milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Equifax has mishandled my information, did n't notify me, and now has cost me several hours, some money ( to freeze my credit with three bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with LEXISNEXIS (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was recently denied a job due to inaccurate information contain in a background check consumer report prepared by XXXX which used addresses as identifying factors to link criminal charges to consumers report. I disputed this information as inaccurate and was told by XXXX the inaccuracies with addresses and other identifying factors were being supplied by Lexus-Nexis which I had disputed the information as inaccurate in XXXX, XXXX and requested Lexus-Nexis to validate their consumer report and provide names and contact information in regards to how and why they were associating the inaccurate addresses and linking to my consumer file, then refusing to remove said information. In addition, I opted out from Lexus Nexis from reselling or sharing data back in XXXX, XXXX. LexisNexis does not correct information within this system ; however, LexisNexis will not provide the sources of the data, to the extent permitted. Since this information is being supplied by Lexis Nexis I want the inaccurate information removed from their files/database and this practice stopped that a company can compile inaccurate data, sell the data and prevent a consumer from obtaining employment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX knowingly and incorrectly reported that I had n't paid a bill. The bill was incurred by someone who had been a secondary on an account that I had closed. The secondary, an employee, had also opened his own account with XXXX. The charge should have been charged to his new account and not to mine which had been paid off in full and closed. Experian refuses to accept the evidence I have that proves this was never my charge. There are also multiple misstatements on my credit report with Experian. I have had a spotless credit history for XXXX years excepting this XXXX incident with XXXX. Experian is defaming me and, of course, also hurting my prospects for acquiring new credit. I 'm entertaining the notion of suing them for defamation unless we can resolve this matter through the CFPB. How is it that XXXX refusal to pay a charge that was never mine in the first place for {$100.00} led to a drop of XXXX points in my credit score? How is that permitted by any law that governs the behavior of these credit bureaus? I do n't know if I 'm more astonished/shocked or infuriated. But basically both at some level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX Debt Collection Agency called me in the early morning at XXXX XXXX on Tuesday XXXX XXXX. Their number is XXXX. They have called me hundreds of times before in the last 3 years. They always tell me they will take me off the list but never do. They always call me from different phone numbers because i have to keep blocking them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has filed a collection against my XXXX and XXXX credit reports for XXXX XXXX XXXX. I have not ever had services with this company and ask that this collection account be removed from all credit reporting agencies ASAP. I did not authorize any services with the company they are collecting for therefore this item needs to be removed,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

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 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I submitted a repeal letter for the denial of my loan modification. I was denied again because I was unable to submit the documents due to slow respond from my medical provider. I was told to reapply. I have not received loan modification form for the requested loan modification as I was told I needed to submit new forms. 

I was also that by XXXX my representative that the foreclosure date had been extended until XXXX XXXX. I asked for a letter confirming this and have not received one yet. This is very upsetting and disturbing for 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 explanation
Consumer complaint received 02-09-2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Sale of account

Complaint: To Whom It May Concern : I am writing to file a complaint against CHASE because of their predatory lending practices reporting negative item for last 9 years and selling my social security # and date of birth to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (Medical) with Receivables Outsourcing, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This medical expense was paid ( it was fee of {$160.00} ), but they sent it to a debt collector and now it has shown up as an " adverse account ' affecting my overall credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with Alorica Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received seervice at XXXX XXXX XXXX, after the invoice was genereated we agree to payments debted automatic from my account, after XXXXXXXX XXXX had passed a collection agency was taken my paymnets withouth any explanation ( Gobal Receivable Solutions Inc XXXX we concluded that a new agreement was settle to make payments of {$140.00} starting XXXX XXXX after XXXX XXXX they accepted know a new collection agency is trying to collect the money without any knowledge

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.

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 09/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all three  credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all 3 of my reports. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Your report number XXXX : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account XXXX .... 


Address Identification Number : XXXXStatus : Collection account. {$770.00} past due as of XX/XX/XXXX 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX 
This item was updated from our processing of your dispute in XX/XX/XXXX 


Date XXXX of XXXX XXXX Reported XXXX : Cell XXXX MonthsMonthly Payment : $ XXXX : IndividualCredit Limit : $ XXXX Balance : $ XXXX Balance : $ XXXX Payment : {$0.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband and I submitted an investigation request to Equifax nearly two months ago. We have followed up twice, but have yet to receive a response from them. 

I am attaching a copy of the request we sent to them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Advertising and marketing

Complaint: I took out what was called The Gold Option Loan from Bank of America in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Bank of America over {$45000.00}. This loan was a bait and switch. Bank of America from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Bank of America has since filed suit against me claiming I defaulted on the loan. I have not!! It is Bank of America who has faulted on the loan. I upheld my end of the deal. Please do not let Bank of America take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Bank of America cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Bank of America has broken several laws. Please do n't let Bank of America get away with stealing from so many people who trusted that they could actually be a trustworthy company. Bank of America will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Bank of America. I want Bank of America to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MO).
Issue: Loan servicing, payments, escrow account

Complaint: WAS TOLD BY XXXX THE SUPERVISOR AT US BANK HOME MORTGAGE LOSS MITIGATION/ RELATIONSHIP MANAGER SUPERVISOR, THAT ONCE MY TRIAL PAYMENT PERIOD ENDS THAT MY PERMAMENT PAYMENT COULD INCREASE BY {$30.00} TO {$40.00} PER MONTH. BUT ACCORDING TO THE WEBSITE FOR MAKING HOME AFFORDABLE /DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT/ HUD, THEYCAN NOT INCREASE THE PERMANENT PAYMENT AMOUNT IT MUST THE SAME OR LESS THAN THE TRAIL PAYMENT AMOUNT. HE WAS VERY RUDE AND I THINK HE WAS JUST SAYING ANYTHING TO GET OFF THE PHONE. I WAS ALSO TOLD BY SOMEONE IN THE SAME DEPT THAT I DO NOT NEED TO MAKE MY PAYMENT UNTIL PAPER WORK IS RECEIVED FOR PERMANENT PAYMENT AFTER I HAVE MEET THE 3 TRAIL PAYMENTS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Other bank product/service) with LoanCare, LLC (NY).
Issue: Making/receiving payments, sending money

Complaint: Hi. 
Tha complain is about Loan Care Bank where my mortgage company is after XXXX XXXX XXXX sold it to them. The thing is that I sent my payment on time from NY to PA that is their payment center and have passed 12 days and they said that this payment has not received and now came new month and I went to their website to check if the payment was receive and appears a note that says that my account is 30 days past due!! But I was reading reviews and I am not the only one that happened also they do not post the monthly statements on time. Now my credit score will be low just for something like this.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 
Very Respectfully, 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 05/30/2017 about Debt collection (Other debt) with Account Control Technology, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Over the course of  XXXX , I accrued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . While I was on  XXXX   XXXX , the college discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA. That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA. ( Please see  XXXX ,  XXXX  claims debt transferred to ACT )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief