milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting A tax lien that doesnt belong to me as XXXXXXXXX and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which arXXXX Hippa Law violations as well as child support that are 180 days late and deliquent Experian And XXXX is reporting Child support Enforcement as of XXXXXXXXX as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently came to know from XXXX that there was an hard inquiry reported by Equifax that was not authorized by me. 

Details : Date of inquiry : XXXX XXXX, 2016 Name of inquirer : XXXX XXXX XXXX XXXX : Equifax I did not authorize this credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I filed a dispute with XXXX about an unauthorized charge on my account and it 's XX/XX/XXXX and nothing has been resolved. When I called, they asked me to contact the merchant since the transaction was outside XXXX 's. This is ridiculous and I 've never heard anything like this. I believe this is a reg E violation, since no provisional credit was issued neither have they resolved it within 10 days.

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 07-10-2017 about Debt collection (Medical debt) with Peerless Credit Services Inc (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On multiple occasions, we have been harassed by Peerless Credit Services for a debt that belongs to my ex wife. <P/>The most recent incident was on X/XX/2017 around XXXX. Upon receiving the bill for XXXX XXXX, Acct # XXXX, I contacted Peerless Credit Services to  provide them with contact information for XXXX XXXX. During these conversations, they refused to take her information, stating that this is my debt, when it is not. The Peerless folks hung up on us numerous times and have yet to take the address and phone number of the responsible party. <P/>This is the 3rd month in a row we have attempted to resolve this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Medical debt) with United Resource Systems, Inc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: United Resource Systems has placed a debt of {$730 .00} on my credit report on behalf of  XXXX   XXXX   XXXX . I have no knowledge of this debt and I 've disputed it several times and they 've never provided support. I have NEVER lived in  XXXX  County. I moved away from SC in   XXXX  , how could this debt belong to me? I would like to have it removed  ASAPas it s impacting my credit worthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed all inquiries on my credit report, I have notified every credit bureau & the companies of each credit inquiry. I have put a fraud alert on my accounts and yet inquiries still keep popping up on my credit reports with Equifax. I have disputed by mail and over the phone on several occasions & Equifax doesn't seem to want to stand by the FCRA rules. Upon further research & investigation both XXXX & XXXX removed all disputed inquiries. I don't believe that Equifax has done any investigating into this situation at all. I am asking Equifax to abide by the laws & delete the unauthorized inquiries. I do not want to have to take Equifax to a small claims court but it's looking like that's the direction they are wanting to go in. I want these unauthorized inquiries deleted off my credit report & I'm going to do whatever needs to be done to get my results. I did not authorize any of these & it's damaging my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: Disputed a charge and was issued a temporary credit, with the promise to be contacted, if the additional information is necessary. No additional information has been ever requested, either before or after the merchant 's response was received. At that point, Citi billed me back for the dispute and refused to consider any of my supporting documentation. In reply to my numerous requests that Citi must follow their own dispute procedures, I received replies that failed to address the Citi failure. Instead, the Citi so called Executive Office, kept replying - the merchant responded, we rebilled. The Citi customer service has never been good, but it became impossible in the past few months. Their customer service reps on line and on the phone are no better than their so called Executive Office, of which nobody seems to be in charge. All requests to escalate this matter and to provide me with the name and address of the person in Charge of Executive Office ended nowhere. They are so confused that are not able to understand that the reservation was made and billed through XXXX, on a totally false advertisement of the totally miserable XXXX XXXX. The nonrefundable charge was processed by XXXX, who should be held fully responsible for this unfortunate transaction. Instead of understanding the issue, the only problem with the hotel reservation I had on my trip to XXXX in XXXX, 2016, the Citi incompetent customer service kept pointing out that the miserable hostel does not agree with my claim and this is why I should pay. I DID NOT RECEIVE THAT FOR WHICH I PAID. CITI REFUSED, REPEATEDLY, TO FOLLOW THEIR OWN DISPUTE PROCEDURES, WHICH IS WHY THEY MUST REFUND THE CHARGE FOR XXXX XXXX AND THE ASSOCIATED FOREIGN TRANSACTIONS FEES PS - ATTACHED HEREWITH ARE MY TWO FAXES TO THE CITI CARDS CEO. VOLUMES OF EMAIL MESSAGES THAT I SENT FROM BOTH THE SECURE MESSAGE BOARDS AND AS REPLIES TO THE CITI PROMISES TO REPLY ARE AVAILABLE

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone got my information and opened up lots of accounts in my name.XXXX, XXXX, 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 07/26/2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Settlement process and costs

