milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX, I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps contacting me about a debt that is not mine. The company, Portfolio Recovery Associates LLC, purchased the debt from a bank, XXXX XXXX. Years ago ( XXXX or XXXX ) the bank contacted me about this debt, and at the time, I had to fill out all kinds of paperwork. The verdict at that time was that identity theft had occurred. The debt is not in my name. 

On XXXX XXXX, XXXX, I wrote a letter explaining all this to Portfolio Recovery Associates LLC. I specifically told them that they had a problem with XXXX XXXX, not with me, if they had purchased debt from XXXX XXXX that stemmed from identify theft. 

They keep sending letters and attempting to solicit my personal information, including my social security number and birthdate. 

I am attaching to this complaint ( if I can ) a pdf of the XXXX XXXX, XXXX letter I have already written these people. 

They need to stop contacting me about this debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am the victim of idenity theft. I have disputed fraudulent accounts on my consumer credit report from XXXX Trans Union and XXXX. The continue to report the fraudlulent information on my reports. They are also reporting the wrong date of birth on my credit report. I have submitted a copy of my driver 's license and ss card to verify my identity and each bureau still report wrong information. They also continue to report fraudulent information after I have disputed it multiple times.

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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MS).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This regards two purchases made from XXXX on an XXXX XXXX credit card. The card advertises a points-based reward program, but twice I have tried to use accumulated points toward purchases at XXXX, and I have receipts from XXXX that show the points were supposedly applied and my balances reduced, but when the XXXX XXXX credit card statement arrived, both orders were charged full price. 

One purchase was made XX/XX/XXXX. The original price was {$19.00}, but after rewards points, it should have been {$18.00}. My credit card was charged the full {$19.00}. ( I have an XXXX receipt showing that my total should have been {$18.00}. ) The second purchase was made XX/XX/XXXX. The original price was {$10.00} plus XXXX cents tax, for a total of {$11.00}. I also had a separate rebate of {$5.00}, bringing the total down to {$6.00}. Then I applied enough points to cover the entire transaction, so I shouldn't have been charged anything, but my credit card was charged {$6.00}. ( I have an XXXX receipt showing that I owed nothing. ) I called XXXX to resolve the issue, and XXXX blamed XXXX XXXX. I then called XXXX XXXX, and the customer service representative acknowledged that this is a recurring problem but said she could do nothing to resolve it. I asked to speak to a supervisor, who said that XXXX had evidently reversed the points after the transaction. ( The orders were not returned, so I'm stuck with the full pre-points balance, and no one can resolve it. Both sides are blaming the other side. ) I got this card because of the rewards program, but for reasons that no one can explain, I can not use the reward points. This smells like fraud to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (UT).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo Stealing My money by way of posting and re-order transactions. So many NSF/overdraft fees.

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 11/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It instructed me to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX XXXX 2016 I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch with someone from XXXX they explained that possibly one of the credit agencies entered my social security number in wrong. I recieved my free reports from each agency, and there was an incorrect address on my equifax report for someone in Ohio. After sending in identification to prove that i am me, equifax told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: Caliber home loans " contacted me by mail to refinance my mortgage they now hold my XXXXmortgage I was put in touch with a loan officer XXXX and before a loan officer XXXX XXXX he told me caliber will add all our credit cards and auto loan and pay them off and add this amount to our new mortgage at a XXXX percentage for 20 years and caliber would pay all costs at closing I would only pay appraisal cost the loan officer told me all was good with the loan and removed XXXX dollars from my XXXX XXXX card caliber drug this out for over 3 months now they said they would not approve loan because of credit limit to high caliber was to pay these off at closing I have contacted you about this earlier but with less information thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage was sold to a servicer. I have called several time to find out where to make my next payment. XXXX XXXX XXXX will not give me the address or a phone number to reach out to the new compmeany. I only have one week left to make my next payment on time. 
I have looked the new company up on line and found a phone number, but when you call it, and go through all of the prompts, there phone hangs up on you. I was one month ahead, now I may be late and or one month behind.

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 SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the bureau and the company Chrysler Capital on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried for the last 4 years to get my XXXX credit report from XXXX  and it never works, while XXXX and Equifax work every time. I tried again several times after receiving my other 2, and once I enter my name and address info XXXX ( again ) fails with this message : A condition exists that prevents XXXX from being able to accept your request at this time. To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX I see this message in complaints all over the Internet. My information is not wrong - it works consistently with the other 2 bureaus. Equifax has had complaints online dating back to the beginning of the requirement for this site. I would like to know why they are able to avoid the law while the other 2 bureaus are playing fairly? I should not have to mail sensitive info to receive my report when this site was specifically set up to do this for me securely. I have even tried variations on abbreviations in my address, tried my old address without my new one ( lived here 1 yr ), tried just my new address, and with/without my middle initial. Someone needs to force them to be compliant ( XXXX ) and make them fix their code. Forcing people to mail them usually means people will either skip them ( saving XXXX time ), or actually go to XXXX or one of the scam sites and pay for what the government says is a mandated 1 per year free report. At best, people lose money for something that is free, at worst they get confused by all the scam credit reporting sites and get conned into paying a lot of money for their " free '' report. Please make them play nicely as they are required to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Dear CFPB it has been a long time I been dealing with all XXXX credit bureaus for one I 've disputed items ( example XXXX I been late a few times my bill is due on the first but I use the grace period of XX/XX/XXXX to make my payment I 've skipped a few payments always notified XXXX and made my payment on XX/XX/XXXX there has been times when XX/XX/XXXX or XX/XX/XXXX comes around and I am being served with a move out notice or a rep of XXXX XXXX is at my door to see if I am or anyone is living there ) Now in 2010 I lost my job my mother had a XXXX I had to move to California but a year or two before that I lost my grandpa in XXXX and that is when XXXX XXXX got all kinds of lines under my name now between XXXX, XXXX and XXXX XXXX my life has been a living heck I 've disputed things with XXXX, Equifax and XXXX XXXX before I 've filed complaints with XXXX and not single company is willing to help My mother is undergoing XXXX XXXX for the last 3 years ( yes after the XXXX ) I am XXXX on XXXX and I do n't know what to do anymore I 've gone above and beyond to try to work with all the companies I 've mention but it is like talking to a brick wall I need my credit fixed I am trying to get at least a part time job and I am being turned down for errors of all the companies I mentioned My last plea is to hopefully get help from your organization please I am begging you to help me

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Private student loan debt) with Convergent Resources, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They keep on sending me a notice out on an old loan debt past 7 year period!!!

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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 requested TransUnion to verify and send proof of verification of an charged off account that is reporting on my credit report back in  XXXX  of this year. My results ended in verified and meets FCRA requirements but I did not receive the paperwork or verification in which they used to verify this account. They also re-aged the account that was to fall off my report  XXXX  to stay on until   XXXX  , Reaging of an account is against FCRA requirements. Section  623 ( 5  ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.     I would like to have this account removed from my credit report as they have violated so many FCRA requirements of my credit report, I also would like a UPDATED credit report reflecting that the account has been 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 explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company has filled to delete fraudulent information off of my credit report. Fair Credit Reporting Act, which details your responsibility to block and DELETE fraudulent information on my credit report resulting from identity theft. i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

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 06-11-2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: I was charged a {$50.00} overdraft fee in XXXX of my checking accounts by Fifth Third. I feel that {$50.00} is an egregious amount. Furthermore, I have XXXX other checking account, a savings account, and an equity line of credit that all could have been used to cover the funds. I just do n't understand why they ca n't take the funds from other accounts that have thousands of dollars in them. Yes, I did accidentally write check and forget to do an internal transfer from savings to checking but I feel like there should be an automatic linking of accounts. According to the paperwork when I received the debit cards for the checking account the accounts are linked to my savings. I may have misunderstood the linking of accounts but {$50.00} is ridiculous especially when I have plenty of money sitting in other accounts to cover the check that was written. I also have XXXX mortgages with Fifth Third.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with Mullooly Jeffrey Rooney & Flynn (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Sir / Maam, Good Afternoon. 

Belated XXXX to all. 

I have a terrible post-XXXX day, this is my story. 

I have a checking account with XXXX XXXX XXXX XXXX, NY, debit acct ending in XXXX. 

Upon logging in to my Online account ( XX/XX/XXXX ), to my surprise {$5900.00} of my hard-earned money, saving for rainy days has been put on hold. 

According to XXXX XXXX Legal Department it was put on hold until i pay the amount of {$2900.00} and plus the interest the full amount to XXXX XXXX XXXX XXXX XXXX. 

I was told by XXXX XXXX Legal Dept. to settle this amount and call them, this is the index number XXXX of my case. 

I havent given any information on what financial institution or whom i owed the amount being garnished, it was just the name XXXX something ( not Sure ), and it was in XX/XX/XXXX-XX/XX/XXXX debt. 

It was NOT CLEAR and im confused and frustrated that my honest and hard earned money can go to the Law Firm, just like that. 

Upon searching the internet the Mullooly, Jeffrey, Rooney & Flynn - XXXX XXXX XXXX, XXXX XXXX, NYXXXX- XXXX ( XXXX ) have been good cleaning up peoples bank account through legal maneuvers victimizing small and ignorant of the law like me. 

As i write today, my XXXX XXXX checking account has been on hold with the total amount of XXXX. i just did an external fund transfer and i was denied of acces. 

Cut the story short, im a victim of this XXXX XXXX, i dont recieve any confirmation or any letter of notification, or a formal phone call or any form of notifications from Mullooly, Jeffrey, Rooney & Flynn. 

I need help, i know this is illegal done to me. 

Please help me recover my money, this is all i have in life, this is my emergency fund. 

im employed as a clerk, i dont earn a lot, i dont deserve this, im honest and hardworking person. 

Thank you from the bottom of my heart. 

Respectfuly yours XXXX Attached are the pdfs for your info.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Credit card) with Garrison Investment Group (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: After reviewing my credit report I noticed a delinquent account with Foundation Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. After calling Foundation and after submitting a fraud report the issue has not been resolved and still being reflected in my credit report. The letter was submitted on XXXX XXXX XXXX. The account ending in XXXX the account ( I believed ) was open my my ex-wife and she use my personnal information, since she has such informaion ( such as SSN, full name, DOB ). I reported such activities as fraud and I have received no resolution from Foundation Finance. I was able to demonstrate that I was in XXXX when the activity took place. i do not live in XXXX XXXX XXXX XXXX XXXX XXXX since XXXX when I moved to a different address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this is not a valid 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 07-11-2016 about Mortgage (Other mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I pulled my credit report and identified a hard inquiry from New American Funding. I called the number, XXXX, and spoke with a XXXX XXXX XXXX. XXXX XXXX alleges that I provided verbal authorization to a XXXX XXXX XXXX to run my credit on XXXX XXXX, 2016. When disputing the inquiry, XXXX XXXX informed me that they have my personal information and that I spoke with XXXX XXXX at approximately XXXX. I am concerned that I have not authorized any lender, outside of XXXX XXXX XXXX and XXXX XXXX, to run my credit. I am in the process of attempting to purchase a home, but again, I have yet to authorize anyone to run my credit. I would like XXXX XXXX to be investigated for running an unauthorized credit inquiry and for New American Funding to remove the hard inquiry. If they refuse, I would like instructions on how to retrieve a copy of said phone call in which XXXX XXXX alleges that I provided authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation