milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 08/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: No written notice ever received from Diversified Consultants, only discovered this was placed on my credit report by credit monitoring agency. They never sent me any correspondence so that I could dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Lazega & Johanson LLC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX, I agreed to a Settlement Agreement with XXXX for the repayment of my daughters student loan debt. Our agreement was for {$500.00} a month until the debt is paid off. In XXXX that debt was sold/transferred to Lazega & Johansen in which I sent my payments of {$500.00} a month. On XXXX I received a letter from XXXX- XXXX stating that they were taking over the collection of XXXX of the loans and I should remit payment to them. My problem is the settlement I negotiated was made for all loans including this XXXX for a total payment amount of {$500.00} per month. How does this affect my payment situation? If they are also collecting how much goes to them and how much goes to Lazega & Johansen? This is confusing and seems in violation of the settlement agreement if I am asking to pay more than the negotiated amount and on top of that there is no sure way I can keep tabs of the balance with different entities being involved. If they ( Lazega & Johansen ) sells the other XXXX loans that 's XXXX different debtors I am being asked to pay. I was doing the right thing by negotiating and settling this debt but this new transfer is causing me much concern. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Experian as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Experian has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Experian but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Experian credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which experian has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both mentally and financially.

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 05/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other

Complaint: Acquired a Capitol One Venture Card for trip to XXXX 6 or so weeks before the travel. 
When the cards arrived we called to inform them of the specifics of our travel, and requested a pin number which arrived by mail shortly. We called to change the numbers ( I believe this was automated ). 
On arrival in XXXX, we could not get cash with our pins. We did get one or two uses of the card, and then it was blocked. No call was received as is usual on our cell phone, nor on our home number when I had a relative check. As we had a back-up card and bank debit card, we switched to that use rather than incur the cost of phone calls to Capitol One. Calling today, Capitol One did not have the travel times, nor the cell number and claimed our home number was out of service ( a relative was here ). 
So, consumer beware. 
( What 's NOT in my wallet? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GreenSky Trade Credit, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I bought XXXX auto insurance through XXXX because XXXX gave discount to XXXX executive member, which I have been a XXXX executive member over 10 years. Everything was fine for a few years until I switched my auto insurance company to another auto insurance company. XXXX started sent me letter saying I owed them {$100.00}, I called to find out they said they did not have any record of I was XXXX executive member. I followed the instruction faxing the prove of XXXX executive member to XXXX over 10 times, after I faxed I called to find out if they got my fax, they always said there 's nobody able to see if the fax went through! The customer service DEPT said I should just wait if I got any mail to either confirm or asking for payment. This process was back and fore for over two months and still I kept receiving the bill demanding for the {$100.00}. However, the last statement I received was from collection then I called the collection company, trying to explain my situation. I offered to fax my prove of membership to the collection agency. But they said this was not their responsibility and referring me to contact XXXX to correct it. But XXXX never response if they received my prove of XXXX executive member. The collection agency said their job was to collect the money for XXXX. It became a never ending story.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with Credit Karma, Inc. (WI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have an old XXXX situation on my credit report, and the credit reporting agency will not do anything about it. They will not give me proper investigation results. Please can you help me with this matter?.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

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 09/25/2015 about Debt collection (I do not know) with Clark County Collection Service (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this company has been on my report for over 7 years for an acct that is not mine at a apartment complex that I did not lease it. so if not removed I will sue them for my creditworthiness. the credit report show it every time I disputed it 3-4 months ago and no remove or answer

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Credit decision / Underwriting

Complaint: ocwen hasnt updated my credit report since 2012. i 've contacted them several times and they give me the run around much like when they fraudulently foreclosed on me in 2012.ive asked them also what house was sold for on foreclosure they will not tell me nor was a deed of trust filed with the county it was sold in. they bounce me around to XXXX and back to them and i get no where. im trying to get approved for a home loan and this is my hang up says my mortgage officer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XX/XX/XXXX I received a letter in the mail stating I owe XXXX for an apartment I never even applied for let alone stayed in! I call the apartment complex and I was told I moved into the apartment XX/XX/XXXX which is impossible bc I brought a house XXXX 2017. Into further investigation someone stole my identity and I was able to get information for the person who stole my identity they actually work for a apartment screening company and Ive only applied to one apartment since living here in Ga. I believe that is the person who stole my identity. The apartment complex who say I owe the only too said they can not release personally information since I showed them it wasnt me! They do not verify ur rental history or verify your job at the apartment complex all they ask for is id and recent check stubs!

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and someone stole and used my personal information to open an unauthorized and fraudulent account with XXXX. I been receiving harassing and threatening telephone calls and death threats from Enhanced Recovery Company representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or around XX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXX up until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.

