milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2008, I went online and saw an advertisement for a loan for students that provided extra money that could be used for anything I 'd like. I applied and got the loan and proceeds. years later I was forced to file for bankruptcy, however this loan company continued to harass me for paying them. They even harassed my father and I 'm Not sure how he got into the mix. They are now saying this loan was not discharged in my bankruptcy because it is an education loan certified by a school. This is false. I was not even attending a school at the time I applied and received the loan. I really need some assistance in getting this resolved, at this point the balance is nearly $ 20k more than the original amount borrowed and the monthly payment is over {$400.00} per month. But most importantly I believe they are attempting to collect based on it being an " education loan '' which it does not meet the criteria for.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. Also this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files ( XXXX, XXXX and XXXX ) and for this company not to sell this debt to anyone else so I do not have this problem on my credit bureaus again. They need to mark this as a {$0.00} and completely remove my information and DO NOT sell this to anyone else so I wont have to deal with this again in the future. I deserve to be sent a copy of this with a XXXX balance from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i have never received any information re this collection that is now appearing on my credit report and I have sent this collector information asking for them to validate and verify the information ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX hired Financial Asset Management Systems ( FAMS ) to collect on private student loans. Financial Asset Management Systems ( FAMS ) is not reporting all the payments that I have been making since XX/XX/XXXX/XX/XX/2015. I made payments in XX/XX/2015/XX/XX/2015 to FAMS which are not being reported to the balance. FAMS has illegally not reported all the payments that I have made on my account. I took a screenshot of the payments that are being reported via FAMS online payment system but they do n't reflect payments from XX/XX/XXXX/XX/XX/2015. The payment system is not reporting payments made in XXXX/XX/XX/2015 which is illegal and is a deceptive business practice and illegal debt collection practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: so same story SUNTRUST mortgage servicing charging too high interest rate

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 10/14/2016 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Advertising and marketing

Complaint: After loosing my Camera, I call the number on the back on my card. They said my purchase is covered by purchase protection under the " accidental separation '' clause with my Ink card. Chase They said I must file a claim at XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX says under no circumstances are any " accidental separation '' covered.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On or about XX/XX/XXXX, 2017, I initiated a billing dispute for {$960.00} with Citi for a charge to XXXX XXXX XXXX. The {$960.00} was a deposit for a moving service that XXXX  XXXX XXXX.was to provide. However, XXXX XXXX XXXX canceled my move mid-move and stole my deposit. I explained this to Citi and attempted to recover my {$960.00} deposit, but was told by XXXX from Kentucky ( Citi Employee # : XXXX ) that " if the contract states the document is non refundable citi can not change the terms because it was agreed by the consumer. '' This effectively allows any business to simply include " non-refundable '' in their documentation, cancel their part of the agreement, and take advantage of/steal from customers. I believe this goes against the intent of customer protections that credit card companies are supposed to provide. Citi allowed XXXX XXXX XXXX to steal my money!

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 12-09-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: Wells Fargo Home Mortgage and Wells Fargo Bank took it upon themselves to make a payment in my father 's name from an account that belongs to my father in front accepting embezzled money that has been withheld from the owner of the property at the same time yesterday on a recorded line was stated that the loan was paid off several times and that when the loan was paid off in 2013 Wells Fargo made themselves the beneficiary along with others being the trustees where is the trustor and grant or XXXX XXXX XXXX XXXX has no possession of his home but Wells Fargo XXXX XXXX title XXXX XXXX and other companies are making money off this property illegally by it being broken up and sold XXXX XXXX specifically states that No entity may perform actionaction that specifically does not regard the utmost well being of the borrower especially when using limited powers of attorneys. full disclosure has been requested and ambiguous remarks and results have been given at no time has the accounts been disclosed on the currently being used for the security instrument guaranteed by this bank to belong to XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had my credit rating go way up several years ago so I bought a home for the first time, six years ago. Was late a couple of times on the mortgage about five years ago but not late on anything else since that time, and have paid off several credit cards to zero balance and paid off a {$5000.00} loan all within the past month. My credit was pulled two weeks ago and was close to XXXX, then it was pulled again and was XXXX. I was shocked. Last spring I tried to buy an R/V and the salesman pulled my credit many times -- without my permission -- and it hurt my credit, too. I am seeking to find out why my credit was brought down so low in such a short time. It 's unacceptable, and I will write to my congressman, congresswoman, FTC chairman, whomever, until this situation is fixed. My credit should by all rights be above XXXX right now. I am tired of being pulled down by the credit bureaus when I pay everything on time, and have for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I tried to dispute charges on my CHASE BANK CARDS with the following companies XXXX XXXX XXXX AND XXXX XXXX. I paid these companies a combined total of {$6800.00} ALONE on my XXXX XXXX XXXXXXXX Cards. 

I paid these ( 2 ) companies a combined amount of over {$26000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to build a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these fraudulent companies who falsely claimed and led me to believe that I would achieve substantial earnings by signing up with them. 

XXXX XXXX guaranteed 600,000 Visitors & preload ; charge for this {$10000.00} XXXX XXXX. XXXX. - Corporate Level Platform and Marketing ; charge for this {$16000.00} All this was to create exposure, guaranteed traffic thus generating greater sales. In total I have paid them thousands of dollars and not made a single dime. All I have is nothing but a worthless non- functioning web site and severe credit card debt. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Diverse Funding Associates LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX XXXX @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX XXXX @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL . w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for ****** ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, DNF ASSOCIATES LLC & XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX, Transunion listed my bankrupt as filed. I disputed this information after my discharge and Transunion came back saying the information on my report is correct. Again in XX/XX/XXXX I disputed my bankruptcy with Transunion as reporting incorrectly and again they came back with the information on my report is accurate. Both XXXX and XXXX   within days of my chapter XXXX discharge reported my bankruptcy correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Experian. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Experian has failed to provide the method of verification as required under Section 611 ( a ).

Experian has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Experian updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

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 08-06-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have XXXX accts that are not mine someone has used my information to open these accts even used different ss numbers with these accts I do not have any acct with capital one that is mine. these accts are fraudulent and opened using my stolen identity

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX, 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the information.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
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: On XX/XX/XXXX I called USAA to get a deferment due to being impacted by Hurricane Harvey. I also spoke to them again on XX/XX/XXXX. I was informed that the deferment was in place. However later I found that it was reported to the credit bureau and I contacted the credit bureau notifying them that this was not supposed to be reported as a late payment. I also contacted USAA and was told that they saw where I called in about the deferment, it was supposed to be placed on my account and that I needed to fill out a dispute form from their website and mail it in. I did mail in the form and later received a letter stating they would not investigate my case because it was " frivolous ''. I immediately called USAA on XX/XX/XXXX and explained the entire situation. I was transferred to 5 different people and stayed on the phone over an hour. Nothing was done and I was given the run around. I want the XX/XX/XXXX late payment, which is by the way the ONLY late payment ever on my account, removed since it shouldn't have been reported in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in the mont of XXXX I received a collection letter from I.C. System giving me 30 days to respond or they would assume that the debt was mine. Prior to them sending me that letter I had no recollection of said account. I wrote to them within the time frame advising this debt was not a debt made by me. I will enclose a copy of the signed certified mail with receipt by the one of the company 's responsible parties. After receiving my written response to the collection letter they still insisted on putting this debt on my credit report, it appeared on my credit report this month on XX/XX/2018. Today I called and when the caller got on the phone she advised me that the call would be monitored, I advised her I was recording my call as well she said that she was not cool with it and she hung up. I called back and got XXXX XXXX on the phone and advised her of the same thing, and she said that she was fine with that so we continued the conversation. I asked her why after I had written contact with them did they still after only 6 days put that derogatory account on my credit reports? She stated she didn't have anything showing that I had written in and I advised her that I had a copy of someone's signature. She then said that their company didn't have any original documentation of proof in their office I would have to contact XXXX directly. I then asked her after receiving the letter why didn't you guys put a temporary hold on this account before just rushing to send it over to the credit bureau. She then stated once more that there was no contact made by me or a letter sent. She started being very rude and told me they don't handle disputes they don't verify information that is all something that the original creditor does. I asked her well if you guys can't verify it then why just put it on someone's credit file. She told me " Look, as I told you before you don't need to be calling my company what you need to be doing is calling XXXX '' We are not the ones that you need to speaking to, you need to be speaking to them and then she hung up. I also contacted XXXX and they told me that I needed to know some password, which I don't know because I didn't make the account. after talking with her she just directed me to contact the collection agency.

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 11-09-2017 about Debt collection (Medical debt) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Most recently, on XXXX I received a voice message to call XXXX at XXXX XXXX XXXX XXXX. She has called me before asking me to pay a medical collection. The collection has been disputed with all three credit reporting agencies and I have received a confirmation from XXXX XXXXhat is will be deleted. The collection is not accurate. I called XXXX back today XXXX at XXXX pm MST. I asked her to stop calling my phone number and confirmed my number with her. She stated they are not bound by any do not call regulations and that she would continue to call. I asked her for her name and the company she represents. She stated XXXX XXXX with the company name as Thunderbird Collection Service and address of XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. The collection that was placed on my XXXX, disputed, and deleted was from this company. I asked her how she could say she is not bound by the FCRA or do not call when 'collection agency ' is in the name of her business. She again stated my number would not be removed and I would continue to be contacted. I advised her I would file a complaint with the CFPB. I appreciate your assistance in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation