milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Received a loan I didn't apply for

Complaint: I received a copies of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by this company that I did not authorize. I wrote this company informing them of this and requested they remove this unauthorized inquiry from my credit reports, it was lowing my scores and making it very difficult for me to acquire credit. 
I sent this letter certified mail because I needed their prompt response to this issue. I requested that If they did find that I am remiss, and they did have my authorization toinquire into my credit report, I requested that they send me proof that I gave them written authorization to inquiry into my credit profile. the company have refused and have done nothing, claiming they did have my authorization.

Company response to consumer: Closed
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Phone # ( XXXX ) XXXX I have on my credit report showing account charge off for {$2900.00} and I have obtain back on XXXX/XXXX/XXXX a letter from the District manager showing a {$0.00} balance from the District manager and sign by him. On my credit report status on XXXX XXXX shows this but XXXX XXXX sent me a letter on XXXX as {$0.00} balance and Experian will not update my credit report as well as wrong information on the account showing. I have provided them with the letter from XXXXXXXX XXXX and there phone number if it needs to be verified but Experian has yet to do anything and keep telling me nothing is going to change. I want to no why is this when XXXX XXXX has tried to updated in the system with Experian but they want update the account showing as paid or remove the 90 days late on my file. I have tried month after month and nothing from Experian to this matter. I want the account updated and showing as a {$0.00} balance as I have proof from XXXX XXXX or removed from my credit file. 
I have been requesting this since XXXX and wrote and filed complaint letter and a dispute form with Experian. this is not right on there part.

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 01-07-2018 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: 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, XXXX, XXXX & Experian. 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 07-11-2016 about Debt collection (Mortgage) with Gross Polowy LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX communication tactics false statement and misrepresentation Assignment fraud substitution of trustee fraud OPERATES XXXX ... XXXX OWES XXXX XXXX XXXX XXXX XXXX XXXXandeTitle Agencyin XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Debt collector XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Debt collector XXXX UNDER THE CONTROL OF The debt collector law firm under the control the control XXXX XXXX and/or her daughter XXXX. OWES XXXX XXXX XXXX XXXX, XXXX XXXXandeTitle Agencyin XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Debt collector XXXX MIRROR THE ACTION OF DOCX ( XXXX XXXX OWES XXXX WITH A XXXX ADDRESS WHEN ASSIGNMENTS ARE CHALLENGED FOR FRAUD DEBT COLLECTOR XXXX UNDER THE CONTROL OF DEBT COLLECTOR CONTROL OF XXXX XXXX : XXXX XXXX and/or her daughter XXXX.Debt collector AND ARE USING SUBSTITUTION OF TRUSTEE AS MEANS TO MOVE NOTE AND MORTGAGE FROM DEFUNCT ENTITY TO NON EXISTENCE XXXX TRUST when assignment are challenged in court for fraud these are the local actors in XXXX UNDER THE CONTROL OF DEBT COLLECTOR FOR LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Other transaction issues

Complaint: Unable to purchase goods online. Using Paypal is the only allowed vehicle. Can not enter my credit card information without using this service. They have a XXXX. I have verified my information with Paypal numerous times, they still deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Not my debt tried to tell them that multiple times but they call me constantly they even threatened my life I would like them to take this off my credit report and pay me some of {$1000.00} for the harassment phone call they broke the fair debt collection practices Act plus I am not even the grand tour of that credit card or alone or whatever this mark on my credit is I did not sign any papers to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other fee

Complaint: yes on our sears credit card.like too find out from collections if i can maybe cancel card.cant afford high monthly payments.way too high???? like too talk too collections first before i might close account. please have them call me XXXX XXXX XXXX its my moms account but i have power of attorney too

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 06/17/2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Other

Complaint: Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 've sent XXXX debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XX/XX/XXXX so its showing up 22 times on my credit report because I have more than one loan with XXXX. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XX/XX/XXXX. So if my account was bought current and back dated to XX/XX/XXXX then how can there be late payments posted for XXXX and XX/XX/XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at XXXX has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XX/XX/XXXX. 

I also spoke to an advisor at XXXX and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my 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 02/14/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX on XX/XX/2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX, I then spoke with XXXX on XX/XX/2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Bureaus, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is showin in 2 credit Companies XXXX and XXXX that account is closed 11 XXXX   XXXX  the have wrong dates it even shows still open And XXXX XXXX   card it should not be on credit report I talk to some one when I canceled

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I was advised to close my account because someone wrote a check And forged my signature a {$44.00} check I opened another checking account with new number and closed the old account Being a senior citizen ( XXXX ) and knowing almost nothing about banking I asked and thought I was told my bills coming in to my old account would be sent to my new account Boy was I in for a surprise all 20 or more bills automatically send to my old account were returned as account closed I was hit with returned check fees galore and the worst was gas company who threatened to turn of my gas and pay only in cash No checks I incurred many late fees $ XXXX- {$37.00} because of this Times 20 my fixed retirement income will not support this at all

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 10/22/2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been making as much payments as I can for the past 2-3 years. I have XXXX total loans that I 'm paying. This loan in particular is refusing my payments as of XXXX 2016 because I 'm not meeting the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Payday loan) with Key Management Company of Missouri, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full and they refuse to remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The interest on my loans was raised to one of the highest the loan counselor at my university has ever seen. I 've been told that because I 'm in a loan repayment program I ca n't try to lower the interest. I 've also been told that if I were to request a lower interest that it might come back as higher interest and then I would not be able to decline that higher interest. What business operates this way?! I make my monthly payments ever month and yet go further into debt every month because of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ON XXXX XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH EQUIFAX FROM XXXX XXXX, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED XXXX  XXXX, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED EQUIFAX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed through   XXXX   and now there are an additional  XXXX + inquiry on my report. They should have been removed because I have n't applied for credit in over a year.

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 10/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi, I paid both collection under my equifax account, even though, they both shown as open.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Account opening, closing, or management

Complaint: This complaint is about BBVA Compass Bank. I received a car loan with them in XXXX of XXXX. I made every payment on time. I recently bought a new car and was informed that the Compass car loan does not show up on any credit reporting agency. three and a half years of on time payments do not show up anywhere. However, in XXXX they closed a credit card account because they reviewed my credit report on XXXX and it was n't up to their standards. That negative closure shows up on all three reporting agencies but the fact that I have consistently paid 3 times the minimum payment since the closure does not. They only show I pay the minimum payment. I called Compass. Nothing they can do about the credit card. I called about the car loan. I received a message that they had fixed it and I could return to the dealership after XXXX XXXX and it will show up. It does not. it is now XXXX XXXX. They 've done nothing but damage my credit and refuse to show that I have never been late, that I pay more than the minimum on XXXX the car loan and credit card and never even reported the car loan to the credit bureau. They have severely negatively impacted my credit and I have no idea how to get them to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Mortgage debt) with Utah Loan Servicing, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a foreclosure that happened in 2008. The company continues to harrass me and put this account on my credit report. I am currently going through a security clearance and it keeps popping up. The account is having my job question my integrity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute.

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