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 06/23/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have received numerous phone calls from this company. Some of them have been robo-calls with a message saying that I will be " arrested at my workplace or home and removed from the premises '' if I do not return their call. Other calls have been voicemail messages from a woman basically saying the same thing that I will be arrested at my workplace. I have called them and all I get is either a weird beep and on two occasions I did leave messages asking for more information. I have not received any information as to what this matter pertains to, who I supposedly owe money to, amount owed, or any other information ( on one occassion they left reference # XXXX ). I do n't even know this company 's name. I XXXX the phone number that has called me most ( they use several phone numbers ) and the number is connected with a company called Chaplain Financial Services in Georgia, and I 've found that this is a scam and people are saying to block them and ignore them. I did just that - block them but they are still able to leave these threatening messages.
This morning I received a call at XXXX XXXX and they left a message saying that I would be arrested by Noon today at my workplace. I called them back at XXXX XXXX. and the call went to voicemail. I asked them to give me more information in writing and by mail - not phone. All they 've ever said is my name but they have never said what amount or to whom I supposedly owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Payday loan) with Zenith Financial Network Inc (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX/XXXX/XXXX, I was called by a man who asked if I would be at home on XXXX/XXXX/XXXX at XXXX. I told the man I would not be home as I would be working. The man said he was a process server a nd I was being served. I asked if I could meet him somewhere to pick up the documents, he replied no. I asked him if I could contact somebody and he gave me the phone number of XXXX. He said ask for XXXX XXXX. XXXX XXXX identified himself as an attorney for XXXX and immediately accused me of committing fraud, deceptive practice, and that I would be arrested for a debt from XXXX XXXX XXXX for refusal to pay, that was supposedly taken on XXXX/XXXX/XXXX. I informed him I did not recall any debts of that nature. I asked him why have n't I received any notifications of this debt prior to this call? He said Mailings were sent out but they must have been lost in the mail. I asked him if there was any way I could rectify it? He said the debt was for {$970.00}. He would have to talk to his partners to see if anything could be done. XXXX XXXX told me I could settle the debt for one payment {$580.00} or 2 payments of {$320.00}. I asked XXXX XXXX if they had a website? He gave me the " XXXX '' I asked if I can receive a mailed copy of the debt and receipt of payment, he said sure but he would send me an email if I made a payment immediately. After receiving an email. with the letter head of ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX ) I called the number and inquired about the debt. The receptionist did not have any records of me owing the debt. I asked her if she knew XXXX XXXX and she did not know who he was either. After alittle more research she said call the number on the website as it may be a sister agency. Upon calling it a receptionist answered and transferred to XXXX in house extension. After another conversation with XXXX XXXX and hearing crying from a child and a female cussing in the background. A payment was agreed upon in an attempt to stop the threatening calls to myself and my father ( received a call from this group ). XXXX XXXX transferred me to a number of XXXX, a XXXX number for a company of ZFN Associates ( ref # XXXX ). 

On XXXX/XXXX/XXXX I received phone messages ferom XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As of XXXX/XXXX/XXXX I have not received any mailings regarding this debt or the validation of this debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX I was informed by email that my bank had excessive ATM withdrawal and Check deposits. They needed to call me and talk. ( ( Mind you all this happened in a time frame that I was sleeping and not realizing what was going on. ) ) When I called I was asked about it all and of course I was shocked.
<P/>
Not only had someone gotten into my bank account, but they had also deposited a check and taken part of that.
I get the scams. I 've read up on them now, and I can see why USAA would accuse me.
But after years of being with them and never having this happen ... Its crazy.
I am living in XXXX and the situation happened in XXXX. It physically, within the time I was seen here and when it happened, could not happen.
I was in church Sunday from XXXX XXXX XXXX, and saw my XXXX XXXX at XXXX on Monday, and I was at work by XXXX XXXX Tuesday morning. By XXXX XXXX that Tuesday I was headed to the VA office.
<P/>
I most certainly can get written statements from everyone if they want that.
<P/>
I did n't do this. I would never drain my account and scam myself. I do n't even have anything to do with XXXX XXXX. I 'm not that XXXX, nor did I need money.
I have great credit and not only take that seriously but I have always had a clean account and good standing with USAA.
<P/>
At first they flat out asked me if I deposited a check for that amount.
I was so frustrated and humiliated by it I actually took offence to it.
They said Id be responsible for the Fraud check balance. ok ....?
I NEVER ERCIEVED A CHECK!! I never even had a check in my hands. Someone else did all this and I 'm getting blamed. Its one of those freak incidents and yeah I 'm just as baffled by it.
Again they did n't and do n't believe me or get it.
<P/>
Today is XXXX XXXX XXXX and I got an email, ( no call or anything personal to let you now they actually tried ), and I was being held responsible for every penny. XXXX dollars.
So everything they had credited to my account considering what happened, they say they 're taking back. Not only the scammed check, but every penny that was mine.
Everything to my name.
Someone scammed me, and the bank is telling me I did it. I 'm left penniless and I 'm scared.
So if it happens again, I 'll get blamed. Again.
Do you think I want to keep banking with them after this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (KS).
Issue: Managing the loan or lease

Complaint: I have paid 2 payments strictly towards principle on my auto loan and have been charged finance charges on both of them. I talked to 4 different people about it 2 before paying and 2 since paying. The first 2 assured me that it would be put towards principle and there was no charge for that. Then when I saw the finance charges I called back and they gladly fixed it. But I just looked at my account again this week and they have reversed the adjustment that they made ( no-one even contacted me to tell me this ) and now I have called back and the lady told me that I have to pay the {$10.00} fee on my XXXX payment and the {$26.00} fee on my {$76.00} payment. She told me that the calculate their finance charges everyday and that was why my fee was so high on the {$76.00} but I would never had made a payment if anywhere I was told that 30 % of it was going towards a fee. The lady I spoke with was not going to make an adjustment and could n't really even explain why I had paid so much in fees and why I had paid them period since they had fixed it at one point. I have made every other payment as scheduled in full every month

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