milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, XXXX negative accounts ( XXXX XXXX XXXX charge off accounts are NOT MINE. see attachment ) on Experian credit report are incorrect. Filed claim to Experian fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with XXXX XXXX, police report. Experian is refuse and ignore to remove fraud accounts from my personal credit report stating to direct communication to XXXX XXXX or investigations ends. See attachmentsDuring the last 60 days investigations, Experian found that there were different version of my name on my report, I had to supply my ID and proof of residency and identity.Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I contacted XXXX XXXX, grantor of the credit accounts through credit report, notified them there are fraud charges are made on my name, demand them to close account and validate via USPS Certified Return Receipts Three times to each grantor. XXXX XXXX ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Now Experian is refuse to remove these XXXX fraud accounts from my record, accusing me that I did not communicate with Grantor, XXXX XXXX, knowing the fact that I had notified them since XXXX 2015 over ( Nine ) months. I filed claim to credit reporting agency dispute simply because I could not wait response from grantor any longer, I had to take an action against this fraud incident. 

Please see Expieran 's response attached. They stated as if I never contacted grantor, this is Impossible. I have been filing claim over and over to Experian, they are responding in only XXXX manner that I need to contact XXXX XXXX direct and XXXX XXXX does not want to do anything about it, and never even attempt to validate charges NOT EVEN ONCE. Just being silent party, meanwhile my credit is trashing as we speak! ( Please see attachments ) I am stuck with fraud account and Poor credit over 9 ( months ). 

Because of this credit fraud incident, my good credit line has been terminated due to dramatically dropped credit scores, I am devastated. Please helpPLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EXPERIAN TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT. THESE XXXX XXXX XXXX ACCOUNTS ARE FRAUD CHARGES, I DO NOT KNOW ANYTHING ABOUT IT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
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: To whom it may concern, I was a customer with chase slate for many years with no history of any late or delinquent payments. Although i had an open account with them i did not use the credit card for any purchases during 2017, to my surprise my credit score dropped due to a negative report by this chase credit card. When i contacted them I was informed there was an XXXX subscription charge in XX/XX/2017. I informed chase that i had no idea about this charge, as i received no electronic notification of a bill. Furthermore I was unaware of the subscription charge by XXXX to this particular account. Due to such circumstances, and my overall 15 plus year of stellar credit history where i never missed a payment I kindly requested chase to take the circumstances into consideration emphasizing that i had never missed a payment in the past. They refused which subsequently harmed my ability to apply for a business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I made a payment of {$400.00} from my Citibank Credit Card on XXXX XXXX XXXX at a Citibank ATM located at XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX. The ATM jammed and did not give me a receipt for the payment. I called the branch an hour later and they Branch Manager said they have the {$400.00} that was jammed in the ATM and will make sure it gets credited to my account. It is now a week later and after many calls to Citibank Customer Service and the XXXX Branch Office my {$400.00} has not been credit to 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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: A recent XXXX initiative was launched XX/XX/XXXX regarding how credit agencies report and/or verify information placed on credit reports. In my case a XXXX XXXX XXXX currently on my TransUnion credit report. After hearing about these changes i called TransUnion on XX/XX/XXXX about how this would impact me directly. The lady i spoke with outlined the recent changes to include " a new standard of minimum requirements '' for public records, such as tax liens or bankruptcies. She stated if a reported lien did not include " ( 1 ) Name, ( 2 ) address, and ( 3 ) full social security number and/or date of birth '' then it would be removed from my credit report. I let her know that i had already in fact received a copy of the official XXXX from ***XXXX XXXX XXXX XXXX , XXXX XXXX , Florida*** and was able to confirm it did not have the SSN or DOB present. The XXXX XXXX also confirmed the last time anyone requested confirmation of the XXXX was XX/XX/XXXX ( the new XXXX also states regular 90 day check-ups are required ). With confirmation from TransUnion and the Court i submitted my dispute. 2 Days later TransUnion stated it was verified and would remain, even though they directly confirmed it would be removed. I do n't understand why they provided me all the information on the new standards, i confirm my information does NOT meet the standard, submit the request satisfying all the requirements and then they say " its verified '' and will remain. ( I had called XXXX the same day I called TransUnion and after faxing the official copy they also removed the XXXX from that report for this  very same XXXX requirement ). Can someone please contact TransUnion to have my report corrected and follow the guidelines they stated they were using? I need help with this ... Thank You ( i 've also attached an official copy of the lien document from the circuit court supporting my complaint and dispute. I also attached a copy of my SSN and FL DL verifying my identity -- please do n't publish that document )

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried to contact Experian, XXXX XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : 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 non-monetary relief
Consumer complaint received 08-05-2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Credit card protection / Debt protection

Complaint: I have an XXXX XXXX card through dillards. The orignial company that own this card was XXXX, and they have sold it to wells fargo. I have made all my payments on time up until XXXX, when I tried to activate my credit protection benefits and wells fargo the new owner of the card is telling me thy do n't offer that service but I paid every month on my statements for it. I ' experiencing a financial hardship in my life and need this beneift activated. I have called wells fargo and someone was suppose to get back to e regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from TransUnion. 2Nd XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. Therefore, the 2Nd XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion.. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX data breach and am therefore requiring TransUnion to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, a fraud alert was also placed on my XXXX credit file. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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 10/18/2015 about Debt collection (Medical) with Credit Systems International, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never visited the facility on or around this date, I had already moved out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Late fee

Complaint: A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.

