milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have this item on my credit report reporting from Equifax through XXXX XXXX via XXXX. I have no knowledge of this collection item I donot and have not had an account with XXXX in the past. I requested proof that this account belonged to me on XXXX different occasions and none of Equifax 's response including how they determined the debt belonged to me. Their response is always the same Verified but never how they verified the debt.i asked them to verify that this item actually belonged to me along with how they determined that and that completely ignore my request. I am asking that they remove this item from my report as they have not provided me with proof of an investigation. That 's complaint number 1. Complaint number 2 is they have a address reporting on my credit report that never belonged to me upon their XXXX different investigations they said they were going to delete it but they never did. Complaint number 3 I previously had. A case open with the you ( cfpb ) case number XXXX the results needs with XXXX agreeing to delete the account from my credit report since then it 's been deleted from transunion and experian but Equifax refuses to delete. Even after sending them a copy of the letter it still comes back as verified. Equifax is causing me to have significant problems with obtaining new credit because of the innacuracies that they are reporting. I want them to delete these XXXX disputes from, XXXX XXXX XXXX, XXXX XXXX and the innacurate address listed as XXXX XXXX XXXX XXXX XXXX Pa XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Debt collection (Auto debt) with Presto Auto Loans, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I obtained a title loan on a vehicle dated XX/XX/XXXX. Since that time I lost my job and fell behind on payments. I received a letter from the loan company on XX/XX/XXXX telling me that I had defaulted on the loan and demanding I give the vehicle to them or I would be criminally and civilly prosecuted and face 2 years in prison and {$150000.00} fine. 
A few minutes later an elderly family friend of mine called me hysterically and read to me a letter she had just received in the mail and opened and to my shock and horror it was the same letter they had mailed me. This letter was addressed to both her and me on the envelope. She was simply listed as a reference when I applied for the loan. At no time did I give have never given ANY type of permission to discuss this debt with any third party. I have never even been to the state where my elderly friend lives and have certainly never received mail there. The loan company has a good mailing address for me as well as a good contact phone #. This letter received by my friend gave my account #, Delinquency, dates of loan, all info about the loan, and threats of prosecution of myself. She does not understand why they sent this to her and believes they are coming after her for the loan and that she is somehow involved. She is extremely upset and my life has been in turmoil since this happened since now my entire circle of friends and family know all of this and some even believe that I actually did try and involve her since it is so outrageous that the loan company would send her a letter like 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 explanation
Consumer complaint received 11/29/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Delinquent account

Complaint: THIS IS A NEW COMPLAINT WITH NEW INFORMATION! XX/XX/XXXX I fell behind on bills. XXXX Chase credit cards were among them. I was XXXX for them XX/XX/XXXX when they were out of the Texas statue of limitations. This does n't stop Chase from reporting them in collections on my XXXX credit report or attempting to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with I.C. System, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an account summary from IC System on X/XX/2017 stating I owe {$190.00} to the original creditor XXXX. I sent a debt validation letter to IC System on X/X/2017. The letter was sent certified mail and was received on X/XX/2017. I never received validation of said debt. On X/X/2017 IC Systems reported the debt to the credit bureau as a collection account opened X/XX/2017. This is not my account. I disputed the account with another CA and it was removed from my CR X/2017.

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 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After trying to buy a house I noticed on my credit a collections account with ENHANCED RECOVERY COMPANY for XXXX in the amount of {$360.00}. I contacted ENHANCED RECOVERY COMPANY and they can not find any information with my name or social in their system and told me to contact XXXX. After speaking with XXXX, they also can not find any information under my name or social. I disputed this with the credit bureaus. XXXX is the only credit reporting agency that wo n't remove this from my credit. Equifax has already done so. I have emailed XXXX proof of communication with the collection company showing that they can not find anything under my name. This company ENHANCED RECOVERY COMPANY, keeps reporting on my credit each month for a collection even they said I do n't owe and XXXX is allowing this.

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 12/31/2016 about Bank account or service (Checking account) with Synovus Bank (FL).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2016 my bank ( Synovus XXXX XXXX XXXX XXXX sent me an e-mail stating a check I had authorized was not cashed ( as the date had expired ) so my account would be credited. 
On XX/XX/XXXX I called said bank ( talking to XXXX in customer service ) advising that my acct was closed so they would have to issue me a direct check. She was to call me back. 
On XX/XX/XXXX I called again as they did n't & talked to XXXX explaining all. He said check would be a re-issued within a week. 
On XX/XX/XXXX I called again & talked to XXXX who said check was sent to my former address on XX/XX/XXXX. Said would re-issue to my new address. 
I still do n't have my money!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with KEYCORP (NY).
Issue: Trouble during payment process

Complaint: On XXXX XXXX 2017 I faxed an ACH Change Transfer Authorization to Debit Account form to the KeyBank NA loan service center to change the date of the automatic payment transfer out of my KeyBank checking account. Request - change date of transfer to the XXXX of each month. 
- On XXXX XXXX I faxed a an ACH DELETE Transfer Authorization to Debit Account form to the loan service center to stop all automatic payment transfers out of my key checking account. 
-Yesterday XXXX/XXXX/17 two payments were deducted from my key checking account for the same loan payment. No payments should have been deducted. My account balance was {$120.00}. It is now negative XXXX {$590.00}. ) Not only did the bank transfer funds that were in my account without my authorization, but I now can not access any funds to meet my day to day needs, including a direct deposit child support payment that went into this account yesterday, XXXX/XXXX/17. 
- I spoke with KeyLoan service center employee XXXX ( emp # XXXX / ref # XXXX ) t : XXXX and she confirmed that the key loan service center processed the first form XXXX XXXX XXXX 2017 ) form on XXXX XXXX 2017, after they received and processed the XXXX XXXX 2017 request to stop automatic transfers, resulting on XXXX/XXXX/17 in two payments being automatically deducted from my key checking account - neither were authorized by me. First an automatic transfer of XXXX and a second transfer " curtailment of XXXX. '' XXXX agreed to refund one payment and reverse any NSF fees, but refused to return both payments to my account. Both payments should be returned - neither payment was authorized by me. See attached screen shot of unauthorized payment transfers. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry Has agreed to remove the inquiry from my Transunion report I did not apply and have no credit with these people. Delete XXXX for my Transunion report my id is attached please verify my id and signature

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 04-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. ().
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Dear customer service, I found recently I have colection in my credit report. 
I visited the doctor in Maryland and I made XXXX. 
I asked the secretary how to get the results, she told me to come next week and I did not request to visit the doctor. When I arrived she told me that I have to get them from the doctor and considers that as a doctor visit. She then obliged me to pay XXXX visit copay of {$30.00} each with a total of {$60.00}. I called I requested to pay my doctor visit of {$30.00} and she refused and told me that she will send to collection the {$60.00}. 
She wanted and obliged me to visit a doctor to get the XXXX ; this is not fair. I used to get the XXXX without a doctor visit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have responded to the first notice from Optimum Outcomes and provided them with copies of canceled checks showing the account was current and had been paid in full. I have repeatedly asked them to not call me that the number they had was also a business number, the owner of that number has told them not to call but they have ignored the request and continuously call. They will not leave me alone even after proving the debt was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with PNC Bank N.A. (CA).
Issue: Rewards

Complaint: I tried to claim the rewards benefit accrued on my account of {$63.00} but PNC BANK refused to give it to me. They claim there is a & {$75.00} minimum rewards balance required to claim the balance. Yet when I read the Terms and Conditions or scour their website, there is nothing supporting that statement. Still they refuse to issue a check for my rewards balance. I am no longer interested in holding a card with a company with such terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I am a retired veteran. 
When my loan originated my wife, who is now deceased had XXXX. 
The loan should not be legal at all with this XXXX. 
XXXX will not help me save my home. 
I am XXXX and could be homeless. 
My home is upside down by {$80000.00}

