milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a XXXX/XXXX/16 entry of a credit inquiry on my Equifax credit report by an online retailer named XXXX but Equifax refused to remove the inquiry. The credit pull was fraudulent and made as a result of an attempt by a person ( unknown to me ) placing an order and requesting credit in connection with doing so. The fraud was identified before shipment was made but false credit inquiries impact credit scoring negatively. I never placed an order or requested credit so no proper request to review my credit was made and no inquiry should be shown on my report. XXXX directed me to file a dispute with Equifax but when I spoke with them ( after XXXX attempts resulted being transferred and cut off ) XXXX in the Equifax fraud department informed me that Equifax does not really allow disputes for credit inquiries. Apparently Equifax allows consumers to submit a dispute online ( as I did ) but they are not handled seriously. Instead, the information remains as a " factual record '' that the credit pull occurred. This was my result. Equifax policy is that they will not make a change the entry without action by XXXX ( their client ). I am filing this complaint because Equifax 's position is wrong. I have the right to request a substantively meaningful investigation, not simply a sham review. Finally, I also contested an oil and gas credit inquiry when I disputed the XXXX credit pull because I did not recognize it - I never applied for an oil and gas card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (I do not know) with National Principal Group, LLC (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Plaintiff XXXX XXXX, has been subject to unlawful telephone practices by your company in the form of ( unwarranted or unauthorized ) cellular telephone calls by use of an auto dialer or ( XXXX ) in relation to debt collection practices. 

Defendant National Principal Group , LLC ( NP GROUP ) debt collection company called my personal cellular telephone numerous times without my prior express written consent trying to attempt to collect and alleged debt as consumer XXXX XXXX does not have a contract or account with the Defendant ( NP GROUP ) has demonstrated willful or knowing noncompliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) by continuing to call Plaintiff XXXX XXXX private cellular phone numerous times before sending a prior express / written consent form which Plaintiff XXXX XXXX never authorized prior express / written consent to any of these unwarranted automatic telephone dialing systems, or ( ATDS ) cellular telephone calls with a total disregard of law and in violation of XXXX XXXX XXXX XXXX. 

Defendant ( s ) has demonstrated willful or knowing non-compliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) by calling Plaintiff XXXX XXXX wireless telephone number XXXX that has been placed on the National Do Not Call Registry ( DNC ) since XXXX XXXX, 2012, Plaintiff 's number, which is assigned to a cellular telephone service. A person whose number is on the Registry and has received more than one telephone solicitation within any twelve-month period by or on behalf of the same entity in violation of the TCPA can sue the violator and seek the same statutory damages available under XXXX XXXX XXXX ) - the greater of actual damages or {$500.00}, a figure that may be trebled {$1500.00} for willful or knowing violations. XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ). 

Plaintiff ( NP GROUP ) harassed Plaintiff XXXX XXXX by making numerous cellular telephone debt collection calls without reading the XXXX Miranda / Mini Miranda as required by law for debt collectors. ( NP Group ) engaged in false and misleading representations in their communication in connection with debt collection to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to  XXXX  at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On XX/XX/17 I visited Equifax 's web page for determining if I was affected by their data breech. I was. It was suggested I sign up for their free Monitoring and Identity theft service with a XXXX XXXX protection package. I did so. During the sign up, under terms and conditions where one is able to see the 1 million protection, it showed two different levels of protection. One for 1 million and the other for only {$25000.00}. It did not tell me what was applicable to me. I called Equifax 's help line for this service and the rep stated he did not have access, nor knew of this. I asked for a supervisor. I was put on hold, he came back and it was stated that no supervisor was able to answer this. His instructions were that I call XXXX and leave a voice mail to request that Equifax call me back. That number does not reach such a service. He also provided https : //Help.Equifax.com and while I was still on the line with him, I went there and no such answers were available. At this point I do not know if I am signed up for any protection what so ever, and if I am what the protection levels are.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Other financial service (Credit repair) with Credit Karma, Inc. (DC).
Issue: Advertising and marketing

Complaint: I utilize Credit Karma to help me manage my credit score, keep track of my finances, ensure all discharged debt is removed from my credit, and to suggest help on what I can do to help lower payments and increase my credit score after bankruptcy. 

Because my credit score has improved tremenbously ( because I 'm paying my bills on-time as well as disputing debt that suppose to be removed from credit ), Credit Karma suggested to me that I should inquire with a company called XXXX to get a lower car note. I really need to get a lower payment. I 'm paying {$330.00} a month, and with my credit score, Credit Karma is recommending that I can get my apr % down lower ... .making my payments possibly around {$200.00} a month. I know that the bankruptcy and auto loan is still new and the refinancing would n't be a good idea. I did n't want a hard inquiry on my credit either. Now, Credit Karma knows that I filed bankruptcy and has a general idea of what my credit looks like, so I trusted that the tool would help me keep things in order. I applied for the auto refinancing loan on XXXX/XXXX/16 and was " denied '' the same day. As of today 's date, the suggestion still sits on my Credit Karma account and it did n't help me at all. I am requesting for the hard inquiry to be removed from my credit report and a clear understanding of why I was still denied the refinancing, but my credit score improved!!

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 08/31/2017 about Debt collection (I do not know) with Allied Interstate LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: No debt is owed. I 've sent a demand letter by certified mail with delivery confirmation to Allied Interstate, LLC who is registered to the harassing number ( XXXX ). The letter contests any debt ( s ) owed and requires the DC cease and desist any further collection activities ( including phone calls ) without written verification of the supposed debt. I have yet to receive any verification of the supposed debt, and I continue to receive collection calls multiple times per day to my personal cell phone ( XXXX ). Allied Interstate, Inc. XXXX business days ( or Thursday, XXXX XXXX, XXXX ) to cease and desist these illegal collection activities or which I will rigorously pursue legal action. Furthermore, the number in question is currently registered on the Do Not Call registry, so any forms of unwanted solicitations are also illegal. 

Calls to date : XXXX XXXX @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX, XXXX, XXXX XXXX XXXX @ XXXX, XXXX XXXX XXXX @ 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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Transunion today because I am aware of 2 separate database glitches they had during  XXXX  and  XXXX  in which everyone 's INQUIRIES were deleted. Once they realized what the glitch had done Transunion ILLEGALLY put those inquiries back on the credit report WITHOUT giving a mandated 5 DAY PRIOR WRITTEN NOTICE. I spoke with a foreign representative for TRANSUNION and he was EXTREMELY rude and told me he could n't help me dispute the inquiries because I was n't affected but I was!!!!!!!

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 08/16/2017 about Debt collection (Other debt) with I.C. System, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i c system has been trying to collect a debt that i do not owe, the original creditor is XXXX XXXX XXXX. i moved out of an apartment i legally followed every step so that i would not be liable for any bills, i did so, i was contacted by XXXX XXXX XXXX about the debt, who i also told I am not responsible for this debt an that they need to take it up with the people who still live there, legally i followed the law and did what i needed to, on XX/XX/XXXXi filed a dispute with transition on ic systems i still have n't heard anything back, they claim i owe {$97.00} which i do n't i also filed another dispute which came back negative, they say ic system has refused to give them any information or respond

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 07/20/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Account opening, closing, or management

Complaint: Citizens Bank, allegedly from XXXX, CT made a hard credit inquiry on me to XXXX. This was not authorized and efforts to remove it are impossible. Their phones are just answering machine. This is illegal and I want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Credit card) with AllianceOne Recievables Management (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: AllianceOne continues to contacted me XXXX consecutive times during work hours and told them to contact me after XXXX MST for a XXXX XXXX credit card for {$330.00}. AllianceOne have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : Alliance One ( Representative : XXXX ) XXXXXXXXAllianceOne Receivables Management, Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ABC Financial Services Inc. comm itted credit card fraud by charging my credit card for services not authorized by me. This company uses unethical collection practices and abuses customers by charging small amounts over time that typically go unnoticed. This company should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: hi my name is XXXX XXXX XXXX ; i have a continuous problem with my bank account with chase, i been dealing with this issue for two long ... in XXXX i deposited a total amount of 20 thousand before the year ended the bank cleared my funds the overall occurrence was due to a settelmnt for a law suite in the state of XXXX XXXX ... XXXX from there i do reside in the state of XXXX XXXX as well the refferianceibility of my current account is different due to i receive direct deposit from the state of XXXX XXXX due to disability.. 
from their i do n't have my account number but i have my replacement debit card number .... I 'm not sure if that could be sent but ill use phone number format inorder for you to refferiance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from there the association of what is the fluctuation with unnessisary garnishments, which innitially would of been the discrepancy i have put in claims and went through the process but, mainly my issue is within the relevance of my mother who is upset with me at the moment threw all of my property out and i ca n't get access to my bank in formation due to the inability for me to use my benefit card for an id even with a picture on the card as well I 'm unable to receive information from the bank because as well with is a discrepancy they wo n't allow even my personal brach with that incorporated with a receipt for state or drivers license id my mother threw out both ... XXXX from there what is applicability to how i could attain my information pertaining to what is route of your ability to locate my claim as well continuous extractions over 40 thousand would be relating my disability applicable checking account with direct deposite ... ..i also contacted the deposit insurance assessment fund and soon ill contact the inspector general.. first account refferianceable opened in XXXX ( XXXX XXXX the XXXX ( XXXX XXXX XXXX XXXX XXXX.. swell ... XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) ... ..from what information they provided me .... 
humbly I 'm extremely destitute as well homeless at the moment I 'm dealing with the XXXX. still and iwould be attempting a way to get shelter but due to the harassment i stay on XXXX XXXX ... what iwould like is an expedited way to get my money returned to me as soon as possible unfortuinitly my phone was stolen so i ca n't give a number as well an email i ca n't give because XXXX as well as XXXX so ill search for this contact number and once a reference number is given i would applly that or if not contact and inquire please help me as soon as possible thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Good Evening My mortgage is with NationStar Mortgage located in XXXX Texas. I have always paid my property taxes on my own, and then all of a sudden NationStar decided to create an escrow account and wants to charge me another XXXX dollars a month ( completely unacceptable ). I have called and sent them numerous secure messages, but they are giving me the runaround. As you can imagine, this is hurting my credit severely and I need your help resolving this issue ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX, XXXX a payoff posted to my account in the amount of XXXX from XXXX XXXX from the trade of the XXXX XXXX. That was the payoff amount that I received from the system. The account was closed as well. For some reason I decided to login my account and say that it had been reopened with a balance of XXXX due on XXXX XXXX, XXXX. Lets keep in mind that I do n't have this vehicle anymore and it was paid off because I received another vehicle. 

I called in about a week ago and in the notes they put that payment was applied incorrectly and that it was reapplied. Then something was noted about a returned payment from XXXX months ago. I do n't know how that is possible. What I do know is that no extra money had been put in my bank account and no payment was returned. In addition, XXXX XXXX Sent me a refund of about XXXX on a refund card that I received in the mail the weekend of XXXX XXXX. 

I need this rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 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: Account information incorrect

Complaint: I submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to Transunion and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXXYou XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.

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 12-12-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was charged off in 1997, it keeps getting bought again and this starts ... it was originally a truck repossesed from me and not for late payments. I was repossesed because they said I might move back to alaska. They would not let me even get my wallet or anything. Even so this should be long gone it is XXXX years old. This is atleast the XXXX outfit to try this ... this was an original shady deal, i owed under XXXX and was making my payments. I had XXXX small kids at the time and have after talking to original lender, decided not to ever pay it. By the same token they cant call all the rest of my life ... 7 years .... that has come and gone!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach and my data was allowed to be given to hackers, months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXXI took a phone call from a debt collection representative at Synchrony Bank for an Amazon XXXX Store Card. The debt collector informed me that he was calling regarding my debt and that my account was still ACTIVE and OPEN and if I paid the past due amount, then I would be able to use available credit line that was on the card.
I informed the rep that the account had been closed in XXXX 2016. He said that was not true, that the account was OPEN and ACTIVE and that the past due amount needed to be caught up.
Over the course of the call, the collections rep repeatedly lied about the status of my account in an effort to coerce me into paying the past due amount.
According to the FTC regarding Debt Collection, Debt Collectors may not make false statements when they are trying to collect a debt.
The representative that called me on XX/XX/XXXXencouraged me to go to the Synchrony Bank website, log into my account, confirm that the account is open and make that payment there.
I checked my account on line and it is closed. I 've also confirmed what I already knew with a Synchrony Bank representative on XX/XX/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