milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus  have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The issue is with TransUnion. On XXXX/XXXX/2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana, XXXX did make an inquiry on my credit without my permission. I had only inquired with the dealership about a vehicle they was advertising on the internet, of which they no longer had in stock. I did not give them permission to make a credit inquiry on my behalf with the credit bureau TransUnion, XXXX, or XXXX. I have filed a dispute with XXXX. TransUnion refuses to help me at all. Plus TransUnion does not provide a 'English ' speaking person for me to be able to communicate with. Please help resolve this bogus credit reporting issue with TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Collection Services has me owing {$210.00} to XXXX XXXX XXXX from a XXXX/XXXX/14 medical office visit date of service. I 've been employed with my job for 11yrs with great insurance. I called XXXX and spoke with XXXX in the claims department for my medical insurance. She states they never filed a claim with my insurance company. There is a Nevada XXXX Rule. If the office does not timely file the medical claim with the insurance carrier THEY ARE RESPONSIBLE FOR THE BALANCE AND ARE TO WRITE IT OFF NOT BILL THE PATIENT FOR THEIR FAILURE TO BILL. THE DOCTOR 'S OFFICE HAD 24 MONTHS TO FILE WITH MY INSURANCE COMPANY AND THEY FAILED TO DO SO. I 'M REQUESTING THEM TO PROVIDE PROOF OF BILLING MY INSURANCE AND THEM NOT PAYING. IF THIS IS NOT PROVIDED THEY NEED TO CONTACT ALL CREDIT BUREAUS AND DELETE THIS INFORMATION FROM MY CREDIT IMMEDIATELY.

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 04/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX on behalf of First Data Global Leasing made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Customer service / Customer relations

Complaint: I am disputing a 30 day late that was places on my credit report by Chase. I am refiling this because I did not dispute the response that Chase gave on XXXX/XXXX/XXXX. The email that I received from the CFPB on XXXX/XXXX/XXXX did not indicate a time frame for me to dispute by so I now have to refile instead of dispute it. 
I received a courtesy call from Chase 's Customer Support Team on XXXX/XXXX/XXXX at which time I was told my account was past due and made a payment of {$270.00}. The customer support lady told me not to worry that I would not receive a late notice against my credit. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, much to my aggravation, a late notice was placed on my credit report and the auto pay program was never set up for my credit card account. Given I was told by Chase that I would not have a hit on my credit and they ended up reporting one, this credit late notice is a bank error. 
On 4 different occasions I called Chase 's Customer Service to see if we could resolve this late payment problem and I requested the support individual to pull up the call from XXXX/XXXX/XXXX to prove that this conversation had indeed occurred. On each call I would be bounced between departments being told that I was talking to the wrong department. None of the departments were able to resolve removing the late notice or find the call on XXXX/XXXX/XXXX. At the end of each of the 4 calls with Chase I was told they would look into everything and get back to me. I never heard back from any of them. 
After not getting any responses from my calls to Chase I decided to wright a letter to Chase 's Executive Office on XXXX/XXXX/XXXX and promptly received a letter back on XXXX/XXXX/XXXX which did not even address any of my concerns. I called XXXX XXXX, the rep from the Executive Office that wrote the response letter, to ask why they did not answer my questions and never received a response. I called again and was put in touch with XXXX XXXX and she looked into everything and could not find the call from XXXX/XXXX/XXXX and without it I have nothing to prove that this is a bank error. Given all of this Chase has determent that there is no evidence of a bank error. This has hurt my credit and will cause unknown amounts of money in potential lost money. 
I would like to have the 30 day late be removed from my credit given I was told that it would not be reported making this a bank error. 
I would also like the CFPB to add the 60 day response time limit to their emails regarding company response so consumers are told of this timeframe. I have attached the email that I received from the CFPB that clearly does not indicate a response time period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so I believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting XXXX and Experian today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX XXXX and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this.

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 04/17/2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been threaten by PNC of being Foreclosed and they are not working with me. I was forced to move from XXXX XXXX to XXXX XXXX XXXX due to military XXXX in XX/XX/XXXX, I moved my family and posted the house for sale several times, seeing that nobody will buy it I rented it but even then the rent was not covering the mortgage, then I retired and financially I was having a hard time keeping the house, last year I got divorced and got even worse financially and even then I keep the hardest to keep the property, then PNC Mortgage threaten me to foreclose the house, I then had all the intentions to short sale the house at the very least. My balance in the mortgage is around {$210000.00} - {$210000.00} and I had several offers which I submitted for {$180000.00} and I had a backup for {$190000.00} and the lender ( PNC Mortgage ) denied the offer and refused to work with me asking for {$230000.00} when the appraisal came back without them even going in the house and scared away any other offers I had on the table. They interfered with my attempt to short sale the property by refusing to cooperate with me. I am running out of time and they set a date to foreclose this Wednesday XX/XX/XXXX and I have several calls from people interested in the house and I am willing to keep trying to short sale. I please very respectfully request to help me in this matter and possible avoid being foreclose and for PNC to cooperate and work with me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Portfolio Recovery has not fully addressed my issue of validating the debt they seek to collect. They have provided a total of three statements which do not display how the final balance was accrued. I paid this account in full via ACH payment with the original creditor, prior to closing the account due to billing disputes, unauthorized charges, and dissatisfaction with the company 's level of customer service. In the statement printed XX/XX/XXXX it displays a balance of XXXX. The final bill printed just 4 months later ( XX/XX/XXXX ) has a balance over 3x as much as the balance in XX/XX/XXXX but there are not any statements in between these dates. The company has failed to properly validate this account to collect the amount they are attempting to collect. 