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 04/28/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Caller repeated left robo messages on my mother 's answering machine. The record message identifies itself as XXXX XXXX and states that they are trying to collect a debt from an individual we do not know. No company name, phone number, or other identifying information is provided. I happened to be at home for lunch during XXXX of the calls and answered the phone, then waited for an operator. The operator XXXX stated that the company name was Convergent. I believe the full name of the company is, " Convergent Outsourcing Inc. '' There are likely many other victims who can not complain as the company does not provide any identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On several occasions I have disputed inquiries on my credit report that I did not authorize and they do not belong to me. I have a fraud alert on my file due to someone else applying for credit and using my social to obtain credit. Experian has refused to delete or investigate the unauthorized inquiries. Per the FCRA a consumer has the right to dispute inaccurate or unauthorized information reflected on their credit file. The below inquiries are related to fraud and need to be removed. CERTIFIED CREDIT REPORT-, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX The above inquiries need to be removed. I have contacted the companies and they have no record or application that belongs to me so they are not able to assist in removing these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello, I recently disputed a lien on my credit file through the Direct Dispute portal via XXXX XXXX. 
Dispute was filed on XXXX XXXX 2016 and returned on XXXX XXXX 2016. With no investigation completed. This lien has been satisfied XXXX and has been removed from XXXX & XXXX I want this removed from my Transunion credit file asap. 

Thank you, 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 02-12-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/2017, I intended to make an on-line payment to XXXX XXXX for {$500.00}. After not seeing any credit to my account, I reached out to my bank, Wells Fargo, and asked about the payment. It was determined that the information that auto populated the on-line payment was incorrect. For the next 60 plus days, I called and wrote to XXXX and to Wells Fargo in an attempt to find my money. 

It is XX/XX/XXXX and I have been on the phone ( again ) with Wells Fargo and XXXX for more than an hour and with many many transfers to other people, and still no resolution. 

No one is responsible, they say. Is that true?

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 09/28/2016 about Debt collection (Medical) with Capital Recovery Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection agency, pretending to be a medical clinic, mailed a bill for {$440.00} two months AFTER my insurance company had already settled the bill. 

There was no date of service stated on the bill There was no type of service stated on the bill The bill was titled " 1st Notice '' to make it look as if it was in collections. 

The company has since admitted that it is a collection agency working on behalf of a medical clinic to collect payment for services. 

I am a senior citizen and if I were not able to contact my insurance carrier, I would have no method of sorting out the details of this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: While using   XXXX   XXXX   to help me get paid in real time I expieriance multiple delays due to my bank not sending information fast enough. It is not sending current info is read my account at a single dollar, while there is much more actually in the account. This is keeping me from being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The payment changed and we and we did not realize. We are behind about {$1000.00} or so. We were sent modification documents. We filled them out and sent all supporting documents by XXXX about two weeks now and we have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America violated the Federal Debt Collection Act by continuing to attempt to collect a debt on a Home Equity Line of Credit after it had been discharged in Chapter XXXX Bankruptcy. Bank of America also violated the Fair Credit Reporting Act by reporting the debt incorrectly to the Credit Bureaus and the IRS. The debt was discharged in bankruptcy on XXXX XXXX, XXXX, and Bank of America is reporting a charge-off dated XXXX/XXXX/XXXX via XXXX for {$71000.00}.

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 04/22/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to do a loan modification with Bank of America since XXXX 2014, I have submitted every document they have ever asked for. I even called the lady who was helping my case numerous times and emailed her and she never got back to me. We are a military family and we had to XXXX ( move ) to XXXX XXXX XXXX, we live XXXX and pay XXXX a month for housing and are house in XXXX was n't rented for some time and I was having health issues so I was unable to work and was going through the XXXX process. We fell behind in payments because we have XXXX kids that needed food and clothes and other items. So recently I got a third party involved in helping us with the house to do a Deed of Lieu, he has been having a hard time trying to get help with this. They told him that I did not send in any documents so I gave him all the paperwork and the letters that bank of America sent saying thanks for the documents we are reviewing them and will let you know the decision once the review is done. As the months went by and I never heard anything from Bank of America after I tried calling numerous times, and there were a few times I was on the phone for over 2 hours being transferred from one department to another and no one could help me. The agent that I have helping out with this now was told that a short sale was not necessary because of our hardship but when I called today they said the account was on hold for a short sale and they wo n't do anything with the Deed of Lieu until the short sale is done. So they are giving out incorrect information and not giving the agent or us any help what so ever. I have copies of every document and letter I have received from bank of America and even online XXXX has documents and letters from bank of America proving I submitted documents to them. With my health problems and my husband who has been in the XXXX for over 20 years has some serious health issues also we need this process to go quickly, we ca n't afford to keep the house and would lijke for Bank of America to at least help us out.

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 10-11-2017 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: Old information reappears or never goes away

Complaint: The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there 21 accounts they are reporting to my credit.

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