Complaint: In accordance with the ( FCRA ) Fair Credit Act Section 609 ( a ) ( 1 ) ( A ). I 've formally requested PHH Mortgage to provide proof of the original consumer contract with my execution of signature on record for the following documents : Note, Deed of Trust and the loan application. They have not responded to my request. Failure to verify accounts in records in complance with FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promply removed. I formally demand the following accounts to be verified. 1. ) Mortgage Service Center account 2. ) Mortgage Service Center account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have 2 secured credit cards from Capital One in which one has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. However upon reading the terms of the card, capital one offers the cards to be upgraded to a non secured card and your security deposit returned back to you ( please see attached ). I have had the one account longer than 10 months. I pay on-time, never had missed a payment, and always pay the balance in full monthly. I contacted customer care onXX/XX/XXXXand was advised my accounts are not eligible to unsecured. The rep said capital one does not offer any type of secured card to graduate. Every interaction i have with customer service is always misleading, or misinformation given. I dont think the reps are properly trained to be made aware of products and services capital one offers. For having 2 accounts and being a customer almost 2 years with excellent pay history, i am actually appalled by their disposition in the manner of the service that i receive. In the attachment, I have highlighted the key factor of my complaint in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On X/XX/2017 & X/XX/2017 despite having broken so many consumer protection and billing laws and multiple violations of Regulation Z, USAA has reported High Bankcard Utilization, multiple times on accounts they themselves already closed without any warning or just cause while refusing to provide any documentation. <P/>Additionally, XXXX of my cards should have had a zero balance, the third only had a high balance due to a disputed billing error USAA violated the allowed timeline and charged me for a year after the initial investigation was found in my favor and credits were permanently issued. <P/>Thus they are improperly reporting USAA SAVINGS BANK - High Bankcard Utilization multiple times on lowering my credit score. Additionally, they reported Credit Line Closed by Credit Grantor on  X/XX/2017 as well on an account which is in dispute and which was closed in violation of many sections of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: This is not an issue with closing an account, per se, but the form didn't have a more applicable option. 

In XX/XX/XXXX, I submitted a complaint with the CFPB ( case number XXXX ) because Bank of America was emailing me with information about another customer 's bank accounts. Over a year later, and after numerous direct complaints, they continue sending me emails about that customer 's bank accounts. My name is XXXX XXXX, and I regularly get emails addressed to XXXX. In the most recent email sent on XX/XX/XXXX, I see that XXXX recently had a customer service call with XXXX at Bank of America.

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 11/25/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/2016 I started my dispute with XXXX regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Experian deleted all except for the bankruptcy. However, they did not provide any documentation verifying my signature on this bankruptcy. They stated verified but provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Experian to validate this information and provide me with copies of documentation associated with this account. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In response to this letter, Experian states they have verified the bankruptcy. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against this agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.

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 02-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Debt has not been accurately verified. No contract or signature provided for the following collection account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: Td bank continued to overdraft my account without any notifications and now, I have overdraft fees I ca n't afford. I 've paid them literally THOUSANDS in overages, then as soon as I 'm out on medical leave, I 'm faced with this! Prior to, I purchased a money order from them, and had to wait 90 days with the receipt to get it back!!! RIDICULOUS then after I reached out to clear, they give me only 30 days. Uggghhh

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you

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 10/31/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is listing an account from XXXX XXXX and a Civil judgment. Niether is the account from XXXX XXXX is mine nor the civil judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A company named Navient a student loan lending company has contacted me numerous times regarding a old XXXX student loan that has been paid in full. Navient has no information regarding the loan, what school the loan was from the correct amount and many other discrepancies. I 've never received a student loan from Navient, I 've requested them to send any paperwork they might have regarding this loan they refuse and when called it seems more like they are fishing for information about the loan they do not have. They have contacted me by phone, text messages and emails. I filed a fraud complaint with XXXX and Navient refused to respond to them. Navient seems to be a company that finds old, outdated and paid in full student loans from other companies then try to collect on them again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my credit report under 'regular inquiries ' via ( XXXX XXXX, experience and XXXX ) there is an inquiry showing the company XXXX XXXX  with the date : XXXX/XXXX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.

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 03-03-2016 about Money transfers (Domestic (US) money transfer) with U.S. BANCORP (FL).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/2016 I received an email from my boss authorizing a wire payment for {$21000.00} to be sent to a consultant named XXXX XXXX to an account at US Bank NA in XXXX XXXX, MN. I sent the wire and then confirmed this with my boss. He then told me that he never sent this email. The email turned out to be a " spoof '' from someone who hacked into our email system. I promptly informed XXXX XXXX XXXX ( our bank ) to recall the wire and they confirmed later that day that the wire had been recalled. Today ( XXXX/XXXX/2016 ) I called XXXX to confirm and they told me that they are not sure that they could recover the wired funds.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX : I used the link on Equifax to confirm if I may have been impacted by their cybersecurity breach announced on XX/XX/XXXX. I followed the instructions and received confirmation that I may have been impacted by the breach and to continue credit monitoring enrollment. I followed the instructions provided by Equifax, however the tool is highly flawed and sends me through a loop to enter my information, and then continue enrollment again. I have not been able to enroll in their tool to begin monitoring my credit and track any fraudulent changes caused by the Equifax breach. See screenshots for step by step notations and attachment with HTML supporting that " CONTINUE ENROLLMENT '' has no further procedures for Consumers to enroll. I have the latest OS version, and the browsers have latest patches and proper plug-ins and settings enabled. I looked at the Web debugger and the Enrollment and Continue Enrollment Buttons are EMPTY! They do not have proper redirect to continue enrollment page AFTER it has validated Last Name and Social Security and XXXX. This is a false solution to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX   has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .   TransUnion just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My  credit score dro pped  XXXX  points over night, and again, no one at TransUnion can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.

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