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 11/27/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Please treat this complaint as a NOTICE OF ERROR under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

On XX/XX/XXXX, a non-judicial Foreclosure is scheduled to take place. Your Company served us with a NOTICE OF SALE UNDER POWER in XXXX County Georgia. However, the required notice is invalid and can not be used for foreclosure in the state of Georgia. 

Specifically, the notice has been served upon us, the property owners and published to the world but is inaccurate and incorrect. 

Please be advised that XXXX XXXX and Its foreclosing law firm, XXXX XXXX XXXX. has erroneously PUBLISHED THE PROPERTY LEGAL ADDRESS AS XXXX XXXX  XXXX XXXX XXXX GEORGIA XXXX -- -- HOWEVER, AS OF THE DATE OF THE SERVICE AND PUBLISHING OF THE NOTICE ON XX/XX/XXXX THE CORRECT LEGAL ADDRESS OF OUR PROPERTY WAS AND IS XXXX XXXX XXXX COURT, CITY OF XXXX XXXX, GEORGIA, XXXX. ( See EXHIBIT-4A as proof ) As of XX/XX/XXXX the legal notice has already published for three week under an false and erroneous representation. 

Although SPS Inc., Its Client or Representatives hold no security interest in our property, and is not a secured credit under Georgia law, nonetheless, in order for the company to be in compliance with the Georgia non-judicial foreclosure statute they must cancel the current foreclosure notice. 

Furthermore, we request that you answer the following question? Was loan No. : XXXX, previous number XXXX originated in lawful compliance with all federal and state laws, regulations including, but not limited to RESPA, TILA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with GMA Investments, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Twice I have received calls from Summit Receivables, XXXX. The latest was today, from " XXXX XXXX. '' My phone 's caller ID said the incoming number was XXXX, so the company is obviously spoofing phone numbers to prevent callers from knowing who is calling. 

I did not answer the call, so " XXXX '' left me a voice mail message. She did not identify what person she was calling for. She did not identify what company was owed the debt or how much was called. She said that " the client has extended an offer to you to close out the account for less than you owe. '' That 's pretty remarkable since I do not have any debts in collection and have received nothing in the mail from anyone. 

I looked up the company online, and it seems it simply calls old telephone numbers for people who owe debts without bothering to verify if the right person is being called, as well as doing reverse look ups to see what phone number is currently associated with the address of whoever it is trying to collect from. I believe one of these is what happened with me. Summit Receivables seems to be practicing in illegal collection methods and needs to be stopped.

Company response to consumer: Closed
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX billed the wrong health card for services rendered. When I contacted them and provided the correct health insurance the situation was resolved. And the bill was paid in full. I have spoke with the collection agency and they assured me they would contact the Biller and remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I tried to transfer funds from a Coinbase/GDAX account and have not received any confirmation nor successful notification of a withdrawal. On XXXX XXXX, 2017, GDAX transferred funds using an ACH transfer to a XXXX XXXX XXXX account.I've contacted them twice through their support system, but there's been XXXX response or acknowledgement of my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Money was not available when promised

Complaint: On XX/XX/2017I sent money to XXXX.Western Union.didnot delivered my money as I was promised.when I called WU they hung up on me.then somebody called me about an hour later I complained to him and asked him what the problem and what is the holed up.He said he will call me back in ten minutes.no body called. On Thursday XX/XX/XXXX.I called WU to inquire about hold up, they asked for my ID and someone will call me in about three hours.no body called.this is not the 1time.this the XXXX time I get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Got a credit report from XXXX  where it say that my identity was used as many others. saw that I have a hard inquiry from XXXX   which I never contacted. I made several complaint for identity theft to the XXXX, MA and XXXX, ME police departments. 
XXXX address : XXXX XXXX XXXX XXXX XXXX NV XXXX, phone number XXXX. The hard inquiry was made XX/XX/2016.

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 08/31/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX and XXXX my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. More than {$35000.00} was sent by us over the course of 2 days via XXXX gift cards under the pressure and manipulation of the criminals. Beyond devastating. Nearly half of that money came from our Chase accounts. First my husband withdrew {$5000.00} from his Chase business account on XXXX XXXX upon the initial threat of those crooks, and then the next day on XXXX XXXX we kept coming back to Chase 3 times (! ) throughout the day withdrawing more and more money from our savings account, totaling {$12000.00} in a single day. No one at Chase asked us a single question why, all of a sudden, we are withdrawing so much money in one day ( when normally we would NEVER take out any money out of our savings account ). Would n't this be a red flag?? I remember 5 years ago or so we needed to withdraw an extra {$300.00} and the ATM machine stopped us! What is happening now?? The security measures at Chase really seem to have gone down a lot, making it unsafe to keep money at the bank. With all the scam and fraud going on these days, would n't it make sense to impose a very strict withdrawal limit per day? Would seem such reputable bank as Chase ( or so it is presented ) should have taken better precautions long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.

Company response to consumer: Closed with explanation