milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX credit card stolen back in 2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and Experian. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.

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 08/25/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have already disputed this account with Hunter Warfield. I submitted proof of previous disputes showing not my account. I disputed with all Credit reporting agencies and this account was removed. I have included the same payment agreement for credit card authorization or check deposit that I included within my last dispute that resulted in the removal of this account. I have also sent a verification of debt sent by Hunter Warfield showing original account # XXXX yet original creditor shows acct # XXXX. This is a direct violation of my rights and I request the immediate removal of this account from all credit reporting agencies whom has been notified. Hunter Warfield is required to notify me within 5 days prior to re-insertion. That did not happen. They also have this information on record per previous disputes, yet still reporting this account to credit reporting agency.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If DIVERSIFIED ADJUSTMENT SERVICE does not have any documentation other than a bill that th ey printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (MD).
Issue: Managing the loan or lease

Complaint: I purchased a new car from the FORD dealership. Since then the car has XXXX recalls and starting to have other malfunctions since then. The Ford dealership stated that they would order a clutch that is needed ; I have not heard anything from Ford. I fail behind on the payment for the last 2 months and they are threatening repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Collections U.S.A., L.L.C. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent two debt verification letters to Credit Collections, USA, LLC and they failed to respond to me and have ignored all of my requests of validation.

Company response to consumer: Untimely response
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: Citibank has been robocalling me at least once a day for the past month or so from XXXX. Instructions tell me to check my accounts on line ( but they do n't indicatecate what I am " checking '' for ). ( I did review my accounts at the web address they provided and all my Citibank accounts are current. ) The other option is to call them at XXXX because they " always love talking to customers. '' I did a XXXX search and found that Citibank has been harassing thousands of their customers with these ongoing robocalls. 
What can I do so stop these robocalls?

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
Wells Fargo XX/XX/16 XXXX XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between 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 explanation
Consumer complaint received 08-10-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (GA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX at approx. XXXX I attempted to deposit {$3000.00} cash in the atm machine inside the lobby at the PNC bank at XXXX XXXX XXXX XXXX. XXXX GA XXXX. The machine did not accept XXXX of the XXXX XXXX $ bills and then the machine malfunctioned and a screen showed " Unable to complete transaction please contact your banking institution '' It then returned my card with no receipt and kept {$2900.00} without depositing the amount in my account. I then called the number on my card where I was transferred over to a voicemail multiple times by attendants who seemed unconcerned with my issue. I went into the branch the next day where the bank manager initiated a dispute. I have spoken to the operators with customer service no less than 7 times over the last 13-14 days. I was told an investigation would then begin and that provisional funds in the amount of my loss would be in my account in no more than 10 days from my loss. At 10 business days ( 12 days total ) the funds were not in my account. I called the customer service line again to ask why and they told me there are no disputes in the system. I then found out once they reviewed notes that operators from within PNC had entered XXXX separate disputes for the same event. As I understand it the XXXX operators had then entered the system to erase the duplicate dispute and by doing so they accidentally erased the original and the duplicate because they did not read the notes. I asked them what this means and they stated they would have to start over and initiate a new dispute. They will not provide me with any other info and it would seem everyone I have spoken to conducts themselves with an amount of disregard for customer concerns even if they do so politely. Incompetence followed by a policy of disregard with a smile is still incompetence and disregard. When I asked them or told them I will have to speak to my attorney and or the media or someone who could help me the woman became slightly rude and asked me " am I threatening with legal proceedings or media '' at which point the woman seemed to indicate that it would interfere with the process and that she would have to turn me over to the " escalations '' dept. She behaved as if I was now doing something wrong. No matter who I call or what I do I can not seem to get any specific answer on when I will get my money back if at all. The company is displaying habitual incompetence coupled with what seems to be a policy of blatant disregard for the consumer. Any help you could provide me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My electricity bill with XXXX is set up for budget billing ( estimated yearly usage is averaged over 12 months ) this is being reported as a 'partial payment ' to Transunion . I opened an investigation with transunion whom reported the past 6 months as unpaid on my credit report. This is untrue as my bill is set up for automatic payments.

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 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An inquiry was made on my credit earlier today from a XXXX Customer Service on Experian. I am an XXXX and have been driving all day from XXXX to XXXX. There was no way whatsoever while I was driving did I authorize any company or organization to place an inquiry on my credit. I have proof from my XXXX that I have been driving all day long and there is no possible way on this earth I would have spoke to anyone or signed anything while driving. I called Experien and they are rude and could care less that I have the proof of XXXX. Therefore I am reporting Experian to the CFPB to investigate this potential identify fraud ; in which Experian is not following the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Filed lawsuit got default judgement against me. Never served papers. I DO NOT OWE Midland Credit Management .They have NO CONTRACT me. This was bought from original creditor XXXX opened with them XXXX written off XXXX. Bought debt Now they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I PAID MY LOAN OFF AT CHECK AND GO, BUT BELIEVE I WAS OVER CHARGED. LOAN START XXXX/XXXX/2015 AND I PAID IT OFF ON XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit determination

Complaint: A card was taken out in my name I 've never applied for a credit card till recently and discovered this card on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: I am a customer of Regions bank with a checking account. A few months ago someone or persons have been using my debit card through XXXX XXXX times in excess of XXXX dollars. I have never taken an XXXX ride nor have ever used XXXX nor have I ever given authorization for anyone to use my card, ever. I reported to Regions, XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX. 

Regions Bank told me that it was my fault and that I gave authorization for reoccurring charges to be allowed on my account. That is not true one bit. 

The fraud started in XXXX through XXXX. Regions will credit be back a small fraction of the charges but insults me with the lame investigation that somehow determined I was complicit and allowed my card to be used. NONSENSE, I asked for the proof of the investigation just today and the fraud department told me " there is nothing we can do ... I just told you the results ... what else do you what. '' Please help 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 monetary relief
Consumer complaint received 07/20/2016 about Mortgage (Reverse mortgage) with Hunt Leibert Jacobson, P.C. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: The law firm Hunt Leibert Jacobson PC ( HL ) and it attorneys are using the superior court of XXXX to bring fraud upon the court through a foreclosure to execute theft of real property. The Maker of the Note and Mortgage is deceased. The firm named as the defendants the beneficiaries who are not on the documents of the complaint, and have only an inchoate interest in the property. XXXX statute 802b requires all claims on real property to be filed in writing with the fiduciary of the probate court. HL nor the plaintiff have filed a claim with probate. XXXX statute asserts all property is under the jurisdiction of the probate court, Federal Statute does not allow a man to have to pay a dead man 's debt. HL has a motion of default for failure to plead, and a motion for strict foreclosure to deceive the defendant who appeared into believing, and thus consenting that he must pay the dead man debt. The defendant has filed notice into the court that he is not the owner, and can not be responsible for this debt. HL is using procedure to deceive the defendant into the loss of the property. Rescission was mailed pursuant to TILA. XXXX v XXXX XXXX XXXX XXXX XXXX settled that rescission, right or wrong, voids the mortgage and the note, and the lender/creditor must perform bring a non foreclosure lawsuit to prove their claim against the maker of the mortgage and note. HL and the plaintiff did not file a claim against the rescission Instead they used the prima facie documents in a foreclosure suit, after rescission, with the knowledge the note and mortgage are void by operation of law. The foreclosure suit was filed in the name of a plaintiff that had ceased doing business, rather than the name of the correct entity

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Prosper Marketplace, Inc. (GA).
Issue: Problem when making payments

Complaint: company will not provide me with a forensic analysis of my account to prove that payments made did not go through. I would like the ACH transaction code that goes with each transaction make on the account from the loan original start date.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016 I checked my credit report on XXXX XXXX and had a total of 24 hard inquires removed from my credit report. I checked my account again on XXXX XXXX, 2016 and all 24 hard inquires were placed back on my account without sending me a reinsertion letter as required by FRCA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and I should simply file a complaint because they will not fix 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 non-monetary relief
Consumer complaint received 06-03-2017 about Debt collection (Credit card debt) with Colony Brands, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: INSURANCE ON ACCT HAS NOT BEEN ACTIVATED IT SHOULD BE ACTIVATED AND PAID

Company response to consumer: Untimely response
Consumer complaint received 09-08-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I asked Wells Fargo to cancel a savings accounts that I did n't need. They were created after they automatically changed a savings account to a checking account. They converted my unwanted checking account back to a savings account. However, they also created another savings account at the same time. So I now have XXXX savings accounts that I do not want. XXXX is a business savings account. I went into a bank branch and asked them to remove the accounts and they said they did. I still have all of the accounts several months later.

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 06/29/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I used my fifth third MasterCard for a deposit with a merchant, the merchant has not provided the service promised. I tried to resolve with the merchant and they were not willing too. I then disputed the charge with fifth third MasterCard because the service was not provided the merchant withdrew from fulfilling our contract. I also made fifth third MasterCard disputes department aware that the merchant has no return or refund policy posted on their webpage where I paid my deposit. To my understanding this is a requirement from XXXX and XXXX. When I spoke with fifth thirds dispute department they confirmed this and assured me they were disputing this charge with the merchant

Company response to consumer: Closed with explanation