Additionally, the company is violating the FDCPA by re-aging this account from the date they acquired it versus the date that it was originally opened and the date the original creditor reported as my last payment. XXXX reports this account was opened in XX/XX/XXXX and the last payment in XX/XX/XXXX, however ; the debt collector is reporting the account was opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I attempted to purchase electricity from XXXX XXXX after they confirmed my eligibility and paid a deposit of {$220.00}. The next day I was informed that they could not provide me power in my location. I spent the next 9 months attempting to get my money back ( several phone calls a month ). I eventually went through the credit card company I used to pay for the deposit to get my money back. They immediately charged my card again, plus {$25.00}. I went back to calling them but could not get any answers. The best I got from someone was that 'I never paid them a deposit to begin with '. He could not explain the fact that I had a credit card bill that said differently. I went through the credit card company yet again, and this time changed my card number and went through all of the hassle that that entails. 2 months later I began receiving electric service cutoff notices with varying amounts owed ( bear in mind they were never able to provide me power in my area in the first place ). After about 6 months I was informed that they had sent me to collections for, from what I could tell, an arbitrary amount of {$60.00} ( they never could tell me where the extra {$25.00} came from or any other charges ). After another several months, I have finally gotten them to drop the case. By now, my credit has been significantly affected. I am still trying to go through the bureaus individually in hopes of fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with RFNA, LP (SC).
Issue: Struggling to pay your loan

Complaint: The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I didn't know when I received an account from capital one, XXXX XXXX, XXXX XXXX, or any top companies. I was in high school and didn't have access to my personal information because my mother had my information. She played like she was me and put things in my name. I started getting threatening phone calls and letter from the company that said I owe them but how do I owe y'all when I hax no prior knowledge of anything?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection agency by the name of Caine & Weiner trying to collect a debt of {$100.00}. This debt is from a company name XXXX that I charged a fee for their dating service on my XXXX XXXX card. The amount they have in collection is not the amount I paid for the service. 

After several attempts of trying to reach out to XXXX regarding problems with the service they were providing I contacted XXXX XXXX. During and after the time I signed up with XXXX I was unable to get in touch with them nor did they respond to my emails. XXXX XXXX reached out to them as well and they did not respond. After XXXX XXXX investigated the charges they found cause to credit my account and not render payment to XXXX. Currently, XXXX XXXX XXXX is trying to collect the amount that XXXX XXXX credited me on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: Rushcard had an update to there system which locked me out of my account and I am unable to check my balance and all of my transactions are getting declined. My direct deposit deposited it and the wrong amount was marked up and them removed then a different amount posted to the account. I withdrew and paid as many bills as I could went back to get the rest of the money that was left in my account and it was gone my account know shows a zero Balance there should of been at least XXXX dollars left in the account know there is no money. I cancelled my direct deposit because Rush card customer service will not talk to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Other fee

Complaint: I was really hoping Macy 's had changed their bizarre practice of charging XXXX dollars after a balance is satisfied. I 've had a Macy 's card previously ( and currently ), paid the XXXX dollars after my total balance is settled, only to be charged XXXX dollars in subsequent months. When I 've called in the past, it has been explained as interest for the first month, and then a " mistake '' in the following months. The only way to stop the charge is to call and ask for it to be credited back -- and then I get charged again in the following month. I have found the most effective way to deal with this fee is to cancel the card completely. Luckily, I pay attention to my bills. If I were another consumer who did n't, Macy 's unfairly sets them up for late fees and additional charges that can impact their credit score. 

Thank you, 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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, I pulled a copy of my credit report after the Equifax data breach and noticed inquiries on my account that I did not authorize. I called Equifax, XXXX, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving calls from different numbers 5-10 times a day from the same company but they NEVER identify themselves. It 's always an urgent message to call them right away or they 'll sue. Now they 've left me another voicemail threatening to sue today if I do n't call them back. They never identified themselves or what account it was regarding. They have been harassing me for at least the past 6 months. I have attached the voicemail they left me today. 

Here are some of the numbers they 've called from along with Restricted numbers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: This is not a duplicate. OCWEN has replaced a damaging comment on XXXX with a damaging comment it used several months ago, knowing it lowered my credit then. This is different than the XXXX comment, but damaging just the same : disputed XXXX XXXX, XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN Account Type Conventional Real Estate Mortgage Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 44 Months Monthly Payment {$870.00} Responsibility Individual Balance {$79000.00} Highest Balance {$470000.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Other transaction problem

Complaint: I am unable to transfer money from my XXXX XXXX XXXX accounts to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX was paying my mortgage and per our documentation ( through XX/XX/XXXX ) I was approved for the last quarter but they never sent the payment. Rushmore contacted me and said there was an outstanding balance and then XXXX XXXX told me that I my XXXX funds were reduced to offset the amount received over the {$18000.00}. 

I was prepared to have the XXXX &XX/XX/XXXXpayments but I was told that I need to pay XXXX, XXXX and XXXX as well. 

I received a notice from Rushmore that they deemed my home VACANT! I never received a call or letter from them regarding my property - but I did however speak with with XXXX onXX/XX/XXXX. On XX/XX/XXXXmy landscaper said that there was someone taking pics from the street of my house. I was in the house resting, no one ever came to the door nor was the landscapers, who are XXXX were asked if the owner was home. Instead they were afraid - I cant belive they sent a XXXX XXXX to my home. I want to know how they deemed my home vacant? What communication was used? Whom did they speak with - my XXXX is a sheriff. 

I need this investigated asap, I am also getting a lawyer because Im looking at this as harassment from their vendor. My congressman will also be notified.

Company response to consumer: Closed with explanation