signed as an XXXX of the firm and they do not want me to see it. 

Their " threat '' is that this will be turned over to the credit bureau 's and this would severely damage my credit report. 

My request is that you do whatever is necessary to get these people to stop calling and harassing me. 

I am a reasonable person and have never such a complaint in XXXX years of adult life. 

Please get these people to stop calling and requesting money from me. 

Their phone # is XXXX. On occasion I have spoken with managers at XXXX, extension XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I took a " payday loan '' from XXXX XXXX for {$600.00} on XXXX/XXXX/XXXX. I was advised that there would be a {$210.00} " finance charge ''. It was very clear to me that I would be paying back {$810.00}. They have since taken four payments of {$210.00} each, dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX. I called today just to verify that this loan is paid off after today 's installment and was absolutely HORRIFIED to learn that this {$210.00} is a MONTHLY FINANCE FEE until I pay off the " principal '' of {$810.00}. This makes the interest rate unbelievably ridiculous. This was ABSOLUTELY NOT explained to me EVER when I took this loan. Please help! I have paid back {$840.00} so far on a {$600.00} loan, had I known of this deceptive " finance charge '' I never would have taken the loan. 
Also in the " truth in lending '' electronic form I sighed it showed NO FINANCE CHARGE and NO INTEREST. This was all very deceptive and can not be legal. I am a single mother working to support my kids and I feel I have been taken advantage of in the worst way.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (KY).
Issue: Trouble during payment process

Complaint: On XXXX XXXX 2017 my mother XXXX XXXX. On XXXX XXXX, my sister and I went to court to become administrators of her estate. We faxed these documents in to Loancare. We spoke to them on the phone and they told us what we needed to fax in. We faxed in the court documents and the XXXX XXXX. They had my sisters phone number on file. Days went by and we had n't heard anything from them. So my sister called them and they said that they had been trying to call my XXXX mothers cell phone. They did not try to call my sister, and they did not send a letter. These people are lazy. When we did talk to them they said that they did n't have the documents that they needed. I have a read receipt from the fax that proves that the documents were sent and that it did go through. On XXXX XXXX, 2017 I sent the documents again through email. On XXXX XXXX we sent them a check to pay off my mothers house loan. On XXXX XXXX we received an email saying that they received our request and gave us a ticket number. On XX/XX/2017 My sister spoke with them again. They said that they could n't talk to us because they did n't have the correct documents. After nearly an hour on the phone they finally found the documents but said they could not talk to us because they have not processed them! This is their fault for not doing their job.They refused to let my sister speak to a supervisor but she demanded and they finally said that they would have one call her back. These people have made our lives so much harder than what it already has been. They are awful. We have went through enough losing our XXXX year old mother and us only being XXXX and XXXX having to deal with this loss. No one has been compassionate. No one has even been nice. No one has tried to help us at all. Every single person that we have talked to has given us the run around. Please fix this. I do not want anyone else to have to go through the absolute torture that we have had to go through with them.

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 Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX, I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in, and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX, XXXX, I made an agreement with XXXX of {$100.00} a month to be paid on the XXXX of every month. I tried to make the next payment and they are saying that the agreement was for {$200.00}. I tried to explain that {$200.00} is too much. Of course they do n't care and told me that I have a judgment against me from XX/XX/XXXX..and now I broke the agreement. I explained that I had told her {$100.00} and theyre telling me I said {$200.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed a collection account on my credit fr om Hunter Warfield. The y never sent me a notice or anything telling me that they were reporting anything on my credit. They just put it on there. I sent for validation of the account over 45 days ago and they just ignored me and yet still are reporting this on my credit. They are in violation of the FAIR DEBT COLLECTION PRATICE ACT

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Every time I pay XXXX the payments are not going through until later dates and every time I am charged late payment fee. This fraudulent activities were going on for a three or four months.

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 09/25/2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was not made aware of this debt/bill by the medical provider or the collection agency it was assigned to. I discovered this {$25.00} debt in collections when I checked my credit report. 

I have XXXX coverage through my medical insurance companies, as does my wife. My wife was also found to have XXXX outstanding bills that were found on her credit report that had gone to collections as well. The bills were created by the same hospital that charged me the {$25.00} bill, which was sent to collections. My wife and I had no idea she had any outstanding bills from this hospital until we checked her credit report at the same time we checked mine. She did not receive any bills or paper work from the hospital or collection companies either. 

The collection agencies removed all of my wife 's bills from her collection reports, but has refused to work with me on this issue. I have asked the medical provider to work with me on removing this from my credit report, because I never received any notification of this bill, but the hospital billing department has refused to work with me to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation